Cheapest and Best Car Insurance Companies in Fayetteville, NC


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Updated: May 20, 2024

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Nationwide has the cheapest rates for full coverage and minimum coverage car insurance in Fayetteville. It's also the most affordable insurer for military members and drivers with speeding tickets. Drivers with DUIs can find the cheapest insurance with National General, while those with at-fault accidents can find it with Erie. The top insurance company for teen drivers is State Farm. In terms of overall value, Erie is the best choice.

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2024

Cheapest and Best Car Insurance in Fayetteville, NC

Why Trust MoneyGeek? Our analysis was based on information from the North Carolina Department of Insurance and Quadrant Information Services.

47,430Quotes Analyzed
 
9Companies Compared

Cheapest Minimum Liability Car Insurance in Fayetteville

In Fayetteville, these companies have the cheapest minimum policies:

  • Nationwide: $311 per year
  • Erie: $380 per year

The most expensive insurance in Fayetteville is Allstate, which charges $968 a year. In North Carolina, Nationwide also offers the cheapest car insurance for a minimum coverage policy at $242 as of October 2022. This means the city of Fayetteville is a bit more expensive than the state's average.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
NationwideAnnual Premium$311Monthly Premium$26
ErieAnnual Premium$380Monthly Premium$32
North Carolina Farm BureauAnnual Premium$429Monthly Premium$36
State FarmAnnual Premium$456Monthly Premium$38
GEICOAnnual Premium$524Monthly Premium$44
National GeneralAnnual Premium$627Monthly Premium$52
ProgressiveAnnual Premium$657Monthly Premium$55
KemperAnnual Premium$661Monthly Premium$55

North Carolina has minimum insurance limits for bodily injury and property damage. Here are those requirements:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $30,000 uninsured motorist coverage per person
  • $60,000 uninsured motorist coverage per accident
  • $25,000 uninsured motorist property damage coverage per accident

With liability-only auto insurance, you're covered for damages to others, but not for damages to yourself.

If you carry minimum coverage (30/60/25), your insurer should cover up to $30,000 in medical expenses per injured person, up to a total of $60,000 per accident. Costs over this amount must be covered by you.

Cheapest Full Coverage Car Insurance in Fayetteville

In Fayetteville, we found these companies to be the cheapest for a full-coverage policy:

  • Nationwide: $760 per year
  • Erie: $772 per year

Fayetteville's most expensive insurance rates average $1,701 and come from Allstate. Among the full coverage policies in North Carolina, Erie is the most affordable at $630 a year as of October 2022. In comparison with the rest of the state, Fayetteville's rate is higher.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
NationwideAnnual Premium$760Monthly Premium$63
ErieAnnual Premium$772Monthly Premium$64
North Carolina Farm BureauAnnual Premium$863Monthly Premium$72
State FarmAnnual Premium$890Monthly Premium$74
GEICOAnnual Premium$954Monthly Premium$80
National GeneralAnnual Premium$1,177Monthly Premium$98
ProgressiveAnnual Premium$1,334Monthly Premium$111
KemperAnnual Premium$1,477Monthly Premium$123

Full coverage policies usually include collision and comprehensive coverage.

  • Collision Insurance: Pays for repairs or replacements for your car if it is wrecked.
  • Comprehensive Insurance: If your car gets damaged by vandalism, theft or a natural disaster, it covers repair or replacement.

In the case of an old vehicle, you might not be a good candidate for such a policy because it may be more expensive than your car's worth.

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Cheapest Car Insurance in Fayetteville After a Driving Offense

These Fayetteville insurance companies are the cheapest if you have these driving violations:

  • Speeding ticket: Nationwide ($1,082 per year)
  • At-fault accident: Erie ($1,121 per year)
  • DUI: National General ($2,670 per year)

The most expensive insurance for drivers with speeding tickets is Kemper, which charges $2,527 per year. Allstate is the most expensive for drivers with a DUI or at-fault accidents at $7,144 and $2,144, respectively.

Your insurance rates will be higher if you have a poor driving record, even from the least expensive car insurance companies.

You may see your insurance rates increase if you commit more serious violations (though this is not always the case). For example, the cost of driving after a DUI in Fayetteville is $1,588 more than driving after a speeding ticket. To find the cheapest car insurance for drivers with poor driving records, it is essential to compare rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
NationwideAnnual Premium$1,082Monthly Premium$90
ErieAnnual Premium$1,222Monthly Premium$102
North Carolina Farm BureauAnnual Premium$1,235Monthly Premium$103
State FarmAnnual Premium$1,330Monthly Premium$111
National GeneralAnnual Premium$1,699Monthly Premium$142
GEICOAnnual Premium$1,729Monthly Premium$144
ProgressiveAnnual Premium$1,943Monthly Premium$162
AllstateAnnual Premium$2,512Monthly Premium$209
KemperAnnual Premium$2,527Monthly Premium$211

Cheapest Car Insurance in Fayetteville for Teens and Their Families

Here are the companies that offer the cheapest family policies for teens in Fayetteville:

  • State Farm: $1,579 per year
  • Nationwide: $1,693 per year

Kemper's policy costs on average $4,541, making it one of the most expensive policies on the market.

Since they're considered riskier, the cost of insurance for young men is generally higher than that for young women. Comparing quotes from different companies is essential because the prices may differ significantly.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$1,579Individual Plan Monthly Premium$5,784
NationwideFamily Plan Annual Premium$1,693Individual Plan Monthly Premium$4,688
ProgressiveFamily Plan Annual Premium$2,861Individual Plan Monthly Premium$7,678
AllstateFamily Plan Annual Premium$3,716Individual Plan Monthly Premium$13,388
KemperFamily Plan Annual Premium$4,205Individual Plan Monthly Premium$18,699
GEICOFamily Plan Annual Premium$4,541Individual Plan Monthly Premium$13,020

When you purchase an independent policy for a teen, it almost always costs more than if you add the teen to a family policy. Based on MoneyGeek's research, teenagers pay up to $538 more for their car insurance in Fayetteville. The best way to obtain the lowest rate on teen car insurance is to shop around.

