Best Car Insurance Rates in Fayetteville, North Carolina

On average your neighbors pay $54 a month.

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Compare Auto Insurance in Fayetteville

Fayetteville, North Carolina is known as the home of Fort Bragg. If you’re looking for more affordable car insurance in Fayetteville, QuoteWizard can help.

Average Fayetteville Insurance Rates

How much is car insurance in Fayetteville, NC? The low number of uninsured drivers helps keep rates low – much lower than the national average. Average car insurance in Fayetteville costs $655.37 per year. The national average price is $889.01.

Your rates may vary based on your zip code, claims history, credit score, and other factors.

North Carolina Average Annual Car Insurance Rates
Coverage Rates
Liability $359.42
Collision $293.59
Comprehensive $136.08
Total Cost Per Year $655.37
Price Per Month $54.61
Source: Facts + Statistics: Auto insurance

The graph below shows average North Carolina insurance rates from 2011 to 2015, the most recent data available. The Insurance Information Institute shows Fayetteville car insurance increased from $600 in 2011 to $655 in 2015. This is a jump of $55 dollars, or 9.22 percent.

North Carolina average car insurance rates

Buying car insurance in Fayetteville can be a long challenge. QuoteWizard help you compare rates and find the best deal.

Last year, 14,714 people used QuoteWizard to compare car insurance quotes in Fayetteville, NC from multiple companies to find the cheapest rates. Of them 2,135 were uninsured when they requested a quote.

Best Car Insurance Companies in Fayetteville, NC

These are the most popular car insurers reported by QuoteWizard users in Fayetteville, North carolina.

Top 10 Vehicles in Fayetteville

These are the most popular makes and models owned by Fayetteville, NC QuoteWizard users.

  1. Focus SE
  2. Ford F-150
  3. Nissan Altima 2.5/S
  4. Honda Accord EX/LX
  5. Ford Fusion SE
  6. Toyota Camry LE
  7. Ford Mustang
  8. Nissan Sentra S
  9. Hyundai Sonata SE
  10. Chevrolet Malibu
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Fayetteville, NC

Fayetteville, North Carolina requires all its drivers to carry minimum liability coverage. The minimum is 30/60/25. This means your policy must include: 

  • $30,000 Individual Bodily Injury Liability (BIL):
    The max amount paid for a person injured in a car accident.
  • $60,000 Total Bodily Injury Liability:
    The total amount paid for every person injured in a car accident.
  • $25,000 Property Damage Liability (PDL):
    The max amount paid for property damage caused by a car accident.

You are also required to have the following uninsured/underinsured coverage:

  • $30,000 uninsured/underinsured motorist bodily injury per person
  • $60,000 uninsured/underinsured property damage
  • $25,000 uninsured/underinsured motorist bodily injury per incident

Recommended Coverage Levels

Minimum coverage may look like a good deal, but not after an accident. This coverage doesn’t include collision or comprehensive coverage. If part of your accident isn’t insured, the price tag could be huge.

And it’s easy to exceed your liability limits after an accident. Given that, we recommend the following coverage: 

  • Individual Body Injury Liability: $100,000 
  • Total Bodily Injury Liability: $300,000 
  • Property Damage Liability: $100,000 

Fayetteville Drivers

Insurance is more expensive in areas with a history of accidents. How does Fayetteville fare?

QuoteWizard ranked state and city drivers from best to worst. According to our data, Alabama is the 28th worst state for driving.

Driving Conditions

Factors such as weather, road conditions, and traffic can affect your insurance rates. The riskier your driving conditions, the higher your premium can be.

Weather

Fayetteville weather can make for hazardous driving when it gets cold. Winter months there require a bit of planning. Freezing rain and sleet during these months lead to slick roads that can cause all sorts of accidents.

Road Conditions

TRIP reports that 34 percent of Fayetteville, North Carolina’s roads are in poor condition. Driving on bad roads costs drivers $464 a year in extra car operating costs.

Traffic Congestion

INRIX ranks Fayetteville 249th for worst traffic congestion in the United States. Fayetteville commuters spent an extra 7 hours driving due to traffic last year.

Moving Violations

Citations and at-fault accidents will affect your driving record. Car insurance for people with tickets and accidents is always more expensive. If you have too many citations, you may be a high-risk driver. That, in turn, can lead to policy cancellation.

Traffic Tickets

Fayetteville Police issued 30,067 traffic citations in 2015. Traffic tickets can lead to higher insurance rates.

Photo Enforcement

Fayetteville has started uses photo enforcement to regulate traffic offenses. Violators are fined $100 per infraction. This is a civil infraction and not reported to your insurer.

DUI and DWAI Arrests

A DUI can raise your insurance rates. Our study found that drivers with a DUI on their record pay an extra $830 per year for car insurance. In 2017 Fayetteville Police made 322 DWI arrests.

SR-22 DUI/DWAI Insurance

NC doesn’t require drivers to file an SR-22 for minimum car insurance. However, if you have an SR-22 in another state you must complete it.

Car Accident Statistics

Drivers pay more for insurance in areas with high accident rates. In 2017, Fayetteville police reported 9,808 crashes

Traffic Fatalities

Fayetteville reported 21 traffic-related deaths in 2017. This is down from 45 crash fatalities in 2016.

Vehicle Theft Rates

Drivers in high car theft areas pay more for car insurance. Fayetteville Police reported 425 auto thefts in 2017. This is an 8.6 percent increase from 391 auto thefts in 2016

Save With Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower insurance rates. These are some of the many auto insurance discounts Fayetteville drivers can use. Get a quote and find out which discounts you qualify for.

Looking for ways to get a discount? Fayetteville drivers have many options:

  1. If you’re 55 or over, see if a senior citizens discount is available 
  2. Drop your comprehensive coverage
  3. Shop around and compare car insurance rates in Fayetteville.
  4. There are discount rates for active and retired members of the Military, National Guard, or Reserves
  5. If you’re a safe driver with a clean record, that can add up to lower rates add up to lower rates
  6. Have more than one car? Look into a multiple car discount
  7. If you live in a safe neighborhood in Fayetteville, you could save money 
  8. Make sure your car as up-to-date safety features and anti-theft devices
  9. Bundle your car insurance with your home or renters insurance, you can cut up to 15 percent off your total bill 
  10. Take a certified defensive driving course 

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