Cheapest Car Insurance Quotes in Fayetteville

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Fayetteville Car Insurance

^$ 43

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Fayetteville

The car insurance rate in Fayetteville is $1190 for a six-month policy, which is $164 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $434, making it a popular choice for budget-conscious drivers. Rates in Fayetteville can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Fayetteville

$1190

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Fayetteville

1st place: Country Financial

At $434 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $572 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farm Bureau

Farm Bureau offers auto insurance rates at $764 for six months, making it the third cheapest auto insurance company in Fayetteville.

Fayetteville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fayetteville, GA is Country Financial, offering policies at just $434 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $572.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1667 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fayetteville drivers find the best deals.

Cheap Car Insurance Companies in Fayetteville, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$434	$74
Auto-Owners Insurance Co	$572	$95
Farm Bureau	$764	$130
Georgia Farm Bureau	$841	$140
Auto-Owners	$1226	$206
USAA	$1268	$213
Progressive	$1495	$252
Mercury	$1544	$258
Allstate	$1626	$274
Esurance P&C Ins Co	$1661	$277
State Farm	$1667	$281

Key Takeaways

Way's key takeaways about car insurance in Fayetteville

The auto insurance costs in Fayetteville fall around $434 for six months.
The cheapest auto insurance company in Fayetteville is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Fayetteville at $1427 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Fayetteville

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Fayetteville are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Fayetteville. Their Average 6 Month Premium is $255. Allstate is the most expensive at $875 for the same period.

Cheapest Liability Coverage in Fayetteville, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$255	$43
Farm Bureau	$324	$55
Georgia Farm Bureau	$345	$58
Auto-Owners	$413	$70
Mercury	$413	$70
Country Financial	$441	$74
USAA	$462	$78
Progressive	$510	$86
Central Insurance	$537	$89
State Farm	$792	$133
Allstate	$875	$147

Cheapest Full Coverage Car Insurance in Fayetteville

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Fayetteville is Country Financial at $74 per month and $434 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fayetteville, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$434	$74
Auto-Owners Insurance Co	$572	$95
Farm Bureau	$764	$130
Georgia Farm Bureau	$841	$140
Auto-Owners	$1226	$206
USAA	$1268	$213
Progressive	$1495	$252
Mercury	$1544	$258
Allstate	$1626	$274
Esurance P&C Ins Co	$1661	$277
State Farm	$1667	$281

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Average Car Insurance in Fayetteville by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Fayetteville, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Fayetteville, Georgia, may be increasing due to several external factors. Georgia has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Fayetteville's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Fayetteville

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Georgia Farm Bureau	$824
30s	Georgia Farm Bureau	$659
40s	Georgia Farm Bureau	$632
50s	Georgia Farm Bureau	$606
60s	Georgia Farm Bureau	$601
70s	Georgia Farm Bureau	$727

Cheapest Car Insurance Rates for Teen Drivers in Fayetteville,GA

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Fayetteville at $60 per month. At $8475 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$365	$60
Mercury	$434	$74
Country Financial	$517	$87
Central Insurance	$537	$92
USAA	$2039	$343
Auto-Owners	$2240	$377
Georgia Farm Bureau	$2336	$390
Farm Bureau	$2439	$415
State Farm	$6042	$1017
Allstate	$6077	$1023
Progressive	$8475	$1427

Teen Car Insurance Rates in GA by Age

Way Tip

If you are in your twenties Georgia Farm Bureau is the best choice for car insurance in Fayetteville.

As young drivers face the highest rates in Fayetteville, Georgia Farm Bureau offers the cheapest auto insurance rates at $824 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Fayetteville, Country Financial is the cheapest car insurance provider. At $358 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Fayetteville is State Farm, offering rates of around $5203 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$358	$59
Mercury	$420	$72
Farm Bureau	$764	$128
USAA	$1661	$282
Progressive	$2564	$427
Auto-Owners	$2695	$458
Allstate	$2935	$490
State Farm	$5203	$885

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Save up to $971/yr on car insurance rates in Fayetteville.

Car Insurance Rates with An Accident in Fayetteville

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Fayetteville, GA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Fayetteville

The cheapest car insurance companies after an at-fault accident in Fayetteville include AutoOwners Insurance Co and Country Financial, offering $379 and $586, respectively. Allstate is an expensive provider with an average six-month premium of $2494.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$379	$63
Country Financial	$586	$99
Encompass	$647	$108
Central Insurance	$710	$121
Farm Bureau	$841	$140
Georgia Farm Bureau	$1034	$176
Auto-Owners	$1047	$176
USAA	$1123	$189
Progressive	$2074	$349
State Farm	$2102	$354
Allstate	$2494	$420

Fayetteville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fayetteville GA. For example, the car insurance in Fayetteville after a DUI increases to $1254 for a six month policy. While the rate increases by $394 for a six-month policy in the case of a speeding ticket.

