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.
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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Drivers in Fayetteville can expect to pay an average of $94 per month for car insurance. The city’s rates are higher than North Carolina’s average of $79 but lower than the national average of $160 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
Midvale Home & Auto, Erie, and Nationwide are the cheapest car insurance companies for Fayetteville residents.
The average cost of liability-only coverage for Fayetteville drivers is $69 per month, while full coverage averages $119 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.
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.
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.
$49/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.
$75/mo
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.
They completely ignore written instructions from higher-ups. Also, agents at the local establishment seem to be dishonest to cover their mistakes.
Eduard - July 24, 2024
Verified
Price, Service, Coverage - Everything is Very Good
Everything is as expected.
Teresa - July 23, 2024
Verified
Erie Insurance is a Great Insurance
I've been with Erie for about 20 years now. They are great when it comes to answering questions and handling anything that I need. I was only comparing different insurance quotes, but I will be staying with Erie.
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.
$63/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.
$127/mo
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.
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.
$56/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.
$86/mo
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.
The employees are not adequately trained for their job. That's why I recently stopped using their services. I regret having to say this.
The employees are not adequately trained for their job. That's why I recently stopped using their services. I regret having to say this.
Judy - July 25, 2024
Verified
Poor Mobile App
The mobile app was disappointing. After multiple attempts, we decided to cancel.
Matthew - July 25, 2024
Verified
Geico is Expensive but Offers Great Service
It's expensive, but the service is awesome.
…
Find Cheap Car Insurance in Fayetteville, NC
Rates start at $40 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: Midvale Home & Auto
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 Midvale Home & Auto, with an average premium of $40 per month. The table below outlines the cheapest liability-only policies for drivers in Fayetteville.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Midvale Home & Auto
$40
Erie
$49
Nationwide
$49
GEICO
$56
Liberty Mutual
$59
Travelers
$62
Direct Auto
$63
Safeco
$63
Dairyland
$64
Allstate
$67
Progressive
$68
National General
$76
State Farm
$80
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 $75 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Erie
$75
Nationwide
$75
Midvale Home & Auto
$82
GEICO
$86
Travelers
$94
Allstate
$102
Progressive
$105
State Farm
$123
Direct Auto
$127
Safeco
$136
National General
$138
Liberty Mutual
$218
Dairyland
$305
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.
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.
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: Nationwide
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 Nationwide, 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Midvale Home & Auto
$40
$57
Erie
$49
$68
Nationwide
$49
$68
GEICO
$56
$77
Liberty Mutual
$59
$88
Travelers
$62
$85
Direct Auto
$63
$86
Safeco
$63
$87
Dairyland
$64
$88
Allstate
$67
$92
Progressive
$68
$93
National General
$76
$104
State Farm
$80
$109
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: Nationwide
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.
Nationwide 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Midvale Home & Auto
$40
$61
Erie
$49
$72
Nationwide
$49
$71
GEICO
$56
$81
Liberty Mutual
$59
$92
Travelers
$62
$90
Direct Auto
$63
$93
Safeco
$63
$88
Dairyland
$64
$92
Allstate
$67
$96
Progressive
$68
$99
National General
$76
$110
State Farm
$80
$114
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: Midvale Home & Auto
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 $173 per month for car insurance. You’ll find the cheapest rates with Midvale Home & Auto. The table below highlights other affordable insurers for Fayetteville drivers with DUIs.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Midvale Home & Auto
$40
$71
Erie
$49
$86
Nationwide
$49
$86
GEICO
$56
$99
Liberty Mutual
$59
$104
Travelers
$62
$109
Direct Auto
$63
$111
Safeco
$63
$111
Dairyland
$64
$113
Allstate
$67
$118
Progressive
$68
$120
National General
$76
$134
State Farm
$80
$141
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: Midvale Home & Auto
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 $78 per month for car insurance. Midvale Home & Auto 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Midvale Home & Auto
$31
$63
Erie
$37
$56
Nationwide
$37
$56
GEICO
$45
$69
Liberty Mutual
$48
$176
Direct Auto
$49
$98
Progressive
$49
$75
Travelers
$49
$74
Dairyland
$51
$244
Safeco
$51
$111
Allstate
$54
$82
National General
$59
$108
State Farm
$62
$96
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: Midvale Home & Auto
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 $151 per month for car insurance. They’ll find the cheapest rates from Midvale Home & Auto. 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Midvale Home & Auto
$65
$134
Erie
$78
$119
Nationwide
$79
$121
GEICO
$83
$128
Dairyland
$101
$480
Liberty Mutual
$103
$380
Travelers
$106
$160
Direct Auto
$109
$219
Allstate
$111
$169
Progressive
$116
$179
Safeco
$125
$269
State Farm
$128
$197
National General
$139
$253
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 $94 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.
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 $119 per month for full coverage and $69 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?
Midvale Home & Auto offers the cheapest car insurance rates in Fayetteville, starting at $40 for liability-only coverage. Fayetteville drivers can also find cheap rates from Erie and Nationwide, which have liability rates as low as $49 and $49, 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 $79 per month for car insurance. Drivers pay an average of $56 for liability coverage and $101 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
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.
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.
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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