Fayetteville, NC Car Insurance

Learn more about how to find affordable insurance in Fayetteville.

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How much does auto insurance cost in Fayetteville?

 

The average car insurance rate in Fayetteville is $1,188 per year. That's more than the average across North Carolina ($955) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Fayetteville.

 
FAYETTEVILLE CAR INSURANCE RATES
Fayetteville Average (annual) North Carolina Average National Average
$1,188 $955 $1,548
 
Jump to auto insurance rates by:
 

 

Fayetteville car insurance premiums by company

 

The difference in auto insurance rates from company to company can be substantial. In Fayetteville, GEICO offers the cheapest rates for the average insurance customer. We've gathered the best cheap car insurance companies in Fayetteville below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.

 
FAYETTEVILLE AUTO INSURANCE RATES BY COMPANY
Insurance Company Average Rate (annual)
GEICO $562
North Carolina Farm Bureau $958
Erie $984
State Farm $1,112
Nationwide $1,357
 

Consult our expert guide to finding the best cheap car insurance.

 

Fayetteville car insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Fayetteville are drivers in their 50s, who pay an average of $1,112 per year. Drivers in their 60s don't pay much more ($1,113).

Young drivers aged 16 to 19 pay the most for car insurance in Fayetteville. When Fayetteville drivers hit their 20s, their insurance rates drop substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Fayetteville is $1,387, the largest such difference between any two age groups.

 
FAYETTEVILLE CAR INSURANCE PREMIUMS BY DRIVER AGE
Age Average Yearly Rate
Teenagers $2,684
20s $1,297
30s $1,179
40s $1,157
50s $1,112
60s $1,113
70s $1,184
 

Learn more about the impact of age on auto insurance rates.

 

Fayetteville auto insurance rates by marital status and gender

 

Marital status and gender are contributing factors to car insurance rates in many cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Fayetteville pay $7 more than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Fayetteville, insurance rates for those who are widowed are more expensive than rates for those who are single.

Gender is another factor that can affect car insurance rates. However, in Fayetteville, female and male drivers pay the same amount, on average.

 
FAYETTEVILLE CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/Gender Average Annual Rate
Female $1,188
Male $1,188
Single $1,195
Married $1,195
Divorced $1,188
Widowed $1,188
 

Learn more about how gender and marital status have on car insurance rates.

 

Fayetteville car insurance costs by accident and violation history

 

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Two of the most costly citations to receive are DUI and reckless driving. Fayetteville drivers found guilty of reckless driving face insurance rate increases of $1,051 per year, compared to the citywide average. A DUI violation may lead to a $4,328 increase, while a citation for speeding leads to a $623 rate hike.

 
FAYETTEVILLE CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/Incident Average Annual Rate
DUI/DWI $5,516
Reckless Driving $2,239
At-fault Accident (damages less than $1,000) $1,601
At-fault Accident (damages greater than $2,000) $1,956
Speeding Ticket (16-20 mph over speed limit) $1,811
 

Learn more about citations' impact on your auto insurance rates.

 

Fayetteville car insurance costs by credit score

 

One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. Fayetteville drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 42% on their car insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" bucket is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Fayetteville, improving your credit to "Fair" corresponds with a $518 decrease in annual car insurance rates.

 
FAYETTEVILLE AUTO INSURANCE RATES BY CREDIT LEVEL
Credit Score Average Annual Rate
Very Poor $1,902
Fair $1,384
Good $1,188
Very Good $1,151
Exceptional $1,099
 

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

Find an affordable policy today.

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Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.