Fayetteville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1474	$246
One Med/PIP claim	$1474	$251
One comp claim	$1481	$247
Two Med/PIP claims	$1481	$252
Not-at-fault accident	$1488	$248
Two comp claims	$1509	$256
Driving without lights	$1778	$296
Failure to wear a seat belt	$1778	$303
Child safety restraint	$1798	$299
Failure to show documents	$1798	$306
Cell phone violation	$1840	$306
Texting while driving	$1840	$313
Driving too slowly	$1868	$311
Speeding 6 - 10 MPH over limit	$1868	$318
Speeding in school zone	$1868	$311
Speeding 11 - 15 MPH over limit	$1875	$319
Driving with expired registration	$1882	$313
Failure to yield	$1882	$320
Following too closely	$1882	$313
Illegal turn	$1882	$320
Failure to stop at a red light	$1888	$314
Improper passing	$1888	$321
Speeding 16 - 20 MPH over limit	$1888	$314
Wrong way/wrong lane	$1888	$321
Speeding 21 - 25 MPH over limit	$1908	$318
Passing school bus	$1943	$331
In 65 MPH zone	$1950	$325
Open container	$1978	$336
At-fault accident - less than $1000	$1985	$331
Operating a vehicle without permission	$2011	$342
At-fault accident - $1000-$2000	$2163	$361
At-fault accident - greater than $2000	$2177	$370
Refusal to submit to a chemical test	$2550	$425
Reckless driving	$2625	$447
Racing	$2688	$448
Driving with a suspended license	$2695	$458
DUI	$2728	$455
Leaving scene of an accident/hit and run	$2798	$476

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Fayetteville after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Fayetteville.

The cheapest car insurance premiums in Fayetteville are offered by Mercury at $441 for a six-month policy. However, it can be as expensive as $1985 with companies like Progressive.

Fayetteville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$441	$75
Auto-Owners Insurance Co	$572	$95
Country Financial	$621	$104
Esurance P&C Ins Co	$855	$143
Auto-Owners	$1364	$230
Farm Bureau	$1481	$247
USAA	$1605	$270
Georgia Farm Bureau	$1661	$277
State Farm	$1798	$303
Allstate	$1901	$320
Progressive	$1985	$334

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Fayetteville are offered by AutoOwners Insurance Co at $296. However, it can be as expensive as $2253 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Fayetteville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$296	$50
Country Financial	$324	$55
Mercury	$462	$79
Farm Bureau	$841	$140
Auto-Owners	$1027	$174
USAA	$1116	$186
State Farm	$1460	$248
Allstate	$1985	$331
Progressive	$2253	$383

Car Insurance Price Trends in Fayetteville, Georgia

Car insurance rates in Fayetteville have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Fayetteville rose by $261 in December compared to $256 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Fayetteville rose to $84 in December, compared to $79 in November. This represents an increase of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Fayetteville?

The car insurance in Fayetteville is $43 per month, which is lower than the national average.

What is the cheapest car insurance in Fayetteville?

The cheapest car insurance in Fayetteville is $74 per month for full coverage.

How much is car insurance in Fayetteville for teenagers?

Car insurance for teenagers costs $365 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Fayetteville?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $200 per month to insure your car in Fayetteville.

Is car insurance expensive in Fayetteville?

Car insurance can be expensive in Fayetteville if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Fayetteville can be affordable.

Cheapest Car Insurance Quotes in Fayetteville

Why you can trust Way?

How Much Is Car Insurance in Fayetteville

Avg. Car Insurance in Fayetteville

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Fayetteville

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Fayetteville Car Insurance Rates by Company

Cheap Car Insurance Companies in Fayetteville, GA

Way's key takeaways about car insurance in Fayetteville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fayetteville

Cheapest Liability Coverage in Fayetteville, GA

Cheapest Full Coverage Car Insurance in Fayetteville

Cheapest Full Coverage Car Insurance Quotes in Fayetteville, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fayetteville by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Fayetteville, GA increasing?

Car Insurance Premiums by Age in Fayetteville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fayetteville,GA

If you are in your twenties Georgia Farm Bureau is the best choice for car insurance in Fayetteville.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Fayetteville

Cheapest Car Insurance Companies after an At-Fault Accident in Fayetteville

Fayetteville Car Insurance Rates by Violation

Fayetteville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fayetteville after a DUI

Fayetteville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fayetteville after Speeding ticket

Car Insurance Price Trends in Fayetteville, Georgia

Average Car Insurance Cost in Fayetteville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fayetteville, GA

Car Insurance Rates by State in the USA (2025 Update)

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