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.

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Updated: 09 February 2025
Written by Bob Phillips
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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

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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

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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.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

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.

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