Best Cheap Auto Insurance in Fayetteville, NC (2021)
The cheapest auto insurance in Fayetteville, NC is Liberty Mutual, although rates will vary based on factors such as age, driving record, and credit score. Drivers in Fayetteville, NC must meet the minimum required liability insurance of 30/60/25, although more coverage is recommended. Compare online quotes to find the best Fayetteville, NC auto insurance rates.
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Written by
Mathew B. Sims
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Reviewed by
Daniel Walker
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UPDATED: Feb 18, 2021
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- The cheapest Fayetteville, NC auto insurance company is Liberty Mutual
- Fayetteville has short commute times and is not very congested
- Average auto insurance in Fayetteville is higher than the state average but lower than the national average
Fayetteville, NC auto insurance can be higher than the North Carolina average, partly due to Fort Bragg. There are a large number of young male drivers in the area, which tends to raise rates.
There are many ways to save on your Fayetteville, North Carolina auto insurance, including shopping around, asking for discounts, and comparing rates. Keep reading to learn how to find cheap auto insurance in Fayetteville regardless of age, driving record, or credit history.
Enter your ZIP code now to compare Fayetteville, NC auto insurance quotes.
What is the cheapest auto insurance company in Fayetteville, NC?
Liberty Mutual has the lowest auto insurance in Fayetteville, NC based on average rates.
These are the top Fayetteville, NC auto insurance companies ranked from cheapest to most expensive:
- Liberty Mutual – $2,815.72
- Progressive – $3,122.13
- GEICO – $3,364.58
- Nationwide – $3,754.57
- State Farm – $3,926.88
- Travelers – $4,040.19
- Allstate – $9,007.01
There are many different factors that affect your auto insurance rates. Your age, gender, marital status, credit score, where you live, and driving history can all be used to determine how much you pay.
Young male drivers tend to pay the most in auto insurance, which contributes to the high rates in Fayetteville.
Each company will offer different prices, so compare multiple companies to find affordable Fayetteville, NC auto insurance.
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What auto insurance coverage is required in Fayetteville, NC?
In order to drive in North Carolina, drivers have to carry a minimum level of auto insurance.
The minimum amount of car insurance NC drivers have to carry is:
- $30,000 per person and $60,000 per incident for bodily injury liability
- $25,000 per incident for property damage
Although carrying these amounts of coverage will allow you to drive legally, you can see that you would exhaust those limits fairly quickly in a serious accident.
It’s recommended that you carry more than the bare minimum auto insurance to keep accident costs as low as possible.
What affects auto insurance rates in Fayetteville, NC?
Traffic in Fayetteville isn’t that bad. Drivers don’t have long wait times on a daily basis.
INRIX ranks Fayetteville as the 191st most congested city in the country, which is great news for drivers.
According to City-Data, the average commute time for Fayetteville drivers is under 20 minutes.
There is public transportation available in Fayetteville, but most people drive their own cars.
Auto theft can also affect your car insurance rates. Auto insurance companies will charge more in cities that experience a large number of thefts. According to the FBI, there were 415 vehicle thefts in 2017, the last year data is available.
Fayetteville, NC Auto Insurance: The Bottom Line
Although Fayetteville, NC auto insurance rates are higher than the state average, they are still much lower than normally seen across the country.
Before you buy Fayetteville, NC auto insurance, enter your ZIP code to compare quotes from top companies.