On average, auto insurance in Fayetteville costs about $144 per month for minimum coverage liability insurance, and about $188 per month for full coverage insurance. Fayetteville drivers pay 3% more than the North Carolina average.   

Drivers have found affordable state minimum coverage with providers like Metlife ($19/month on average), Kemper Preferred ($22/month on average), State Auto ($48/month on average), and Travelers ($48/month on average). Those interested in upgrading to full coverage have found affordable rates with companies like Plymouth Rock ($109/month on average), Nationwide ($109/month on average), Clearcover ($112/month on average), and National General ($116/month on average).

Each month, Jerry helps thousands of wise car insurance shoppers in Fayetteville compare and buy car insurance easily and efficiently. Here are some of the cheapest Fayetteville car insurance quotes we found. 

Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Progressive	$774	33	28305	Acura Mdx A-Spec	State Minimum	Yes
Progressive	$214	22	28314	Hyundai Sonata Hybrid	State Minimum	Yes
Dairyland	$401	32	28303	Hyundai Sonata Se	State Minimum	Yes
Safeco	$66	28	28311	Hyundai Sonata Sel Plus	State Minimum	No
Safeco	$63	44	28314	Ford Focus Se	State Minimum	No

Last Updated Dec 17, 2024

Best car insurance companies in Fayetteville  

To find out which insurance company offers the cheapest car insurance rates in Fayetteville (and throughout the country), Jerry surveyed 15,000 policyholders—the largest insurance shopping survey in the nation. 

Here’s what we found: There isn’t a single provider that offers the best rates for every driver, which makes sense considering the plethora of factors and formulas that make car insurance rates vary person-to-person and insurer to insurer. 

The best way to pin down the most affordable car insurance rates is to shop around and compare quotes from multiple providers. Rates aren’t all there are to consider either—claims handling and customer service practices matter, too! 

State Farm, GEICO, Progressive, Allstate, USAA, and Liberty Mutual are each popular insurers in Fayetteville. But the right insurer for you will depend on both personal preferences and details like your age and driving history. Here’s a look at how Fayetteville drivers rated some popular insurers on a scale of 0 to 5. 

• What are the best companies in Fayetteville, North Carolina?

  There’s no one insurance company that offers the best rates for every driver. Providers all use their own algorithms and calculations to determine rates—so what might be best for you might look completely different for someone else. 

  
  That said, affordable state minimum insurance can be found in Fayetteville with providers like Kemper Preferred, State Auto, and Metlife. If you’re looking for full coverage, motorists in Fayetteville have typically found affordable rates with National General, Nationwide, and Clearcover.

Best cheap car insurance quotes in Fayetteville

As per North Carolina’s insurance laws, all drivers in Fayetteville must carry the state’s minimum liability coverage along with uninsured motorist coverage. In an at-fault state like NC, full coverage can help better financially protect your vehicle from damage.

Cheap minimum liability insurance quotes in Fayetteville

To legally drive and register a vehicle in Fayetteville, you must purchase North Carolina’s minimum liability coverage requirements—at least $30,000 per person and $60,000 per accident for bodily injury liability, plus $25,000 in property damage liability per accident.

This sequence of coverage is commonly referred to as 30/60/25 and will cover you up to those limits if you’re at fault for another driver’s injuries or property damage in an accident.  

Do you need more than minimum coverage in Fayetteville?

North Carolina’s minimum liability coverage is fairly low, so Fayetteville drivers may want to consider higher limits or additional coverage.

It’s not uncommon for another driver’s medical expenses or a totaled car to result in costs of more than $40,000 after an accident—which can easily exceed that 30/60/25 limit. 

The bottom line: To keep yourself and your wallet protected, you should consider full coverage insurance, 50/100/50 liability coverage, or 100/300/100 liability coverage.

Cheap full coverage car insurance quotes in Fayetteville

To protect yourself from the costs of repairing or replacing your car in the event of an at-fault accident, full coverage car insurance is your best—and only—option.

Full coverage includes comprehensive and collision coverage: 

• Collision coverage deals with the cost of fixing or replacing your car after an accident
• Comprehensive coverage kicks in if your car is stolen or damaged by a non-collision incident

Lenders typically require collision and comprehensive coverage for a leased vehicle.   

The table below shows some recent examples of the cheapest full coverage policies that Jerry’s agents helped our Fayetteville customers obtain. 

Liability Limits	Has Full Coverage	Insurance Company	Premium (monthly)	Age	Zip Code	Car
State Minimum	Yes	Progressive	$774	33	28305	Acura Mdx A-Spec
State Minimum	Yes	Progressive	$214	22	28314	Hyundai Sonata Hybrid
State Minimum	Yes	Dairyland	$401	32	28303	Hyundai Sonata Se
State Minimum	No	Safeco	$66	28	28311	Hyundai Sonata Sel Plus
State Minimum	No	Safeco	$63	44	28314	Ford Focus Se

Last Updated Dec 17, 2024

The best way to find the coverage you need at the best price in Fayetteville is to compare rates from multiple companies. Jerry, a top insurance agency, offers a free app that streamlines this process, delivering quick quote comparisons and support from a network of over 100 licensed insurance agents.

