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Cheapest car insurance in Fort Bragg, North Carolina (May 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Fort Bragg, North Carolina.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance in Fort Bragg

On average,
auto insurance
in Fort Bragg costs about $76 per month for minimum coverage liability insurance, and about $174 per month for full coverage insurance. Fort Bragg drivers pay 18% more than the
North Carolina
average.  
Each month,
Jerry
helps thousands of wise car insurance shoppers in Fort Bragg
compare and buy car insurance
easily and efficiently. Here are some of the cheapest Fort Bragg car insurance quotes we found. 
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$115
Jackson, 43
Zip: 28307
Nissan Pathfinder S
• State Minimum Liability
• Comp / Collision
Allstate
$317
Tillie, 25
Zip: 28310
Hyundai Veloster
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$172
Brett, 26
Zip: 28310
Hyundai Accent SE
• 50,000/100,000 Liability
• Comp / Collision
National General
$287
Abbie, 21
Zip: 28307
Hyundai Sonata SE
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 25, 2024

Best Car Insurance Companies in Fort Bragg

To find out which insurance company offers the cheapest car insurance rates in Fort Bragg (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 Fort Bragg. 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 Fort Bragg drivers rated some popular insurers on a scale of 0 to 5. 
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.4
4.1
3.5
4.4
USAA
4.3
3.7
4.8
4.3
State Farm
4.2
3.3
4.7
4.3
Geico
4.1
3.7
3.7
4.2
Liberty Mutual
3.9
3.2
3.7
3.8
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Fort Bragg

As per
North Carolina’s insurance laws
, all drivers in Fort Bragg 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 Fort Bragg

To legally drive and register a vehicle in Fort Bragg, 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.  
Here are some cases where Jerry helped Fort Bragg drivers find minimum liability coverage at the cheapest rates.
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Jackson (43 years old)
coverageCoverage
State Minimum
locationFort Bragg, NC
(Zip Code: 28307)
$115
per month
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Cole (31 years old)
coverageCoverage
State Minimum
locationFort Bragg, NC
(Zip Code: 28307)
carSubaru WRX
$113
per month
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Victoria (23 years old)
coverageCoverage
State Minimum
locationFort Bragg, NC
(Zip Code: 28307)
$183
per month
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Calvin (21 years old)
coverageCoverage
State Minimum
locationFort Bragg, NC
(Zip Code: 28310)
$104
per month

Do you need more than minimum coverage in Fort Bragg?

North Carolina’s minimum liability coverage is fairly low, so Fort Bragg 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 Fort Bragg

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 Fort Bragg customers obtain. 
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$115
Jackson, 43
Zip: 28307
Nissan Pathfinder S
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$317
Tillie, 25
Zip: 28310
Hyundai Veloster
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$172
Brett, 26
Zip: 28310
Hyundai Accent SE
• State Minimum Liability
• Comp / Collision
Allstate
$128
Beulah, 29
Zip: 28307
Ford Focus ST
coverageLast Updated May 25, 2024
The best way to find the coverage you need at the best price in Fort Bragg 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.
Lower my car insurance too!

Average cost of car insurance in Fort Bragg

After working with thousands of auto insurance policyholders in Fort Bragg, we’ve found that the average cost of minimum liability coverage is $76 per month or $912 per year. The average cost of full coverage insurance in Fort Bragg is $174 per month or $2,088 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 Fort Bragg, insurance rates for minimum liability coverage typically start at around $76 per month while full coverage can cost closer to $174 per month. That said, costs can vary hundreds of dollars based on each driver’s specific profile.

Average cost of car insurance in Fort Bragg by zip code

Because accident rates and crime and theft statistics can vary by location within the same city, different zip codes in Fort Bragg may see different rates. If your neighborhood files more claims than others, insurers may flag your zip code as “high risk” and increase rates accordingly.
Here are some car insurance quotes Fort Bragg drivers received in different neighborhoods.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
28307
$66
$174
28310
$86
$202

Car insurance quotes in Fort Bragg by rating factors 

Insurance companies in Fort Bragg 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.

