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 auto insurance in North Carolina 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.
|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.
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.
Best Car Insurance Companies in Fayetteville, NC
These are the most popular car insurers reported by QuoteWizard users in Fayetteville, North carolina. Of them 2,135 were uninsured when they requested a quote.
Top 10 Vehicles
These are the most popular makes and models owned by Fayetteville, NC QuoteWizard users.
- Focus SE
- Ford F-150
- Nissan Altima 2.5/S
- Honda Accord EX/LX
- Ford Fusion SE
- Toyota Camry LE
- Ford Mustang
- Nissan Sentra S
- Hyundai Sonata SE
- Chevrolet Malibu
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
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.
Factors such as weather, road conditions, and traffic can affect your insurance rates. The riskier your driving conditions, the higher your premium can be.
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.
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.
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.
Citations and at-fault accidents will affect your driving record. Car insurance for the worst drivers, the ones with lots of tickets or accidents, is always more expensive.
Fayetteville Police issued 30,067 traffic citations in 2015. Traffic tickets can lead to higher insurance rates.
DUI and DWAI 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.
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
Car Insurance Discounts
Are you looking for affordable car insurance? Discounts are one of the best ways to lower rates. These are some of the many discounts Fayetteville, NC drivers can use.
Looking for ways to get a discount? Fayetteville drivers have many options:
- If you’re 55 or over, see if a senior citizens discount is available
- There are discount rates for active and retired members of the Military, National Guard, or Reserves
- If you live in a safe neighborhood in Fayetteville, you could save money
- Make sure your car as up-to-date safety features and anti-theft devices
- Bundle your car insurance with your home or renters insurance, you can cut up to 20 percent off your total bill
- Take a certified defensive driving course
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