Average cost of car insurance in Fayetteville

After working with thousands of auto insurance policyholders in Fayetteville, we’ve found that the average cost of minimum liability coverage is $144 per month or $1,728 per year. The average cost of full coverage insurance in Fayetteville is $188 per month or $2,256 per year.

Average car insurance expenses can help you estimate potential insurance costs—but each driver’s insurance premium will be different. Your coverage type, driving history, zip code, vehicle make and model, age, and claims history will all impact your rate.

In Fayetteville, insurance rates for minimum liability coverage typically start at around $ 144  per month while full coverage can cost closer to $188 per month. That said, costs can vary hundreds of dollars based on each driver’s specific profile.

Car insurance quotes in Fayetteville by rating factors 

Insurance companies in Fayetteville use multiple factors to determine your car insurance rate:

• Your driving record and claims history: Safe drivers with clean driving records and zero insurance claims are typically quoted the lowest rates.
• Where you keep and drive your car: Rates are usually higher for those who live in areas with higher crime rates and more claims filed. This can vary by zip code within the same city.
• The kind of car you have: Minimum liability insurance and full coverage are more costly for high-tech, luxury, high-performance, and sports cars. 
• How you use your car: If you only use your vehicle for leisurely driving, your car insurance rates will be lower than if you drive to and from work daily.
• Your credit score: A higher credit score can bring down your rates.

Cheap car insurance quotes in Fayetteville after driving violations

Your driving history—including any tickets or accidents—will impact your auto insurance premium. A history of violations or at-fault accidents can indicate a higher risk level, which will result in higher rates. Some typical traffic violations that can impact your rates include:

• Speeding
• DUIs
• At fault accidents 
• Reckless driving 
• Driving with a suspended license

Cheapest car insurance in Fayetteville after speeding ticket

Not all speeding violations are the same; after all, driving 20 mph over the speed limit is more serious than 6 mph over the speed limit.

While having a speeding ticket on your record will usually leave you with a more expensive premium, shopping around for auto insurance quotes can still help you find the best rates for your situation. 

Jerry has helped many Fayetteville drivers find cheaper rates on car insurance—even with tickets on their records!

Speeding Type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Speeding Violation-Major	Progressive	$774	33	28305	Acura Mdx A-Spec	State Minimum	Yes
Speeding 6-10	National General	$63	57	28303	Dodge Journey Se	State Minimum	Yes
Speeding Violation-Minor	Dairyland	$63	30	28301	Ford Fusion Sel	State Minimum	No
Speeding Violation-Major	Dairyland	$318	44	28314	Nissan Maxima 3.5 Platinum	State Minimum	Yes
Speeding Violation-Major	Progressive	$59	26	28304	Honda Accord Lx-S	State Minimum	No

Last Updated Dec 17, 2024

Cheapest car insurance in Fayetteville after DUI

With a DUI on your driving record, most insurance companies in Fayetteville will quote you higher-than-average rates. To secure the best rate after a DUI offense, it’s important to gather quotes from various providers.

Jerry frequently helps drivers score savings on their auto insurance after a DUI.

Cheapest car insurance in Fayetteville after an at-fault accident

Insurance companies use your history of at-fault accidents to assess your risk level. Recent at-fault accidents or numerous claims can significantly raise your premiums. 

North Carolina is an at-fault state. If you were deemed at-fault in a collision, your car insurance rates could skyrocket by as much as 15%—possibly more. 

Jerry has still helped Fayetteville drivers save on car insurance with at-fault accidents on their driving record.

Accident type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Not At Fault	Dairyland	$401	32	28303	Hyundai Sonata Se	State Minimum	Yes
At Fault With Injury	Safeco	$66	28	28311	Hyundai Sonata Sel Plus	State Minimum	No
Not At Fault	Safeco	$63	44	28314	Ford Focus Se	State Minimum	No
At Fault With Injury	Progressive	$331	20	28311	Ford F-150	State Minimum	Yes
At Fault With Injury	Progressive	$90	70	28306	Mercury Sable Ls Premium	State Minimum	No

Last Updated Dec 17, 2024

Cheapest car insurance in Fayetteville after other driving violations

Speeding tickets and DUIs are serious, but they aren’t the only violations that can increase your car insurance premiums. Reckless or careless driving, driving without insurance, or driving without a valid license can all hike up your car insurance rates in Fayetteville, too.

Browse the table below to see how Jerry has helped drivers save on their car insurance after serious violations.

Violation	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Defective Equipment	Progressive	$214	22	28314	Hyundai Sonata Hybrid	State Minimum	Yes
Suspension	Safeco	$66	28	28311	Hyundai Sonata Sel Plus	State Minimum	No
Failure to Obey Signal	Progressive	$303	38	28301	Dodge Durango Gt	State Minimum	Yes
DUI	Progressive	$348	31	28312	Chevrolet Cruze Ls	State Minimum	No
Suspension	Progressive	$93	43	28311	Hyundai Tucson Gls	State Minimum	Yes

Last Updated Dec 17, 2024

Cheap car insurance quotes in Fayetteville by age

Young drivers with minimal driving experience tend to pay higher premiums, even with a clean driving record. Senior drivers in their mid-70s also face higher insurance rates.