How do different factors impact your car insurance costs in Fort Bragg?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, credit history, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): Gender, age, education.
Learn more about the car insurance rating factors in Fort Bragg:

Cheap car insurance quotes in Fort Bragg 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:

Cheapest car insurance in Fort Bragg 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 Fort Bragg drivers find cheaper rates on car insurance—even with tickets on their records!
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Progressive
$139
Gavin, 22
Zip: 28307
Lexus IS 250
• State Minimum Liability
Speeding 11-15
National General
$70
Fred, 23
Zip: 28307
Volkswagen Tiguan S
• State Minimum Liability
Speeding 16-20
Safeco
$172
Inez, 26
Zip: 28310
Hyundai Accent SE
• 50,000/100,000 Liability
• Comp / Collision
Speeding 21+
National General
$110
Alice, 28
Zip: 28307
Jeep Cherokee Latitude Plus
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 25, 2024

Cheapest car insurance in Fort Bragg after DUI

With a
DUI
on your driving record, most insurance companies in Fort Bragg 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.
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Lina (40 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationFort Bragg, NC
(Zip Code: 28307)
$64
per month
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Margaret (33 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationFort Bragg, NC
(Zip Code: 28307)
$55
per month

Cheapest car insurance in Fort Bragg 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 Fort Bragg drivers save on car insurance with at-fault accidents on their
driving record
.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$182
Jeremy, 24
Zip: 28310
Nissan Versa S
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Travelers
$156
Norman, 22
Zip: 28310
Subaru Outback 2.5I Premium
• 50,000/100,000 Liability
• Comp / Collision
Not At Fault
Safeco
$172
Harriet, 26
Zip: 28310
Hyundai Accent SE
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Nationwide
$278
Edgar, 23
Zip: 28307
Ford Mustang GT
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 24, 2024

Cheapest car insurance in Fort Bragg 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 Fort Bragg, too.
Browse the table below to see how Jerry has helped drivers save on their car insurance after serious violations.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Careless Driving
Progressive
$338
Elmer, 28
Zip: 28307
Jeep Cherokee Latitude Plus
• 25,000/50,000 Liability
• Comp / Collision
Improper Passing
Progressive
$236
Fanny, 23
Zip: 28307
Jeep Patriot Sport
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 22, 2024

Cheap car insurance quotes in Fort Bragg 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 Fort Bragg for young drivers

Teen drivers from ages 16 to 19 typically pay the highest rates for car insurance in Fort Bragg. 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. 
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Lucile (21 years old)
coverageCoverage
State Minimum
locationFort Bragg, NC
(Zip Code: 28307)
$373
per month
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Jeff (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationFort Bragg, NC
(Zip Code: 28310)
$156
per month
card cover
Mina (22 years old)
coverageCoverage
State Minimum
locationFort Bragg, NC
(Zip Code: 28307)
$334
per month
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Gregory (24 years old)
coverageCoverage
State Minimum
locationFort Bragg, NC
(Zip Code: 28310)
$254
per month

Cheapest car insurance in Fort Bragg 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.
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Leona (66 years old)
coverageCoverage
State Minimum
locationFort Bragg, NC
(Zip Code: 28307)
$80
per month
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Luella (69 years old)
coverageCoverage
State Minimum
locationFort Bragg, NC
(Zip Code: 28307)
$55
per month

Cheap car insurance quotes in Fort Bragg 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.
card cover
Belle (43 years old)
Currently Insured
coverageCoverage
State Minimum
locationFort Bragg, NC
(Zip Code: 28307)
$115
per month
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Clara (29 years old)
Currently Insured
coverageCoverage
State Minimum
locationFort Bragg, NC
(Zip Code: 28307)
$128
per month
card cover
Rena (22 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationFort Bragg, NC
(Zip Code: 28310)
$156
per month
card cover
Inez (26 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationFort Bragg, NC
(Zip Code: 28310)
$172
per month
card cover
Troy (25 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationFort Bragg, NC
(Zip Code: 28310)
carHyundai Veloster
$172
per month

Cheap car insurance quotes in Fort Bragg 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 RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$139
Francis, 26
Zip: 28310
Hyundai Accent SE
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
National General
$106
Sylvia, 23
Zip: 28307
Ford F150 Supercrew
• State Minimum Liability
• Comp / Collision
660 - 750
Progressive
$114
Richard, 23
Zip: 28307
Ford F150 Supercrew
• State Minimum Liability
• Comp / Collision
550 - 659
National General
$102
Angel, 22
Zip: 28307
Lexus IS 250
• State Minimum Liability
< 550
National General
$287
Herman, 21
Zip: 28307
Hyundai Sonata SE
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 26, 2024

How to lower car insurance costs in Fort Bragg

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. 

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. 

FAQ

People living in Fort Bragg pay on average $76 per month – or $912 per year – on state-minimum liability coverage. Full coverage in Fort Bragg costs on average $174 per month of $2,088 per year. 
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free. 
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Allstate
,
Geico
, and
Nationwide
receive good ratings from Fort Bragg drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry. 
Based on thousands of Fort Bragg drivers Jerry has worked with, car insurance in Fort Bragg costs an average of $76 per month for state-minimum coverage and $174 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!  
The state-minimum car insurance in Fort Bragg, North Carolina is $30,000 in bodily injury liability per person, $60,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 30/60/25 coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
badge icon
Licensed Insurance Agent
badge icon
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.