Cheap Auto Insurance Quotes in Fayetteville, NC (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

Car Insurance in Fayetteville, NC

The average cost of North Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Fayetteville, NC to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Fayetteville, NC

Here are the cheapest carriers in Fayetteville for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Fayetteville, NC

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Fayetteville. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Fayetteville, NC Driving Facts

Minimum Car Insurance Requirements in NC

All motor vehicles operated or parked on North Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in North Carolina are as follows:

  • $30,000 per person / $60,000 per accident for Bodily Injury (BI)

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.

  • $25,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required 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.

Uninsured or underinsured motorist coverage 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.

  • $30,000 per person / $60,000 per accident for Bodily Injury Coverage if injured by an uninsured/underinsured driver
  • $25,000 for Property Damage caused by an uninsured/underinsured driver
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Fayetteville Car Insurance Rates by Driver Age

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.

Driver's AgeAvg. Monthly Cost
teens$187
20s$173
30s$156
40s$155
50s$145
60s$105
70s$150
80sN/A
Driving HistoryAvg. Monthly Cost
No Violation$149
Speeding Ticket$204
At-Fault Accident$189
Failure to Stop for Red Light / Stop Sign$161

Fayetteville Car Insurance Rates by Driving and Accident History

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.

Fayetteville Car Insurance Rates by Credit Tier

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.

Credit TieAvg. Monthly Cost
Excellent$162
Good$151
Average$166
Poor$160

Fayetteville, NC DMV Information

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.

Public Transportation in Fayetteville, NC

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.

Conclusion: How to get the best and cheapest car insurance in Fayetteville, NC

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Fayetteville stacks up for the state of North Carolina:

nissan
Nissan Altima
Most Popular Car in
Fayetteville, NC
suspended licenses
#16
Cities with Most
Suspended Licenses Rank
Most Patriotic City

Most Patriotic City

Fayetteville

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Jacksonville won Insurify's Most Patriotic Cities Award for the state of North Carolina. The city is home to Marine Corps Base Camp Lejeune, and Jacksonville's main migration draw is still U.S. Marine Corps families.


FAQs - Fayetteville, NC Car Insurance

Why is car insurance so expensive in Fayetteville?

There are more than half a million people in the Fayetteville metro. High-traffic areas will have higher rates, and North Carolina's repair costs also have risen. Insurers raise rates to match the risk level.

How can I get the cheapest car insurance in Fayetteville?

People who choose the state minimum coverage get the cheapest rates. It's the lowest amount of protection the North Carolina law allows. If you've financed your car, your lender may require comprehensive and collision coverage. In that case, to reduce your bill, increase your deductibles to the most you can afford out of pocket if an accident happens.

Who offers the cheapest car insurance in Fayetteville?

Car insurance premiums differ by city, company, and driver. If you're looking for prices tailored to your driver profile, try Insurify to compare up to 10+ real quotes. You'll unlock savings and discounts and find the coverage you deserve and a rate you can afford.