Fayetteville, NC Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Fayetteville.
How much does car insurance cost in Fayetteville?
The average car insurance rate in Fayetteville is $594 per six-months. That's more than the average across North Carolina ($477) and less expensive than the national average of $880. Keep reading to learn more about how much you can expect to pay based on age, credit score, and other factors in Fayetteville. Read on to learn more!
| Car insurance in Fayetteville vs. North Carolina | Average 6 Mo. Premium |
|---|---|
| Fayetteville average | $594 |
| North Carolina average | $477 |
The Zebra's key takeaways about car insurance in Fayetteville:
- The average cost of a car insurance policy in Fayetteville is $594 per six-month policy — $99 per month.
- The cheapest company in Fayetteville is GEICO ($281).
- 35% of Zebra customers in Fayetteville stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Fayetteville car insurance rates 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.
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $281 |
| North Carolina Farm Bureau | $479 |
| Erie | $492 |
| State Farm | $556 |
| Nationwide | $678 |
Auto insurance data methodology
The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.
In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Fayetteville.
Fayetteville auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 34% of Fayetteville drivers. The age group that enjoys the lowest auto insurance rates in Fayetteville are drivers in their 50s, who pay an average of $556 per six-months. Drivers in their 60s don't pay much more ($556).
Teenage 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.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $1,342 |
| 20s | $648 |
| 30s | $589 |
| 40s | $578 |
| 50s | $556 |
| 60s | $556 |
| 70s | $592 |
Fayetteville car insurance rates 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 $259 decrease in annual car insurance rates. Our data tells us 42% of drivers in Fayetteville have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $951 |
| Fair | $692 |
| Good | $594 |
| Very Good | $575 |
| Exceptional | $549 |
Fayetteville car insurance costs by violationÂ
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.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DUI/DWI | $2,758 |
| Reckless Driving | $1,119 |
| At-fault Accident (damages less than $1,000) | $800 |
| At-fault Accident (damages greater than $2,000) | $978 |
| Speeding Ticket (16-20 mph over speed limit) | $905 |
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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 editorial 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.