Cheapest Auto Insurance in Fayetteville, North Carolina (2024)
Erie offers the cheapest car insurance in Fayetteville, with minimum-coverage policies as low as $48 per month.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated November 20, 2024
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Table of contents
Drivers in Fayetteville can expect to pay an average of $87 per month for car insurance. The city’s rates are higher than North Carolina’s average of $75 but lower than the national average of $154 per month.
Fayetteville is the sixth-largest city in the state, which may explain why its auto insurance rates are more expensive than in many other North Carolina cities.[1] Rates vary across the board, though, so it’s important to compare car insurance quotes from multiple insurers to find the best rate.
Quick Facts
Erie, Nationwide, and GEICO are the cheapest car insurance companies for Fayetteville residents.
The average cost of liability-only coverage for Fayetteville drivers is $66 per month, while full coverage averages $108 monthly.
North Carolina requires drivers to carry uninsured motorist coverage.
Best and cheapest car insurance companies in Fayetteville
As you shop for a car insurance company, consider factors like your budget, coverage level choices, and driving record. Below are Insurify’s picks for the best car insurance companies in Fayetteville to help you start your search. Quotes are based on the monthly averages for North Carolina drivers.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Erie | 9.0 | $64 | $41 | Affordability |
| Direct Auto | 7.3 | $99 | $55 | High-risk drivers |
| GEICO | 9.0 | $73 | $47 | Discounts |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for affordability: Erie
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $48/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $74/mo |
4.1
Best choiceBased on 240 verified guest reviews and ratings
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (126)
Lana
November 10, 2024
Verified Review
Erie Insurance
The policy is difficult to understand. The rates are too high.
George
November 6, 2024
Verified Review
Good People
They handled my claim quickly.
Judie
November 4, 2024
Verified Review
Great Coverage
The coverage is excellent, but I am looking for a cheaper rate.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Perfect for drivers looking to save money, Erie offers some of the cheapest average car insurance rates in Fayetteville. It also offers a telematics program through the YourTurn app that tracks your driving behaviors. If you’re a safe driver, you stand to save even more on car insurance with Erie.
You won’t have to sacrifice quality for affordability with Erie, either. The company is known for its reliability, with an AM Best financial strength rating of A+ (Superior) and J.D. Power customer satisfaction score of 870 out of 1,000.
Pros
Rate Lock ensures premiums won’t increase
Affordable premiums for teen drivers
Cons
Available in only 12 states
Pay-per-mile car insurance policies not available
Best insurer for high-risk drivers: Direct Auto
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $64/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $115/mo |
How drivers feel about Direct Auto
Drivers appreciate the initial low rates and the roadside assistance but dislike the significant rate increases and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
How drivers feel about Direct Auto
Drivers appreciate the initial low rates and the roadside assistance but dislike the significant rate increases and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
Reviews (273)
Victor
November 4, 2024
Verified Review
Misleading Information
I was initially told that I would pay $170 per month, but I'm currently paying $209 per month.
Judith
November 1, 2024
Verified Review
I wouldn't recommend this company if you don't want to shop for insurance regularly
They started with a decent rate, then doubled it. They wanted $200 per month for a 60-year-old driver with no accidents or tickets for the minimum insurance! It's ridiculous.
Vickie
October 31, 2024
Verified Review
Don't Do It!
They will report your no-fault accident, and your insurance will go up.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Direct Auto is the best car insurance company in Fayetteville for high-risk drivers. It specializes in non-standard car insurance for drivers who need SR-22 certificates — something drivers with DUIs often need to file with their state’s motor vehicles department.
It also has relatively affordable rates in Fayetteville, so high-risk drivers won’t have to overspend to get coverage. National General, which owns Direct Auto, earned an A+ financial strength rating from AM Best.
Pros
Accepts drivers with poor driving records
Offers SR-22 filing
Cons
Few discounts available
Poor customer service reviews
Best insurer for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $85/mo |
4.0
Best choiceBased on 10271 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,647)
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
Chris
November 18, 2024
Verified Review
Poor
The customer service is below average and terrible.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO is a good option for drivers looking to stack discounts. It offers many, including multi-vehicle, multi-policy, new-vehicle, military, and good student discounts. Fayetteville drivers with multiple cars or homeowners looking to simplify their coverages may benefit from these offerings.
