Fayetteville, NC Car Insurance

Learn more about how to find affordable insurance in Fayetteville.

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

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 AverageNational 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 CompanyAverage 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
AgeAverage 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/GenderAverage 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/IncidentAverage 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 ScoreAverage 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.

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.
Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including BestCompany.com and USInsuranceAgents.com.