Cheap Auto Insurance Quotes in Fayetteville, NC (2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$59
$60
$93
$122
$129
ProgressiveGEICOTravelersNationwideAmerican Family
Monthly $

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

Quotes by Top Carriers
Quotes ($/mo)
$90
$96
$93
$88
$68
$103
North CarolinaCharlotteRaleighGreensboroDurhamFayetteville
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Fayetteville, NC Driving Facts

north-carolina

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

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.

Driving History
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.

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.

Find local Fayetteville agents

Independent Insurance Group, Inc. 
921 S McPherson Church Rd, Fayetteville, NC 28303-5368
Insurance Service Center 
3820 Raeford Rd., Fayetteville, NC 28304
Callahan & Rice Insurance Group, Inc. 
129 Franklin Street, Fayetteville, NC 28301
Ai Insurance 
225 Green St Suite 900, Fayetteville, NC 28301
Walker Worth Agency 
3821 Ramsey St, Ste. 120, Fayetteville, NC 28311
Tolar Agency, Inc. 
2823 Raeford Rd., Fayetteville, NC 28303
McGriff Insurance Services 
439 Ramsey St, Fayetteville, NC 28301
Insurance Service Center - Yadkin Road 
5310 Yadkin Road, Fayetteville, NC 28303
Collier Insurance & Associates, Inc. 
6310 Ramsey St, Fayetteville, NC 28311-9315
Hurley Insurance Group 
1653 Owen Dr., Fayetteville, NC 28304-3425

Insurify Insights: How Fayetteville Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Fayetteville, NC
suspended licenses
#24
Cities with Most
Suspended Licenses Rank

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.

Accidents Fayetteville

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.

  • Rank within state: #23
  • Percent of drivers in Fayetteville with an accident: 11.01%
  • Drivers in Fayetteville, NC with an accident in their driving history paid on average 28.28% more than drivers with a clean record

Speeding Fayetteville

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.

  • Rank within state: #9
  • Percent of drivers in Fayetteville with a speeding ticket: 11.34%
  • Drivers in Fayetteville, NC with a speeding ticket in their driving history paid on average 26.9% more than drivers with a clean record

DUI/DWIs Fayetteville

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.

  • Rank within state: #24
  • Percent of drivers in Fayetteville with a DUI: 1.44%
  • Drivers in Fayetteville, NC with a DUI in their driving history paid on average 92.41% more than drivers with a clean record

Rude Fayetteville

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.

  • Rank within state: #5
  • Percent of drivers in Fayetteville with a reckless driving violation: 1.99%
  • Drivers in Fayetteville, NC with a reckless driving violation in their driving history paid on average 58.62% more than drivers with a clean record.

Safest Drivers Fayetteville

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.

  • Rank within state: #3
  • Percent of drivers in Fayetteville with clean record: 78.8%

Failure to Yield the Right of Way Fayetteville

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.

  • Rank within state: #4
  • Percent of drivers in Fayetteville with a failure to yield violation: 0.44%
  • Drivers in Fayetteville, NC with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Fayetteville

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.

  • Rank within state: #8
  • Percent of drivers in Fayetteville with a reckless driving offense: 0.17%

Most Popular Vehicle Fayetteville

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.


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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.