Cheapest car insurance in Fayetteville  for young drivers

Teen drivers from ages 16 to 19 typically pay the highest rates for car insurance in Fayetteville. This is because teen drivers are more likely to get into accidents due to their limited driving experience. 

It’s therefore a good idea to ensure teen drivers have the protection of full coverage insurance—especially if they’re driving a newer vehicle. To keep those teen car insurance rates lower, consider keeping young drivers on a parent or guardian’s policy. 

Cheapest car insurance in Fayetteville for senior drivers

Although they have a wider range of driving experience, senior drivers are more likely to get into car accidents that result in serious injuries and high medical bills. For this reason, older drivers may see a rise in their insurance rates once they reach 70 to 75 years old.

Cheap car insurance quotes in Fayetteville based on insurance history

Whether you are currently insured—and have been consistently insured over time—can impact your car insurance rates. Any lapse in your insurance coverage can lead to higher premiums.

Jerry sends helpful payment reminders to qualifying customers to ensure on-time payments and avoid coverage lapses.

Uninsured customers and drivers with lapses in coverage can still find savings on their new policies with Jerry.

Cheap car insurance quotes in Fayetteville for drivers with poor credit

In North Carolina, insurance companies use credit scores as a risk predictor for policyholders. While your credit rating isn’t a direct indicator of your driving habits, statistics show that individuals with low credit scores are more likely to file claims than those with high credit scores.

Jerry’s data shows that the average car insurance rate for drivers with credit scores over 750 is lower than rates for drivers with credit scores below 550.

Here’s how drivers with low credit scores saved with Jerry.

Credit Score	Insurance Company	Monthly Quote	Age	Zip Code	Car Make Model Trim	Liability Limits	Has Full Coverage
550-659	Progressive	$774	33	28305	Acura Mdx A-Spec	State Minimum	Yes
550-659	Progressive	$214	22	28314	Hyundai Sonata Hybrid	State Minimum	Yes
550-659	Dairyland	$401	32	28303	Hyundai Sonata Se	State Minimum	Yes
660-750	Safeco	$66	28	28311	Hyundai Sonata Sel Plus	State Minimum	No
550-659	Safeco	$63	44	28314	Ford Focus Se	State Minimum	No

Last Updated Dec 17, 2024

Cheap car insurance quotes in Fayetteville for popular cars

Insurance providers take your vehicle’s make and model into account when determining your car insurance rate. High-tech features, safety technology, pricey parts, and the likelihood of theft will contribute to either raising or lowering your premium.

Popular car models in Fayetteville include: 

• Ford F-150
• Chevy Silverado
• Honda CR-V
• Toyota Camry
• Dodge RAM 1500

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Learn More: How to get car insurance before buying a car

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Popular Car	Insurance Company	Premium (monthly)	Age	Zip Code	Liability Limits	Has Full Coverage
Ford F-150	Progressive	$331	20	28311	State Minimum	Yes
Toyota Camry Se	Progressive	$258	24	28314	100/300	Yes
Toyota Camry	Progressive	$360	37	28314	State Minimum	No
Toyota Camry Xse	Dairyland	$206	23	28311	State Minimum	Yes
Toyota Camry L	Assurance America	$258	43	28312	25/50	Yes

Last Updated Dec 17, 2024

How to lower car insurance costs in Fayetteville

1. Shop around and compare quotes

Each insurance company uses different methods to calculate your premium—methods that shift and change with time, too! Because of this, the best strategy for securing the most affordable rates is to compare quotes from at least three different insurers and shop for new quotes every six months. 

Luckily, Jerry can take all the hard work out of this process. In just 45 seconds, Jerry analyzes quotes from a pool of over 55 top insurers to pinpoint the best premiums available to you. Even better: Jerry provides this service completely free of charge! 

2. Hunt for car insurance discounts

You can also shop for car insurance discounts as you shop for car insurance quotes. Most insurers have several discounts available, the most common of which include: 

• Bundling home and auto insurance: You can usually take a percentage off multiple insurance types by purchasing policies through the same insurer. This also typically works with auto and renters insurance.
• Good student discounts: Drivers who are full-time students in high school or college with a B average or better may luck out with lower car insurance rates. 
• Telematics discounts: Some insurers use telematics apps to track your driving practices and offer discounts for safe driving—or even just signing up!
• Defensive driver discounts: If you’re over 55, you can often cut costs on your premiums by completing a state-approved defensive driver course. 

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Learn More: 11 ways to lower car insurance 

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3. Increase your deductible for comprehensive and collision coverage

To make your monthly payments more manageable, it may make sense to increase your deductibles for your comprehensive and collision coverage. This is especially true if you tend to drive safely or if your personal savings could accommodate higher out-of-pocket repair costs.