The best car insurance in Fayetteville, NC

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By

Ed Zuccarelli

Ed Zuccarelli

Freelance contributor

Ed Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.

&Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Updated|3 min read

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The average cost of a full car coverage car insurance policy in Fayetteville is $1,682, significantly higher than the North Carolina state average of $1,009. Bigger cities, with their busy streets and higher repair costs, often mean higher rates for car insurance.

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But drivers in Fayetteville can still save on coverage — the best way to make sure you’re not overpaying is to compare quotes from different companies before you buy. Policygenius makes it easy to compare rates from top car insurance companies so you can choose the option that’s best for your needs (and your wallet).

Key takeaways

  • North Carolina requires at least $30,000 per person and $60,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage

  • GEICO offers the lowest rates in Fayetteville, at an average of $744 for full coverage

  • Each car insurance company uses different standards when setting rates, so comparing options from multiple companies will help you get the best deal

Cheapest car insurance companies in Fayetteville, NC

Insurance companies consider lots of different factors when determining your car insurance rates. Some of these are out of your control, like your age and gender, but there are some you can improve over time, like your driving history or credit score. The cheapest company for one driver isn’t always the cheapest for another, which is why you should always take time to compare quotes before you buy a policy.

Company

Average cost

JD Power Rating

GEICO

$744

871

Erie

$928

880

North Carolina Farm Bureau

$943

--

State Farm

$1,003

881

Utica National

$1,054

--

Cheapest car insurance rates by ZIP code in Fayetteville, NC

Insurance rates can vary from neighborhood to neighborhood. Suburban areas with fewer cars on the roads will have lower rates than denser neighborhoods with busier streets. Crime rate, the number of claims and even repair costs in a given area can make car insurance more expensive.

ZIP code

Average cost

28301

$1,237

28303

$1,228

28304

$1,230

28305

$1,230

28306

$1,222

28310

$1,224

28311

$1,230

28312

$1,048

28314

$1,232

Choosing the right car insurance company in Fayetteville, NC

Since car insurance rates are based on so many personal factors, like your age, driving record, credit score and ZIP code, the right car insurance company is different for every driver. The best way to find the right policy for you is to shop around and compare quotes.

Policygenius can help you easily see your options by showing you quotes from top companies, so you can feel confident in your choice.

Car insurance rates for drivers with driving violations in Fayetteville, NC

Insurance companies consider drivers with multiple accidents, moving violations, and claims on their record as higher insurance risks, and they will set higher rates accordingly. The best way to avoid these increased rates is to be a safe and careful driver, but if you do have a poor driving record, it’s all the more important to compare quotes when shopping for a policy.

Violation

GEICO

Erie

North Carolina Farm Bureau

State Farm

Utica National

At-fault accident

$2,090

$1,004

$1,620

$1,839

$2,076

DUI

$5,824

$4,253

$4,070

$4,736

$6,227

Suspended license

$3,548

$2,914

$2,798

$2,883

$4,138

Open container

$1,406

$1,386

$1,348

$1,505

$1,537

Expired registration

$1,406

$1,386

$1,348

$1,369

$1,537

Driving without lights

$1,406

$1,386

$1,348

$1,369

$1,537

Not showing documents

$1,406

$1,386

$1,348

$1,369

$1,537

Running a red light

$1,406

$1,386

$1,348

$1,505

$1,537

Failure to yield

$1,406

$1,386

$1,348

$1,505

$1,537

Following too closely

$1,570

$1,530

$1,484

$1,672

$1,752

Hit and run

$5,596

$4,253

$6,265

$4,736

$5,999

Illegal turn

$1,406

$1,386

$1,348

$1,505

$1,537

Improper passing

$1,570

$1,530

$1,484

$1,672

$1,537

Not-at-fault accident

$763

$955

$984

$1,066

$1,212

Passing a school bus

$2,051

$1,865

$1,802

$1,951

$2,483

Racing

$5,824

$4,253

$6,265

$4,736

$5,999

Reckless driving

$2,330

$1,865

$1,802

$1,951

$2,483

Speeding

$1,570

$1,530

$1,484

$1,672

$1,331

Cheapest car insurance for drivers with bad credit in Fayetteville, NC

Companies also consider your credit score when setting rates, and a lower score typically means you’ll pay more for car insurance. Not all states allow credit to be a factor in setting rates, but North Carolina does, which means drivers with poor credit should be sure to take time to shop around and find the most affordable coverage they can.

Company

Rates for drivers with bad credit

National General

$1,190

GEICO

$1,234

Erie

$1,283

MetLife

$1,391

Penn National

$1,392

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Buying car insurance in Fayetteville, NC

All drivers in North Carolina must have at least the minimum amount of coverage required in the state, but most drivers will need higher coverage amounts in order to be fully protected. The minimum amounts required by law are:

  • Bodily injury liability coverage per person: $30,000

  • Bodily injury liability coverage per accident: $60,000

  • Property damage liability coverage: $25,000

North Carolina is an at-fault state when it comes to car accidents. That means that whenever two or more cars are in an accident, the driver who was at-fault is responsible for covering the costs of any damage or injuries to the other drivers — that’s what liability coverage is for, and that’s why it’s a good idea to set your liability coverage limits much higher than the state minimum requirements.

How to get cheap car insurance in Fayetteville, NC

Shopping for car insurance doesn’t have to be confusing. Here are some simple tricks for finding the cheapest coverage:

  • Compare quotes between companies before you buy, so you don’t miss out on the most affordable coverage 

  • Discounts can make a real difference. Know what’s available, like discounts for being a safe driver, paying your premium in full, and for having a child away at college without a car 

  • Own a home or rent? Purchasing a home or renters policy from the same insurance company as your car insurance can save you money on both policies.

  • Reshop before renewing your policy, since your situation may have changed, or rates have changed between companies.

Frequently asked questions

Is car insurance mandatory in North Carolina?

Yes. Every North Carolina driver needs to have at least the minimum coverage amount required by law. But most drivers need significantly more coverage than the state minimums in order to be fully protected.

Is North Carolina a no-fault state or an at-fault state?

North Carolina is an at-fault state, which means the insurance of the driver who is at-fault for an accident will pay for any property damage or medical expenses caused by the accident.

Does North Carolina require car insurance?

Yes, the law in North Carolina requires drivers to have a minimum of $30,000 for bodily injury per person, $60,000 per accident, and $25,000 for property damage liability per accident.

How much is car insurance per month in North Carolina?

Drivers in North Carolina pay an average of $1,009 per year for car insurance, which breaks down to $84.08 per month. Drivers in Fayetteville pay an average of $140.17 per month, which is $56.09 higher than the state average.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Authors

Freelance contributor

Ed Zuccarelli

Freelance contributor

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Ed Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

gray linkedin icon link

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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