Cheapest Car Insurance Quotes in Fayetteville

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Fayetteville Car Insurance

^$ 35

/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 $962 for a six-month policy, which is $133 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $476, 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

$962

Avg. Car Insurance in North Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Fayetteville

1st place: Erie

At $476 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $579 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $654 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, NC is Erie, offering policies at just $476 for a six-month term. This is followed by Progressive, which has an average six-month premium of $579.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1764 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, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$476	$80
Progressive	$579	$97
State Farm	$654	$110
North Carolina Farm Bureau	$757	$128
Travelers	$882	$147
Farm Bureau	$951	$161
Nationwide	$1020	$172
Farmers	$1082	$182
Kemper	$1453	$242
Allstate	$1764	$297

Key Takeaways

Way's key takeaways about car insurance in Fayetteville

The auto insurance costs in Fayetteville fall around $476 for six months.
The cheapest auto insurance company in Fayetteville is Erie.
Teen drivers pay the highest rate in Fayetteville at $604 per month.

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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.

Erie provides the cheapest minimum car insurance coverage in Fayetteville. Their Average 6 Month Premium is $206. Allstate is the most expensive at $654 for the same period.

Cheapest Liability Coverage in Fayetteville, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$206	$35
State Farm	$276	$46
Progressive	$296	$50
North Carolina Farm Bureau	$324	$55
Travelers	$386	$64
Farm Bureau	$393	$67
Nationwide	$400	$67
Farmers	$413	$71
National General	$420	$70
Penn National	$455	$78
Allstate	$654	$110

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 Erie at $80 per month and $476 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fayetteville, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$476	$80
Progressive	$579	$97
State Farm	$654	$110
North Carolina Farm Bureau	$757	$128
Travelers	$882	$147
Farm Bureau	$951	$161
Nationwide	$1020	$172
Farmers	$1082	$182
Kemper	$1453	$242
Allstate	$1764	$297

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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, NC increasing?

Despite maintaining a clean driving record, your car insurance rates in Fayetteville, North Carolina, may be increasing due to several external factors. North Carolina 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

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Cheapest Car Insurance Rates for Teen Drivers in Fayetteville,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Fayetteville at $102 per month. At $3624 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$607	$102
State Farm	$785	$132
Erie	$792	$133
North Carolina Farm Bureau	$1385	$233
Nationwide	$2997	$509
Allstate	$3624	$604

Teen Car Insurance Rates in NC by Age

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, North Carolina Farm Bureau is the cheapest car insurance provider. At $206 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 Allstate, offering rates of around $4183 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$206	$35
Erie	$234	$39
National General	$358	$61
Progressive	$420	$71
Nationwide	$778	$131
Farmers	$841	$140
Travelers	$1199	$204
Farm Bureau	$1357	$226
State Farm	$1695	$285
Allstate	$4183	$697

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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, NC, 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 Progressive and Erie, offering $621 and $633, respectively. Allstate is an expensive provider with an average six-month premium of $3279.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$621	$104
Erie	$633	$107
State Farm	$696	$117
North Carolina Farm Bureau	$909	$153
Farmers	$1317	$219
Farm Bureau	$1488	$253
Nationwide	$1495	$252
Travelers	$1578	$268
Allstate	$3279	$552

Fayetteville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fayetteville NC. For example, the car insurance in Fayetteville after a DUI increases to $2144 for a six month policy. While the rate increases by $255 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	$661	$110
One Med/PIP claim	$661	$113
Not-at-fault accident	$668	$111
One comp claim	$682	$116
Two Med/PIP claims	$682	$114
Two comp claims	$703	$119
Failure to show documents	$778	$130
Child safety restraint	$862	$146
Driving without lights	$862	$144
Failure to wear a seat belt	$862	$146
Cell phone violation	$909	$152
Texting while driving	$909	$154
Speeding 6 - 10 MPH over limit	$916	$153
Driving with expired registration	$923	$157
Driving too slowly	$937	$157
Failure to stop at a red light	$937	$159
Failure to yield	$937	$157
Illegal turn	$937	$159
Open container	$937	$157
Operating a vehicle without permission	$937	$159
Wrong way/wrong lane	$937	$157
Speeding in school zone	$944	$160
At-fault accident - $1000-$2000	$951	$159
At-fault accident - less than $1000	$951	$161
In 65 MPH zone	$1006	$168
Speeding 11 - 15 MPH over limit	$1006	$171
Speeding 16 - 20 MPH over limit	$1006	$168
Speeding 21 - 25 MPH over limit	$1006	$171
Improper passing	$1027	$172
Following too closely	$1034	$176
At-fault accident - greater than $2000	$1109	$184
Passing school bus	$1261	$215
Reckless driving	$1275	$212
Driving with a suspended license	$1971	$335
Leaving scene of an accident/hit and run	$2770	$462
Refusal to submit to a chemical test	$2798	$476
DUI	$2805	$467
Racing	$2852	$485

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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 National General at $476 for a six-month policy. However, it can be as expensive as $7600 with companies like Allstate.

Fayetteville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$476	$81
Progressive	$1612	$271
Erie	$1750	$295
State Farm	$1778	$299
Farmers	$3149	$536
Travelers	$3293	$549
Nationwide	$3521	$593
North Carolina Farm Bureau	$3734	$629
Farm Bureau	$5471	$930
Allstate	$7600	$1279

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 North Carolina Farm Bureau at $220. However, it can be as expensive as $2707 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fayetteville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$220	$37
Erie	$269	$45
National General	$462	$79
State Farm	$544	$92
Progressive	$572	$96
Nationwide	$1020	$172
Farmers	$1116	$190
Farm Bureau	$1254	$209
Travelers	$1357	$231
Allstate	$2707	$451

Car Insurance Price Trends in Fayetteville, North Carolina

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 $138 in January compared to $132 of December. In other words, there has been an increase by $6 when you compare January and December.

The average cost of liability insurance in the Fayetteville dipped to $61 in January, compared to $64 in December. This represents an decrease of $3 when comparing January and December.

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Average Car Insurance Cost in Fayetteville by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Fayetteville. At $1038 for a six-month policy, insuring your car at 28312 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
28312	$1038	$174
28301	$1019	$170
28311	$1096	$183
28305	$980	$164
28306	$1125	$188
28314	$1182	$198
28303	$1077	$180
28304	$1096	$183

Frequently Asked Questions

How much is car insurance in Fayetteville?

The car insurance in Fayetteville is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Fayetteville?

The cheapest car insurance in Fayetteville is $80 per month for full coverage.

How much is car insurance in Fayetteville for teenagers?

Car insurance for teenagers costs $607 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 $829 for a six-month policy. It will cost around $161 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 North Carolina

National Average

Cheapest Car Insurance Companies in Fayetteville

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Fayetteville Car Insurance Rates by Company

Cheap Car Insurance Companies in Fayetteville, NC

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, NC

Cheapest Full Coverage Car Insurance in Fayetteville

Cheapest Full Coverage Car Insurance Quotes in Fayetteville, NC

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, NC 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,NC

If you are in your twenties N/A 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, North Carolina

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, NC

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

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Data Sources