GEICO also has excellent financial strength, as it’s a subsidiary of one of the largest companies in the world: Berkshire Hathaway. GEICO earned an AM Best financial strength rating of A++ (Superior), the highest possible score, and 857 out of 1,000 points in J.D. Power’s customer satisfaction study.
Pros
Accident forgiveness available
24/7 customer service
Cons
Rideshare insurance and gap insurance not available
Limited agent network
Find Cheap Car Insurance in Fayetteville, NC
Rates start at $48 per month for liability coverage
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How to get the cheapest car insurance in Fayetteville
You’ll need to shop around to find the cheapest car insurance in Fayetteville. A few tips you can use to find the most affordable option for your unique situation include:
Look for discounts. Car insurance companies usually offer various discounts that can help you save money on an auto policy, such as good student and defensive driver discounts.
Bundle your home and auto insurance. If you pair your car insurance with homeowners, renters, or even life insurance, you could land a discount on your coverage.
Drive a safe vehicle. Insurers often offer discounts for vehicle safety features like airbags and driver assist technology.
Choose a higher deductible. A higher deductible means a lower premium. Just make sure you can afford to pay it out of pocket if you need to file a claim.
Keep a clean driving record. Drivers with clean records pay the lowest premiums. Do your best to drive responsibly and avoid traffic violations.
Shop around. Get quotes from at least three car insurance companies before buying a policy. Insurers weigh factors differently, so you may find cheaper rates for the same coverage from certain companies.
Cheapest liability-only car insurance in Fayetteville: Erie
Per North Carolina law, drivers must purchase and maintain liability-only car insurance. A liability-only policy covers the other driver’s property damage and injury costs from an at-fault accident. Because liability insurance meets the state’s minimum requirements and offers no additional coverage, it’s usually the cheapest auto policy available. But because liability-only coverage won't pay to repair or replace your vehicle after an accident, it generally works best for drivers with older, less-expensive vehicles.
The cheapest insurer for liability-only car insurance in Fayetteville is Erie, with an average premium of $48 per month. The table below outlines the cheapest liability-only policies for drivers in Fayetteville.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Erie | $48 |
| Nationwide | $48 |
| GEICO | $55 |
| Travelers | $60 |
| Dairyland | $63 |
| Direct Auto | $64 |
| Safeco | $64 |
| Allstate | $65 |
| Progressive | $66 |
| Liberty Mutual | $68 |
| National General | $73 |
| State Farm | $78 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Fayetteville: Erie
Full-coverage car insurance is optional in Fayetteville and typically consists of liability, collision, and comprehensive insurance. It's more expensive than liability-only policies, but if you have a loan or lease on your vehicle, your lender will require you to purchase it. This type of policy offers additional protection for vehicle damages, including for accidents you cause.
The cheapest insurer for full-coverage car insurance in Fayetteville is Erie, with an average cost of $74 per month. Here’s a look at the cheapest full-coverage car insurance rates in Fayetteville.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Erie | $74 |
| Nationwide | $74 |
| GEICO | $85 |
| Travelers | $94 |
| Allstate | $102 |
| Progressive | $103 |
| Direct Auto | $115 |
| State Farm | $122 |
| Safeco | $126 |
| National General | $128 |
| Liberty Mutual | $212 |
| Dairyland | $306 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Fayetteville, North Carolina
Drivers using Insurify have found quotes as cheap as $42/mo for liability only and $61/mo for full coverage in Fayetteville and other North Carolina cities.
*Quotes generated for Insurify users in and around Fayetteville, North Carolina within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fayetteville, North Carolina within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in North Carolina
North Carolina is an at-fault state for car insurance, which means your car insurance company will cover the other party’s property damage and injury costs if you cause an accident.
The state requires drivers to carry bodily injury liability coverage, property damage liability coverage, and uninsured motorist coverage, but you can purchase other coverage for extra protection. If you fail to show proof of insurance, you may face legal and financial consequences.[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured motorist coverage | Equal to a policy’s bodily injury liability limits but no higher than $1 million |
Coverage beyond North Carolina’s minimum liability requirements is optional for drivers in Fayetteville but can offer additional protection in certain situations. Here are several optional car insurance policies you might find worthwhile:
Comprehensive insurance
Comprehensive insurance protects you from non-accident-related incidents that damage your vehicle, like fires or theft.
