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.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Feb 18, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • 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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption