Cheapest Auto Insurance in Fayetteville, North Carolina (2025)
Progressive offers the cheapest car insurance in Fayetteville, with minimum-coverage policies as low as $70 per month.
Excellent
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Drivers in Fayetteville can expect to pay an average of $89 per month for car insurance. The city’s rates are higher than North Carolina’s average of $75 but lower than the national average of $143 per month.
Fayetteville is the sixth-largest city in the state, which may explain why its auto insurance rates are more expensive than in many other North Carolina cities.1 Rates vary across the board, though, so it’s important to compare car insurance quotes from multiple insurers to find the best rate.
Quick Facts
Progressive, Nationwide, and Erie are the cheapest car insurance companies for Fayetteville residents.
The average cost of liability-only coverage for Fayetteville drivers is $75 per month, while full coverage averages $103 monthly.
North Carolina requires drivers to carry uninsured motorist coverage.
Best and cheapest car insurance companies in Fayetteville
As you shop for a car insurance company, consider factors like your budget, coverage level choices, and driving record. Below are Insurify’s picks for the best car insurance companies in Fayetteville to help you start your search. Quotes are based on the monthly averages for North Carolina drivers.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for affordability: Erie
Best insurer for high-risk drivers: Direct Auto
Best insurer for discounts: GEICO
How to get the cheapest car insurance in Fayetteville
You’ll need to shop around to find the cheapest car insurance in Fayetteville. A few tips you can use to find the most affordable option for your unique situation include:
Look for discounts. Car insurance companies usually offer various discounts that can help you save money on an auto policy, such as good student and defensive driver discounts.
Bundle your home and auto insurance. If you pair your car insurance with homeowners, renters, or even life insurance, you could land a discount on your coverage.
Drive a safe vehicle. Insurers often offer discounts for vehicle safety features like airbags and driver assist technology.
Choose a higher deductible. A higher deductible means a lower premium. Just make sure you can afford to pay it out of pocket if you need to file a claim.
Keep a clean driving record. Drivers with clean records pay the lowest premiums. Do your best to drive responsibly and avoid traffic violations.
Shop around. Get quotes from at least three car insurance companies before buying a policy. Insurers weigh factors differently, so you may find cheaper rates for the same coverage from certain companies.
Cheapest liability-only car insurance in Fayetteville: Progressive
Per North Carolina law, drivers must purchase and maintain liability-only car insurance. A liability-only policy covers the other driver’s property damage and injury costs from an at-fault accident. Because liability insurance meets the state’s minimum requirements and offers no additional coverage, it’s usually the cheapest auto policy available. But because liability-only coverage won't pay to repair or replace your vehicle after an accident, it generally works best for drivers with older, less-expensive vehicles.
The cheapest insurer for liability-only car insurance in Fayetteville is Progressive, with an average premium of $70 per month. The table below outlines the cheapest liability-only policies for drivers in Fayetteville.
Cheapest full-coverage car insurance in Fayetteville: Nationwide
Full-coverage car insurance is optional in Fayetteville and typically consists of liability, collision, and comprehensive insurance. It's more expensive than liability-only policies, but if you have a loan or lease on your vehicle, your lender will require you to purchase it. This type of policy offers additional protection for vehicle damages, including for accidents you cause.
The cheapest insurer for full-coverage car insurance in Fayetteville is Nationwide, with an average cost of $81 per month. Here’s a look at the cheapest full-coverage car insurance rates in Fayetteville.
Car insurance requirements in North Carolina
North Carolina is an at-fault state for car insurance, which means your car insurance company will cover the other party’s property damage and injury costs if you cause an accident.
The state requires drivers to carry bodily injury liability coverage, property damage liability coverage, and uninsured motorist coverage, but you can purchase other coverage for extra protection. If you fail to show proof of insurance, you may face legal and financial consequences.3 The minimum requirement in North Carolina is for a driver's uninsured motorist coverage to equal their policy's bodily injury limit, but the coverage cannot exceed $1 million.2
The specific coverage limits required in the state increase on July 1, 2025. The table below reflects the change in requirements:
Coverage beyond North Carolina’s minimum liability requirements is optional for drivers in Fayetteville but can offer additional protection in certain situations. Here are several optional car insurance policies you might find worthwhile:
Cheapest car insurance for drivers with an incident
At-fault accidents, speeding tickets, and driving under the influence (DUI) convictions are examples of incidents that can result in higher car insurance rates. Because insurers consider them less risky, Fayetteville drivers with clean driving records usually land the cheapest rates. But that doesn’t mean drivers with blemishes on their records can’t find affordable insurance.
Cheapest car insurance for drivers with a speeding ticket: Progressive
Speeding can cause you to lose control of your vehicle and impair your ability to drive safely, so insurers often charge drivers with speeding tickets higher rates than drivers with clean records.