Collision insurance
If your car requires repairs or a replacement after an accident with another vehicle or object such as a tree or fence, collision insurance will kick in, no matter who’s at fault.
Gap insurance
If you took out a car loan, gap insurance can cover the difference between your loan balance and your insurance settlement after your vehicle is deemed a total loss.
Cheapest car insurance for drivers with an incident
At-fault accidents, speeding tickets, and driving under the influence (DUI) convictions are examples of incidents that can result in higher car insurance rates. Because insurers consider them less risky, Fayetteville drivers with clean driving records usually land the cheapest rates. But that doesn’t mean drivers with blemishes on their records can’t find affordable insurance.
Shop for Car Insurance in Fayetteville
Rates start at $65 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Erie
Speeding can cause you to lose control of your vehicle and impair your ability to drive safely, so insurers often charge drivers with speeding tickets higher rates than drivers with clean records.
The cheapest insurer for drivers with a speeding ticket in Fayetteville is Erie, with an average cost of $68 per month. Here’s what you can expect to pay for auto insurance with a speeding ticket compared to a clean driving record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Erie | $48 | $68 |
| Nationwide | $48 | $67 |
| GEICO | $55 | $76 |
| Travelers | $60 | $83 |
| Dairyland | $63 | $87 |
| Direct Auto | $64 | $88 |
| Safeco | $64 | $89 |
| Allstate | $65 | $89 |
| Progressive | $66 | $90 |
| Liberty Mutual | $68 | $100 |
| National General | $73 | $101 |
| State Farm | $78 | $106 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Erie
If you’re responsible for a car accident, car insurance companies will perceive you as a greater risk and, in turn, charge you higher premiums.
Erie has the cheapest rates for Fayetteville drivers with at-fault accidents on their records: $71 per month for liability-only coverage. The data below outlines the average cost of auto insurance if you’re in an accident.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Erie | $48 | $71 |
| Nationwide | $48 | $70 |
| GEICO | $55 | $80 |
| Travelers | $60 | $88 |
| Dairyland | $63 | $91 |
| Direct Auto | $64 | $95 |
| Safeco | $64 | $92 |
| Allstate | $65 | $95 |
| Progressive | $66 | $97 |
| Liberty Mutual | $68 | $105 |
| National General | $73 | $106 |
| State Farm | $78 | $113 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Nationwide
North Carolina takes DUIs very seriously and imposes severe consequences, like fines of up to $4,000 and jail time of up to two years.[3] Insurers also see drivers with DUIs as very risky to insure and will either charge you extremely high rates or refuse to provide you coverage altogether.
Fayetteville drivers with a DUI on their record pay an overall average of $158 per month for car insurance. You’ll find the cheapest rates with Nationwide. The table below highlights other affordable insurers for Fayetteville drivers with DUIs.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲ ▼ |
|---|---|---|
| Erie | $48 | $83 |
| Nationwide | $48 | $83 |
| GEICO | $55 | $95 |
| Travelers | $60 | $104 |
| Dairyland | $63 | $109 |
| Direct Auto | $64 | $111 |
| Safeco | $64 | $103 |
| Allstate | $65 | $113 |
| Progressive | $66 | $114 |
| Liberty Mutual | $68 | $118 |
| National General | $73 | $126 |
| State Farm | $78 | $135 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Nationwide
Because age-related factors like mobility, vision, and cognitive issues can make senior drivers more likely to get into accidents than middle-aged drivers, they usually pay more expensive premiums. Average rates tend to decrease around age 25 and pick back up again around age 70, but seniors can still lock in affordable coverage.
