The average cost of a full car coverage car insurance policy in Fayetteville is $1,305, significantly higher than the North Carolina state average of $1,084. Bigger cities, with their busy streets and higher repair costs, often mean higher rates for car insurance.
But drivers in Fayetteville can still save on coverage — the best way to make sure you’re not overpaying is to compare quotes from different companies before you buy. policycentral makes it easy to compare rates from top car insurance companies so you can choose the option that’s best for your needs (and your wallet).
Methodology & why you can trust our rates
policycentral has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Fayetteville, NC
Insurance companies consider lots of different factors when determining your car insurance rates. Some of these are out of your control, like your age and gender, but there are some you can improve over time, like your driving history or credit score. The cheapest company for one driver isn’t always the cheapest for another, which is why you should always take time to compare quotes before you buy a policy.
Company | Average cost | JD Power Rating |
|---|---|---|
Erie | $872 | 893 |
GEICO | $929 | 874 |
Farm Bureau | $943 | -- |
Utica National | $1,054 | -- |
State Farm | $1,110 | 882 |
Cheapest car insurance rates by ZIP code in Fayetteville, NC
Insurance rates can vary from neighborhood to neighborhood. Suburban areas with fewer cars on the roads will have lower rates than denser neighborhoods with busier streets. Crime rate, the number of claims and even repair costs in a given area can make car insurance more expensive.
ZIP code | Average cost |
|---|---|
28312 | $1,132 |
28306 | $1,313 |
28303 | $1,320 |
28310 | $1,323 |
28305 | $1,325 |
28311 | $1,329 |
28304 | $1,329 |
28314 | $1,334 |
28301 | $1,339 |
Choosing the right car insurance company in Fayetteville, NC
Since car insurance rates are based on so many personal factors, like your age, driving record, credit score and ZIP code, the right car insurance company is different for every driver. The best way to find the right policy for you is to shop around and compare quotes.
policycentral can help you easily see your options by showing you quotes from top companies, so you can feel confident in your choice.
Car insurance rates for drivers with driving violations in Fayetteville, NC
Insurance companies consider drivers with multiple accidents, moving violations, and claims on their record as higher insurance risks, and they will set higher rates accordingly. The best way to avoid these increased rates is to be a safe and careful driver, but if you do have a poor driving record, it’s all the more important to compare quotes when shopping for a policy.
Violation | Erie | GEICO | Farm Bureau | Utica National | State Farm |
|---|---|---|---|---|---|
At-fault accident | $990 | $2,395 | $1,620 | $2,076 | $2,023 |
DUI | $4,125 | $6,074 | $4,070 | $6,227 | $5,182 |
Suspended license | $2,833 | $3,720 | $2,798 | $4,138 | $3,161 |
Open container | $1,357 | $1,616 | $1,348 | $1,537 | $1,658 |
Expired registration | $1,357 | $1,616 | $1,348 | $1,537 | $1,510 |
Driving without lights | $898 | $1,616 | $1,348 | $1,537 | $1,510 |
Running a red light | $1,357 | $1,616 | $1,348 | $1,537 | $1,658 |
Following too closely | $1,496 | $1,776 | $1,484 | $1,752 | $1,841 |
Hit and run | $4,125 | $6,074 | $6,265 | $6,227 | $5,182 |
Not-at-fault accident | $898 | $952 | $984 | $1,212 | $1,180 |
Passing a school bus | $1,820 | $2,246 | $1,802 | $2,483 | $2,144 |
Reckless driving | $1,820 | $2,604 | $1,802 | $2,483 | $2,144 |
Speeding | $1,496 | $1,776 | $1,484 | $1,331 | $1,841 |
Cheapest car insurance for drivers with a DUI in Fayetteville, NC
Company | Rates for drivers with DUIs |
|---|---|
Farm Bureau | $4,070 |
Erie | $4,125 |
State Farm | $5,182 |
GEICO | $6,074 |
Utica National | $6,227 |
Cheapest car insurance for drivers with a speeding ticket in Fayetteville, NC
Company | Rates for drivers with speeding tickets |
|---|---|
Utica National | $1,331 |
Farm Bureau | $1,484 |
Erie | $1,496 |
GEICO | $1,776 |
State Farm | $1,841 |
Cheapest car insurance for drivers with bad credit in Fayetteville, NC
Companies also consider your credit score when setting rates, and a lower score typically means you’ll pay more for car insurance. Not all states allow credit to be a factor in setting rates, but North Carolina does, which means drivers with poor credit should be sure to take time to shop around and find the most affordable coverage they can.
Company | Rates for drivers with bad credit |
|---|---|
National General Insurance | $1,190 |
Erie | $1,311 |
Progressive | $1,385 |
MetLife | $1,385 |
Penn National | $1,392 |
Buying car insurance in Fayetteville, NC
All drivers in North Carolina must have at least the minimum amount of coverage required in the state, but most drivers will need higher coverage amounts in order to be fully protected. The minimum amounts required by law are:
Bodily injury liability coverage per person: $30,000
Bodily injury liability coverage per accident: $60,000
Property damage liability coverage: $25,000
North Carolina is an at-fault state when it comes to car accidents. That means that whenever two or more cars are in an accident, the driver who was at-fault is responsible for covering the costs of any damage or injuries to the other drivers — that’s what liability coverage is for, and that’s why it’s a good idea to set your liability coverage limits much higher than the state minimum requirements.
How to get cheap car insurance in Fayetteville, NC
Shopping for car insurance doesn’t have to be confusing. Here are some simple tricks for finding the cheapest coverage:
Compare quotes between companies before you buy, so you don’t miss out on the most affordable coverage
Discounts can make a real difference. Know what’s available, like discounts for being a safe driver, paying your premium in full, and for having a child away at college without a car
Own a home or rent? Purchasing a home or renters policy from the same insurance company as your car insurance can save you money on both policies.
Reshop before renewing your policy, since your situation may have changed, or rates have changed between companies.
Frequently asked questions
Is car insurance mandatory in North Carolina?
Yes. Every North Carolina driver needs to have at least the minimum coverage amount required by law. But most drivers need significantly more coverage than the state minimums in order to be fully protected.
Is North Carolina a no-fault state or an at-fault state?
North Carolina is an at-fault state, which means the insurance of the driver who is at-fault for an accident will pay for any property damage or medical expenses caused by the accident.
Does North Carolina require car insurance?
Yes, the law in North Carolina requires drivers to have a minimum of $30,000 for bodily injury per person, $60,000 per accident, and $25,000 for property damage liability per accident.
How much is car insurance per month in North Carolina?
Drivers in North Carolina pay an average of $1,084 per year for car insurance, which breaks down to $90 per month. Drivers in Fayetteville pay an average of $109 per month, which is $19 higher than the state average.
