Cheapest Car Insurance In Fayetteville, NC 2025
Erie offers the most affordable minimum coverage car insurance in Fayetteville, with an average monthly cost of $49.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for the most affordable car insurance in Fayetteville, NC, prices can differ significantly.
For drivers needing the lowest-cost liability-only coverage, Erie comes out on top. Those wanting full coverage at the best rate will also find Erie to be the most budget-friendly option. However, for young drivers, Direct Auto provides the most affordable rates.
Cheapest Car Insurance In Fayetteville, NC







Cheapest Liability-only Car Insurance In Fayetteville: Erie
Erie offers the most affordable minimum coverage car insurance in Fayetteville, with an average monthly rate of $49.
Refer to the table below to compare rates from various insurance providers.
Provider | Average Monthly Cost | Average Annual Cost |
Erie | $49 | $588 |
Nationwide | $51 | $612 |
Direct Auto | $68 | $816 |
GEICO | $57 | $684 |
Travelers | $64 | $768 |
Cheapest Full Coverage Insurance Rates In Fayetteville: Erie
Erie provides the lowest rates for full coverage car insurance in Fayetteville, with an average monthly cost of $71.
Check the table below to compare quotes from other budget-friendly insurance providers in Fayetteville.
Provider | Average Monthly Cost | Average Annual Cost |
Erie | $71 | $852 |
Nationwide | $75 | $900 |
Progressive | $107 | $1,284 |
Travelers | $96 | $1,152 |
GEICO | $83 | $996 |
Cheapest Car Insurance Rates For Seniors: Direct Auto
Direct Auto offers the most affordable car insurance rates for seniors in Fayetteville, with an average monthly cost of $53.
The table below highlights average quotes from the cheapest insurance providers for seniors.
Provider | Average Monthly Cost | Average Annual Cost |
Direct Auto | $53 | $636 |
North Carolina Farm Bureau | $87 | $1,044 |
Erie | $70 | $840 |
Allied | $95 | $1,140 |
Nationwide | $82 | $984 |
Cheapest Rates In Fayetteville For Teenagers: Erie
Teenage drivers in Fayetteville can get the most affordable rates from Erie, with average monthly premiums of $124.
The table below lists the insurance providers offering the lowest insurance rates for teenagers.
Provider | Average Monthly Cost | Average Annual Cost |
Erie | $124 | $1,488 |
GEICO | $143 | $1,716 |
Nationwide | $137 | $1.644 |
Progressive | $185 | $2.220 |
Travelers | $170 | $2,040 |
Cheapest Auto Insurance For Young Adults in Fayetteville: Direct Auto
Direct Auto provides the most affordable car insurance rates for young adults in Fayetteville, with an average monthly cost of $75.
Check the table below to compare the lowest insurance rates for young adults in Fayetteville.
Provider | Average Monthly Cost | Average Annual Cost |
Direct Auto | $75 | $900 |
Travelers | $91 | $1,092 |
Auto-Owners | $82 | $984 |
Erie | $96 | $1,152 |
Utica National | $87 | $1,044 |
Cheapest Car Insurance In Fayetteville For Good Drivers: Erie
Good drivers in Fayetteville can get the lowest car insurance rates from Erie, with an average cost of $50 per month.
If you’re a good driver, use the table below to compare average quotes from the most budget-friendly insurance providers.
Provider | Average Monthly Cost | Average Annual Cost |
Erie | $50 | $600 |
Nationwide | $52 | $624 |
Travelers | $58 | $780 |
Safeco | $61 | $732 |
GEICO | $65 | $696 |
Find Affordable Fayetteville Rates
Cheapest Car Insurance In Fayetteville After A Speeding Ticket: Nationwide
Nationwide offers some of the most affordable rates in Fayetteville, with an average cost of $65 per month for drivers with a speeding ticket.
Check the table below to compare average rates for drivers with a speeding violation.
Provider | Average Monthly Cost | Average Annual Cost |
Nationwide | $65 | $780 |
GEICO | $78 | $936 |
Erie | $73 | $876 |
Travelers | $84 | $1,008 |
Direct Auto | $97 | $1,164 |
Cheapest For Drivers With After At-Fault Accident: Nationwide
Nationwide provides the most affordable car insurance rates for drivers with an at-fault accident, averaging $72 per month.