Seniors in Fayetteville pay an average of $72 per month for car insurance. Nationwide offers the cheapest rates in the city. The table below shows some other cheap auto insurance companies for seniors in Fayetteville.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Nationwide | $36 | $55 |
| Erie | $37 | $57 |
| GEICO | $44 | $68 |
| Travelers | $47 | $74 |
| Progressive | $48 | $75 |
| Dairyland | $50 | $245 |
| Direct Auto | $50 | $90 |
| Allstate | $52 | $82 |
| Safeco | $55 | $108 |
| National General | $56 | $98 |
| Liberty Mutual | $57 | $178 |
| State Farm | $61 | $95 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Erie
Compared to older drivers, teen drivers have less experience on the road and face higher premiums as a result. They can save on a policy if they stay on their parents’ insurance, complete an approved defensive driving course, or take advantage of good student discounts.
Teen drivers in Fayetteville pay an average of $150 per month for car insurance. They’ll find the cheapest rates from Erie. The table below shows some of the cheapest monthly car insurance quotes for teens and young drivers in Fayetteville.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Erie | $81 | $125 |
| Nationwide | $84 | $130 |
| GEICO | $88 | $137 |
| Dairyland | $102 | $496 |
| Travelers | $109 | $171 |
| Allstate | $117 | $183 |
| Liberty Mutual | $117 | $366 |
| Progressive | $117 | $182 |
| Direct Auto | $118 | $212 |
| Safeco | $124 | $244 |
| State Farm | $135 | $211 |
| National General | $145 | $254 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Fayetteville car insurance quotes by credit tier
North Carolina allows insurance companies to consider your credit history when underwriting policies. Auto insurance companies view drivers with good to excellent credit as less risky than drivers with poor credit, so they charge them lower premiums.[4]
The table below demonstrates average rates for drivers with different credit scores.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Fayetteville?
Fayetteville drivers pay an average of $87 per month for car insurance, slightly less than the national average. However, it sits in the middle of the pack compared to other North Carolina cities. It’s more expensive than Asheville and Jacksonville but less expensive than cities like Chapel Hill and Wilmington.
More cities in North Carolina
Rates can even vary by ZIP code and city within North Carolina due to variations in population, crime rates, weather conditions, and several other factors. Here’s a look at the average quotes for both liability and full-coverage car insurance in other cities in North Carolina compared to Fayetteville.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Asheville | $44 | $80 |
| Chapel Hill | $44 | $77 |
| Charlotte | $72 | $121 |
| Durham | $55 | $99 |
| Greensboro | $62 | $95 |
| Greenville | $61 | $97 |
| High Point | $61 | $95 |
| Jacksonville | $55 | $84 |
| Raleigh | $62 | $100 |
| Wilmington | $56 | $95 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Fayetteville car insurance FAQs
Finding the right car insurance can be challenging. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Fayetteville.
How much is car insurance in Fayetteville?
On average, car insurance in Fayetteville costs $108 per month for full coverage and $66 for liability-only insurance. But your exact premium will depend on factors like your location, driving record, age, gender, and credit score.
Which company has the cheapest car insurance in Fayetteville?
Erie offers the cheapest car insurance rates in Fayetteville, starting at $48 for liability-only coverage. Fayetteville drivers can also find cheap rates from Nationwide and GEICO, which have liability rates as low as $48 and $55, respectively.
What are the best car insurance companies in Fayetteville?
Many reliable insurers offer coverage in Fayetteville, but Erie, Direct Auto, and GEICO stand out as the best car insurance companies. Erie and GEICO both have Insurify Quality Scores above 4 (out of 5) and strong ratings from AM Best and J.D. Power. Direct Auto is the best option for high-risk Fayetteville drivers, offering policies for drivers with DUIs.
How much is the average car insurance per month in North Carolina?
Car insurance in North Carolina costs an average of $75 per month for car insurance. Drivers pay an average of $55 for liability coverage and $95 for full coverage.
What’s the bare minimum car insurance in North Carolina?
All North Carolina drivers must carry $30,000 per person and $60,000 per accident in bodily injury liability coverage, along with $25,000 per accident in property damage liability coverage. Drivers must also carry uninsured motorist coverage equal to their policy’s bodily injury liability limits but no greater than $1 million.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in North Carolina
Sources
- World Population Review. "North Carolina Cities by Population (2023)."
- North Carolina Division of Motor Vehicles. "Insurance Requirements."
- North Carolina Department of Public Safety. "Driving and Alcohol."
- North Carolina Department of Insurance. "A Consumer's Guide to Insurance Companies' Use of Credit Information."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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