Cheapest Car Insurance Companies in Fayetteville, North Carolina (2023)

North Carolina Farm Bureau is the cheapest car insurance company in Fayetteville at $73 a month for full coverage.

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Key Takeaways

  • North Carolina Farm Bureau is the cheapest car insurance company for most drivers in Fayetteville.
  • State Farm has the city’s cheapest car insurance rates for young drivers.
  • Car insurance rates in Fayetteville are higher than the state averages for minimum coverage ($50 a month vs. $44) and full coverage ($97 vs. $86).

In this article

The cheapest car insurance companies in Fayetteville, North Carolina

North Carolina Farm Bureau offers the cheapest car insurance for most drivers in Fayetteville.

According to our survey of providers, North Carolina Farm Bureau has Fayetteville’s:

  • Cheapest car insurance for drivers with clean records
  • Cheapest car insurance for drivers with prior speeding tickets, accidents or DUIs
  • Cheapest car insurance for senior drivers

For minimum-coverage car insurance, North Carolina Farm Bureau charges an average of $38 a month. For full coverage, the provider charges $73.

Meanwhile, State Farm has the best car insurance rates for teen drivers, charging just $80 a month for minimum coverage. Overall, State Farm and Erie present affordable alternatives for most drivers in Fayetteville.

To find the best rates no matter your age and for any amount of coverage, compare auto insurance quotes from several companies. 

North Carolina car insurance minimums

All drivers in North Carolina are required to hold liability auto insurance for bodily injury and property damage. Those policies must include at least:

  • $30,000 in bodily injury per person in an accident
  • $60,000 in bodily injury for all people in an accident
  • $25,000 for property damage caused by an accident

Cheapest minimum-coverage auto insurance rates in Fayetteville: North Carolina Farm Bureau

North Carolina Farm Bureau has the most affordable minimum-coverage car insurance for Fayetteville drivers. It charges customers an average monthly rate of $38 for this amount of coverage.

State Farm, Allied and Erie are also strong options, as all three offer rates at or below the average citywide cost of $50 a month.

Insurance company Monthly rate
North Carolina Farm Bureau $38
State Farm $45
Allied $46
Erie $50
City average $50
Progressive $56
GEICO $56
Nationwide $57
Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record.

Minimum car insurance refers to a policy that features only those coverages required by a driver’s state laws.

Like North Carolina, nearly all states require liability coverage for bodily injury and property damage, although some also require personal injury protection (PIP) or uninsured motorist coverage.

Get cheap car insurance in Fayetteville

Cheapest full-coverage auto insurance rates in Fayetteville: North Carolina Farm Bureau

For cheap full-coverage car insurance, drivers in Fayetteville should turn to North Carolina Farm Bureau. The provider charges an average of $73 per month — almost $25 less than the citywide average.

Again, State Farm and Erie present strong alternatives, charging monthly rates of $77 and $92, respectively, for full coverage.

Insurance company Monthly rate
North Carolina Farm Bureau $73
State Farm $77
Erie $92
City average $97
Allied $98
Progressive $105
Nationwide $106
GEICO $126
Rates are for full-coverage car insurance for a 35-year-old male with a good driving record.

Full-coverage car insurance typically includes liability, comprehensive and collision coverages, although drivers will often add coverage for other expenses. These additional coverages can include insurance for rental cars, towing fees, medical expenses and more.

Cheapest car insurance for drivers with a prior incident

North Carolina Farm Bureau is the cheapest car insurance provider for drivers with an incident on their records. This includes those with speeding tickets, DUIs or prior accidents.

Cheapest for drivers with a speeding ticket: North Carolina Farm Bureau

The best car insurance rate for drivers with a speeding ticket comes from North Carolina Farm Bureau.

For full coverage, the organization charges an average rate of $96 per month. That’s over 22% less than the citywide average.

In Fayetteville, the average driver with one speeding ticket on their record pays $124 a month, which is nearly $30 more than the average for drivers without a ticket.

Insurance company Monthly rate
North Carolina Farm Bureau $96
Nationwide $107
State Farm $107
Erie $124
Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record.

Cheapest for drivers with an at-fault accident: North Carolina Farm Bureau

Drivers with an at-fault accident on their record should go to North Carolina Farm Bureau for cheap car insurance. There, they’ll find an average monthly rate of $96 for full coverage.

Otherwise, Nationwide and State Farm present solid alternatives. Those companies both charge $107 a month for full coverage.

Insurance company Monthly rate
North Carolina Farm Bureau $96
Nationwide $107
State Farm $107
Erie $124
>Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record.

Cheapest for drivers with a DUI: North Carolina Farm Bureau

For drivers with a DUI, North Carolina Farm Bureau has the cheapest car insurance rates. The provider charges $269 a month for full coverage, on average, which is nearly $100 less than the citywide average.

In Fayetteville, drivers with a DUI pay significantly more than those without one. On average, those with a DUI on their record have a monthly premium of $358 — that’s almost 270% greater than the average rate for drivers with a clean record.

Insurance company Monthly rate
North Carolina Farm Bureau $269
Nationwide $308
State Farm $324
Erie $364
Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record.

Compare car insurance quotes from top companies

Cheapest car insurance for senior drivers: North Carolina Farm Bureau

For senior drivers, North Carolina Farm Bureau is the best option for cheap car insurance. North Carolina Farm Bureau charges seniors $73 a month for full coverage.

Insurance company Monthly rate
North Carolina Farm Bureau $73
State Farm $77
Erie $92
City average $97
Allied $98
Progressive $105
Nationwide $106
GEICO $126
Rates are for full-coverage car insurance for a 60-year-old male with a clean driving record.

In Fayetteville, senior drivers pay about the same amount as their younger counterparts — the average cost of car insurance for both seniors and adult drivers overall is $97 a month.

However, in some cities, seniors actually pay less than younger drivers. Up to a certain age, these experienced drivers are considered highly reliable. Many insurance companies offer senior discounts, too.

Cheapest car insurance for young drivers: State Farm

State Farm has the cheapest car insurance for young drivers in Fayetteville. For teens, the company’s average minimum-coverage rate is $80 a month.

For full coverage, State Farm charges $138 per month. Both of those rates are well below the citywide average.

Insurance company Minimum coverage Full coverage
State Farm $80 $138
North Carolina Farm Bureau $84 $155
Allied $102 $207
City average $107 $201
Erie $113 $197
GEICO $121 $267
Progressive $122 $220
Nationwide $124 $222
Rates are for an 18-year-old male with a clean driving record.

In Fayetteville, as in most cities, teens are much more expensive to insure. For example, the average full-coverage policy for a teen driver is $201 a month, which is over 100% more expensive than the citywide average overall.

Fayetteville car insurance FAQ

Who has the cheapest car insurance in Fayetteville, North Carolina?

North Carolina Farm Bureau has the cheapest car insurance for Fayetteville drivers who want state-minimum coverage, charging them an average rate of $38 a month. It also has the city’s cheapest full-coverage car insurance, charging $73 a month.

What is the average cost of car insurance in Fayetteville?

The average cost of car insurance in Fayetteville is $74 a month. For minimum coverage, the average cost is $50 a month. The average cost of full coverage is $97 a month.

Methodology

We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Fayetteville ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.

Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets North Carolina’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $100,000 property damage liability coverage
  • $500 deductibles for both collision and comprehensive coverage

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