The cheapest insurer for drivers with a speeding ticket in Fayetteville is Progressive, with an average cost of $99 per month. Here’s what you can expect to pay for auto insurance with a speeding ticket compared to a clean driving record.
Cheapest car insurance for drivers with an at-fault accident: Nationwide
If you’re responsible for a car accident, car insurance companies will perceive you as a greater risk and, in turn, charge you higher premiums.
Nationwide has the cheapest rates for Fayetteville drivers with at-fault accidents on their records: $100 per month for liability-only coverage. The data below outlines the average cost of auto insurance if you’re in an accident.
Cheapest car insurance for drivers with a DUI: Erie
North Carolina takes DUIs very seriously and imposes severe consequences, like fines of up to $4,000 and jail time of up to two years.5 Insurers also see drivers with DUIs as very risky to insure and will either charge you extremely high rates or refuse to provide you coverage altogether.
Fayetteville drivers with a DUI on their record pay an overall average of $157 per month for car insurance. You’ll find the cheapest rates with Erie. The table below highlights other affordable insurers for Fayetteville drivers with DUIs.
Cheapest car insurance for seniors: Nationwide
Because age-related factors like mobility, vision, and cognitive issues can make senior drivers more likely to get into accidents than middle-aged drivers, they usually pay more expensive premiums. Average rates tend to decrease around age 25 and pick back up again around age 70, but seniors can still lock in affordable coverage.
Seniors in Fayetteville pay an average of $80 per month for car insurance. Nationwide offers the cheapest rates in the city. The table below shows some other cheap auto insurance companies for seniors in Fayetteville.
Cheapest car insurance for teens: Erie
Compared to older drivers, teen drivers have less experience on the road and face higher premiums as a result. They can save on a policy if they stay on their parents’ insurance, complete an approved defensive driving course, or take advantage of good student discounts.
Teen drivers in Fayetteville pay an average of $179 per month for car insurance. They’ll find the cheapest rates from Erie. The table below shows some of the cheapest monthly car insurance quotes for teens and young drivers in Fayetteville.
Fayetteville car insurance quotes by credit tier
North Carolina allows insurance companies to consider your credit history when underwriting policies. Auto insurance companies view drivers with good to excellent credit as less risky than drivers with poor credit, so they charge them lower premiums.5
The table below demonstrates average rates for drivers with different credit scores.
Is car insurance more expensive in Fayetteville?
Fayetteville drivers pay an average of $89 per month for car insurance, slightly less than the national average. However, it sits in the middle of the pack compared to other North Carolina cities. It’s more expensive than Asheville and Jacksonville but less expensive than cities like Chapel Hill and Wilmington.
More cities in North Carolina
Rates can even vary by ZIP code and city within North Carolina due to variations in population, crime rates, weather conditions, and several other factors. Here’s a look at the average quotes for both liability and full-coverage car insurance in other cities in North Carolina compared to Fayetteville.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Fayetteville car insurance FAQs
Finding the right car insurance can be challenging. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Fayetteville.
How much is car insurance in Fayetteville?
On average, car insurance in Fayetteville costs $103 per month for full coverage and $75 for liability-only insurance. But your exact premium will depend on factors like your location, driving record, age, gender, and credit score.
Which company has the cheapest car insurance in Fayetteville?
Progressive offers the cheapest car insurance rates in Fayetteville, starting at $70 for liability-only coverage. Fayetteville drivers can also find cheap rates from Nationwide and Erie, which have liability rates as low as $72 and $72, respectively.
What are the best car insurance companies in Fayetteville?
Many reliable insurers offer coverage in Fayetteville, but Erie, Direct Auto, and GEICO stand out as the best car insurance companies. Erie and GEICO both have Insurify Quality Scores above 4 (out of 5) and strong ratings from AM Best and J.D. Power. Direct Auto is the best option for high-risk Fayetteville drivers, offering policies for drivers with DUIs.
How much is the average car insurance per month in North Carolina?
Car insurance in North Carolina costs an average of $75 per month for car insurance. Drivers pay an average of $62 for liability coverage and $88 for full coverage.
What’s the bare minimum car insurance in North Carolina?
All North Carolina drivers must carry $30,000 per person and $60,000 per accident in bodily injury liability coverage, along with $25,000 per accident in property damage liability coverage. Drivers must also carry uninsured motorist coverage equal to their policy’s bodily injury liability limits but no greater than $1 million. On July 1, 2025, North Carolina coverage limits will increase to $50,000 per person and $100,000 per accident in bodily injury liability coverage and $50,000 per accident in property damage liability coverage.
)
Insurance Writer
)
)
){kind=small}
){kind=small}
){kind=small}
)
)
){kind=small}
)
)
