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Best Cheap Auto Insurance in Fayetteville, NC (2021)

Things to Remember

  • The cheapest Fayetteville, NC auto insurance company is Liberty Mutual
  • Fayetteville has short commute times and is not very congested
  • Average auto insurance in Fayetteville is higher than the state average but lower than the national average

Fayetteville, NC auto insurance can be higher than the North Carolina average, partly due to Fort Bragg. There are a large number of young male drivers in the area, which tends to raise rates.

There are many ways to save on your Fayetteville, North Carolina auto insurance, including shopping around, asking for discounts, and comparing rates. Keep reading to learn how to find cheap auto insurance in Fayetteville regardless of age, driving record, or credit history.

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Monthly Fayetteville, NC Car Insurance Rates by ZIP Code

Find more info about the monthly Fayetteville, NC car insurance rates by ZIP Code below:

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Fayetteville, NC Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Fayetteville, NC against other top US metro areas’ auto insurance rates.

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Enter your ZIP code now to compare Fayetteville, NC auto insurance quotes.

What is the cheapest auto insurance company in Fayetteville, NC?

Liberty Mutual has the lowest auto insurance in Fayetteville, NC based on average rates.

The cheapest Fayetteville, NC auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average North Carolina auto insurance company rates?” We cover that as well.

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These are the top Fayetteville, NC auto insurance companies ranked from cheapest to most expensive:

  • Liberty Mutual – $2,815.72
  • Progressive – $3,122.13
  • GEICO – $3,364.58
  • Nationwide – $3,754.57
  • State Farm – $3,926.88
  • Travelers – $4,040.19
  • Allstate – $9,007.01

There are many different factors that affect your auto insurance rates. Your age, gender, marital status, credit score, where you live, and driving history can all be used to determine how much you pay.

Young male drivers tend to pay the most in auto insurance, which contributes to the high rates in Fayetteville.

Each company will offer different prices, so compare multiple companies to find affordable Fayetteville, NC auto insurance.

Fayetteville, North Carolina auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a significant role in your Fayetteville, NC auto insurance rates. Find the cheapest Fayetteville, NC auto insurance rates by coverage level below:

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Your credit score will play a major role in your Fayetteville, NC auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Fayetteville, North Carolina auto insurance rates by credit score below.

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Your driving record will affect your Fayetteville auto insurance rates. For example, a Fayetteville, NC DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Fayetteville, North Carolina auto insurance rates by driving record.

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Factors affecting auto insurance rates in Fayetteville, NC may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Fayetteville, North Carolina auto insurance.

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These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Fayetteville. North Carolina does not use gender, so check out the average monthly auto insurance rates by age and gender in Fayetteville, NC.

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What auto insurance coverage is required in Fayetteville, NC?

In order to drive in North Carolina, drivers have to carry a minimum level of auto insurance.

The minimum amount of car insurance NC drivers have to carry is:

  • $30,000 per person and $60,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

Although carrying these amounts of coverage will allow you to drive legally, you can see that you would exhaust those limits fairly quickly in a serious accident.

It’s recommended that you carry more than the bare minimum auto insurance to keep accident costs as low as possible.

What affects auto insurance rates in Fayetteville, NC?

Traffic in Fayetteville isn’t that bad. Drivers don’t have long wait times on a daily basis.

INRIX ranks Fayetteville as the 191st most congested city in the country, which is great news for drivers.

According to City-Data, the average commute time for Fayetteville drivers is under 20 minutes.

There is public transportation available in Fayetteville, but most people drive their own cars.

Auto theft can also affect your car insurance rates. Auto insurance companies will charge more in cities that experience a large number of thefts. According to the FBI, there were 415 vehicle thefts in 2017, the last year data is available.

Fayetteville, NC Auto Insurance: The Bottom Line

Although Fayetteville, NC auto insurance rates are higher than the state average, they are still much lower than normally seen across the country.

Before you buy Fayetteville, NC auto insurance, enter your ZIP code to compare quotes from top companies.

References:

  1. https://inrix.com/scorecard-city/?city=Fayetteville%2C%20NC&index=827
  2. https://www.city-data.com/city/Fayetteville-North-Carolina.html
  3. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/north-carolina.xls

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