Over 211,000 residents call the military town home, and driving is the main mode of transportation. When you're right near Fort Bragg, everyone marches to find the best car insurance policy.
More than 92 percent of Fayetteville households own cars. With so much greenery everywhere, it's no wonder people want to save some green stuff on a reliable auto insurance policy in the Tar Heel State.
See More: Cheap Car Insurance North Carolina
See More: Compare Car Insurance
See More: Best Car Insurance Companies
Proof of insurance must be carried in your car at all times and must available when:
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by North Carolina state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by North Carolina law.
The state minimum amount of property damage liability coveragerequired in the state of North Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
is legally required in North Carolina to cover damages and lost wages to drivers and passengers involved in an accident with an uninsured/underinsured at-fault driver.
In Fayetteville, age has as much to do with insurance premiums as where you live or what you drive. Why? Younger, less experienced drivers tend to take more risks and have more accidents than older motorists. Because of this, insurance companies recoup these costs by collecting higher premiums from younger drivers. Don’t worry, though. Insurance rates drop as you age. In Tar Heel Town, teens pay $186 on average per month in insurance premiums, while drivers just 10 years older pay $172. Those in their 60s pay the least for car insurance in Fayetteville, at just $106.
|Failure to Stop for Red Light / Stop Sign||$161|
Whether you already have insurance or are in the process of obtaining it, driving mistakes can cost you in Fayetteville. How you behave behind the wheel is just one thing that insurance companies consider when determining risk and setting rates. On average, those who are on their best behavior (and have made no driving mistakes) pay just $148 in insurance premiums monthly. However, having a speeding violation here is costly. Drivers with a speeding offense on record pay 38 percent more here than the clean-record crowd. Don’t forget: insurance companies refer to your driving record both when establishing your policy and upon renewal.
If you aren’t already actively managing your credit score, here’s one reason you should: your insurance rates could depend on it. While things like age and ZIP code all go into calculating your risk, so does credit score. Studies have shown that the better someone manages their money, the lower the insurance risk they pose. That said, the higher the insurance score, the lower your risk and rates. Drivers in Fayetteville with an average credit score can expect to pay $165 in insurance premiums monthly.
See More: Bad Credit Car Insurance North Carolina
Fayetteville has at least 10 locations to serve you. Most are open Monday through Friday, 9 a.m. to 5 p.m.. You can find offices in Eutaw, South Fayetteville, Fort Bragg, Hope Mills, Spring Lake, Stedman, Raeford, and St. Pauls.
Most folks in Fayetteville drive, but the city also provides public transportation. Amtrak has passenger rail service, and Fayetteville Area System of Transit (FAST) gets passengers around the Fayetteville and Spring Lake areas. They also give paratransit to eligible riders. If the bus is not your thing, you can opt for rideshare services like Uber or Lyft. Traditional taxis are also available from companies such as Checker Yellow Cab and Sam's Taxi Service.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Fayetteville drivers measure up to their fellow North Carolina motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Fayetteville drivers rank 23 in the number of car accidents per driver across all cities in North Carolina.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in North Carolina, Fayetteville drivers rank 9 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Fayetteville drivers rank 24 in the number of DUI’s per driver across all cities in North Carolina.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in North Carolina, Fayetteville drivers rank 5 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Fayetteville drivers rank 3 in clean driving records across all cities in North Carolina.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Fayetteville drivers rank 4 in failure to yield violations per driver across all cities in North Carolina.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in North Carolina, Fayetteville drivers rank 8 in the number of reckless driving offenses per driver.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Fayetteville is the Nissan Altima.
It seems like there's always a festival going on in Fayetteville. Perhaps, your car insurance price will give you one more reason to get outdoors and dance in the street. Try Insurify to find the best rates and compare dozens of insurance quotes in just a few seconds.
North Carolinians are a responsible bunch, but there's still over 6 percent of drivers with no insurance. Instead of risking it, use Insurify to get an auto insurance price sweeter than the Coffee Scene's gelato.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.