Below is a list of insurance companies offering the lowest rates for drivers with an at-fault incident.
Provider | Average Monthly Cost | Average Annual Cost |
Nationwide | $72 | $864 |
Erie | $77 | $924 |
GEICO | $81 | $972 |
Direct Auto | $100 | $1,200 |
Travelers | $93 | $1,116 |
Cheapest Rates In Fayetteville For Drivers After A DUI: Nationwide
Nationwide offers the lowest rates for drivers in Fayetteville after a DUI, with average monthly premiums of $83.
Drivers in Fayetteville with a DUI can compare the cheapest rates in the table below.
Provider | Average Monthly Cost | Average Annual Cost |
Nationwide | $83 | $996 |
GEICO | $97 | $1,164 |
Safeco | $105 | $1,260 |
Erie | $89 | $1,068 |
Travelers | $110 | $1,320 |
Best Car Insurance Companies In Fayetteville
Erie offers the most affordable car insurance in Fayetteville, with an average monthly rate of $72. Other good options include GEICO at $80 a month and Auto-Owners at $83 per month.
The table below ranks the top 10 car insurance companies in Fayetteville, NC, by their average monthly rates.
Company | Monthly Premium |
Erie | $72 |
GEICO | $80 |
Auto-Owners | $83 |
Utica National | $87 |
State Farm | $98 |
Travelers | $100 |
Direct Auto | $102 |
North Carolina Farm Bureau | $105 |
National General | $109 |
Nationwide | $113 |
Average Auto Insurance Rates In Fayetteville- By Age
Age plays a significant role in determining car insurance rates. Younger drivers tend to face higher premiums because of their inexperience and a greater likelihood of accidents and traffic violations. Teenagers, for example, typically pay around $2,232 per year for insurance.
As drivers approach the age of 25, their rates generally start to decrease, provided they have a clean driving record.
Drivers in their 50s and early 60s often receive the most competitive rates. Insurance companies use age to gauge driving experience and risk, which directly impacts premium costs.
Age | Average Yearly Rate |
Teenagers | $2,232 |
20s | $2,052 |
30s | $1,764 |
40s | $1,716 |
50s | $1,512 |
60s | $1,548 |
70s | $1,644 |
Average Rates In Fayetteville- By Vehicle
The type of vehicle you own greatly affects your car insurance premiums. Insurance companies consider factors like the make, model, year, and body type of your car. Generally, newer vehicles, especially luxury models with advanced features and higher replacement costs, come with higher insurance rates.
Use the table below to compare average insurance rates in Fayetteville for various vehicles.
Vehicle | Average Monthly Rate |
Nissan Rogue | $90 |
Hyundai Sonata | $275 |
Dodge Charger | $167 |
Kia Forte | $201 |
Chevrolet Silverado | $112 |
How Much Is Car Insurance In Other Cities in North Carolina?
Your city plays a major role in determining your car insurance rates. Insurance companies assess various location-based factors, such as accident likelihood, vehicle theft, and vandalism rates, which tend to be higher in urban areas. As a result, premiums in these areas are often more expensive.
For instance, drivers in Greensboro typically pay around $130 per month for car insurance, while those in Charlotte face an average monthly rate of $151.
City | Average Monthly Rate |
Greensboro | $130 |
Charlotte | $151 |
High Point | $125 |
Greenville | $137 |
Asheville | $106 |
Cary | $122 |
Chapel Hill | $125 |
Raleigh | $138 |
Durham | $150 |
Rocky Mount | $145 |
Average Cost Of Auto Insurance In Fayetteville- By Zip Code
Zip codes are used by insurers to assess crime rates in specific areas, which affects car insurance rates. As a result, each zip code may have different insurance premiums.
Use the table below to compare average insurance rates for various zip codes in Fayetteville.
Zip Code | Average Monthly Rate |
28301 | $139 |
28303 | $152 |
28304 | $145 |
28305 | $137 |
28306 | $156 |
Find Affordable Fayetteville Rates
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Fayetteville, NC.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Fayetteville?
Erie offers the lowest car insurance rates in Fayetteville, both for the minimum coverage required by the State of North Carolina and for full coverage, which includes comprehensive and collision protection.
What is the average cost of car insurance in Fayetteville?
The average monthly cost of car insurance in Fayetteville is around $72. However, rates can differ depending on factors like your zip code, the make and model of your car, your driving record, and more.