Fayetteville Car Insurance

The Zebra
May 30, 2018

Car Insurance in Fayetteville

Fayetteville premiums exceed the state average by 31%, which is why the city is recognized for its expensive premiums. Keep some money in your pocket by following the tips below about how to save on car insurance in Fayetteville.

  • City Average: $1,136
  • State Average: $865
  • National Average: $1,427

Fayetteville Car Insurance by Age

The largest decrease in premiums for Fayetteville drivers happens when they reach their 20s. Once out of the teenage age bracket, drivers pay 53% less in premiums. In Fayetteville, turning 60 means a rise in premiums. Up until then, moving between age groups means decreasing prices. Looking across all age groups, drivers in their 50s tend to have the smallest car insurance payments. Their rates generally average $1,109. People in their 40s ($1,118) and 60s ($1,131) have premiums that aren't much higher. With typical rates of $2,480, teenage drivers are the ones who pay the most in car insurance premiums.

  • Teenagers: $2,480
  • 20s: $1,166
  • 30s: $1,133
  • 40s: $1,118
  • 50s: $1,109
  • 60s: $1,131
  • 70s: $1,183

Fayetteville Car Insurance by Accident or Violation History

Do you know the impact an accident or violation can have on your car insurance rates? In general, a DUI in Fayetteville will cost you 96% more in car insurance premiums versus the city average ($1,136). Reckless driving will also push your rates up, with typical rates of $4,897, which are 331% higher than the city average! Speeding 16-20mph above the speed limit can make insuring your vehicle more expensive. People with a speeding ticket on their record pay, on average, 52% more per year.

  • DUI: $2,224
  • Reckless Driving: $4,897
  • At-fault Accident (damages less than $1000): $1,574
  • At-fault Accident (damages greater than $2000): $1,742
  • Speeding Ticket (16-20 mph over speed limit): $1,724

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Fayetteville Car Insurance by Gender and Marital Status

In Fayetteville, many driver characteristics, including gender and marital status, can impact car insurance premiums. However, premiums for men and women generally only deviate slightly, with women paying more. Rates for those who are widowed or divorced are the same as rates for single individuals. In contrast, being married (as opposed to single) doesn't significantly change your premiums, it does cost you a small amount more per year.

  • Female: $1,140
  • Male: $1,136
  • Single: $1,136
  • Married: $1,142
  • Divorced: $1,136
  • Widowed: $1,136

Fayetteville Car Insurance by Credit Rating

For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums are $247 more per year. Drivers will see the greatest drop in premiums when they upgrade their credit from Good (670-739) to Very Good (740-799). That change can save them $88 per year.

  • Very Poor: $1,346
  • Fair: $1,302
  • Good: $1,238
  • Very Good: $1,150
  • Exceptional: $1,099