Cheapest Car Insurance in Fayetteville for Military Drivers

Our analysis reveals that the following companies offer the cheapest auto insurance for active military and veterans in Fayetteville:

  • Nationwide: $760 per year
  • Erie: $772 per year

Those rates are for full coverage policies. As for minimum coverage, Nationwide also offers the cheapest policy for military personnel at $311 per year.

The USAA may not be the cheapest insurance provider in Fayetteville, but it's one of the best for military members nationwide due to its tailored nature.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
NationwideAnnual Premium$760Monthly Premium$63
ErieAnnual Premium$772Monthly Premium$64
North Carolina Farm BureauAnnual Premium$863Monthly Premium$72
State FarmAnnual Premium$890Monthly Premium$74
GEICOAnnual Premium$954Monthly Premium$80
National GeneralAnnual Premium$1,177Monthly Premium$98
ProgressiveAnnual Premium$1,334Monthly Premium$111
KemperAnnual Premium$1,477Monthly Premium$123

How to Compare Cheap Fayetteville Car Insurance Quotes Online

You may have to provide a lot of personal information to get an online car insurance quote, and getting just one quote can take up to 15 minutes. Chances are you want more than one quote before choosing a Fayetteville, NC, car insurance company.

You can simplify and speed up the process by using MoneyGeek's car insurance calculator. With basic information like your age, vehicle type, level of coverage and driving record, you can receive a quick estimate of your car insurance costs.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Jul 12, 2024

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Best Car Insurance in Fayetteville: Summary

Choosing the right car insurance company depends on what's important to you, like cost and service quality.

Here are the best Fayetteville car insurance companies according to our analysis:

  • Best Overall: Auto-Owners Insurance (MoneyGeek score of 85 out of 100)
  • Best Cheap: Auto-Owners Insurance (MoneyGeek score of 82 out of 100)
  • Best for Service: Chubb (MoneyGeek score of 76 out of 100)

This score may change depending on how each category is weighted. State Farm offers the best auto insurance in Fayetteville. Where you live affects rates, so it might also affect your insurance affordability.

Best Overall Car Insurance in Fayetteville

The following are the top car insurance companies in Fayetteville that balance affordability and customer satisfaction, according to MoneyGeek's analysis.

  • Erie: MoneyGeek score of 83 out of 100 ($772 per year)
  • North Carolina Farm Bureau: MoneyGeek score of 77 out of 100 ($863 per year)

Erie ranked first in customer satisfaction and second in affordability. Based on these factors, you can expect stellar customer service for an affordable policy.

How was this MoneyGeek score calculated?

Erie

pros

checkmark

Ranked #1 in customer satisfaction

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Ranked #2 in affordability

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Ranked #2 in claims management

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Provides better car replacement and glass deductible modifications

cons

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Below-average rating for coverage

COMPANY HIGHLIGHTS

With unique coverage options, high customer satisfaction and affordable policies, Erie stands out against its rivals.

Erie offers better car replacement coverage, which isn't offered by many other companies. A new car that's been totaled in less than two years will be replaced with the newest model. Once you've had your car for two years, you'll get a newer model. Erie's glass deductible modification waives deductibles for glass repair. Plus, you can get full window glass for a minimal charge, which also waives your deductible. In both cases, you get new wiper blades if your windshield breaks.

Erie's customer satisfaction rating is high, so you'll get exemplary service. With a high claims management score, you also shouldn't have any worries about getting your claim settled.

Read MoneyGeek's Erie Auto Insurance Review

Best Car Insurance in Fayetteville for Customer Service

The following companies provide excellent service and quality regardless of their prices:

  • Erie: MoneyGeek score of 70 out of 100 ($772 per year)
  • North Carolina Farm Bureau: MoneyGeek score of 68 out of 100 ($863 per year)

Among insurance companies, Erie received the highest customer satisfaction rating, while its claims management and affordability came in second. Considering these factors, for an affordable price, you can get excellent customer service and won't have a difficult time filing a claim.

How was this MoneyGeek score calculated?

Erie

pros

checkmark

Ranked #1 for customer satisfaction

checkmark

Ranked #2 for affordability

checkmark

Ranked #2 for claims management

checkmark

Cons

cons

close

Doesn’t have the highest rankings for coverage

COMPANY HIGHLIGHTS

MoneyGeek found Erie has the best customer service because of its high ratings from J.D. Power's customer satisfaction study and its low complaints report from the National Association of Insurance Commissioners (NAIC). Also, the company gets above-average ratings for managing and handling claims quickly.

Erie offers several unique coverages, including locked vehicle coverage and personal property insurance. With Erie's locked vehicle coverage, you're covered for up to $75 if you lock your keys in your car. Physical damage coverage under personal property insurance helps cover up to $350 of loss of clothing, luggage and belongings in an insured car.

The company also offers discounts when you set up automatic payments and install devices such as anti-lock brakes and homing devices.

Read MoneyGeek's Erie Auto Insurance Review

Best Cheap Car Insurance Companies in Fayetteville

Based on a comparison of affordability and service quality among policies meeting North Carolina's minimum coverage requirements, these companies rank highest in Fayetteville:

  • Erie: MoneyGeek score 80 out of 100 ($380 per year)
  • Nationwide: MoneyGeek score 77 out of 100 ($311 per year)

It's cheaper to buy a minimum coverage policy in Fayetteville, but that doesn't cover damage to your vehicle or yourself.

How was this MoneyGeek score calculated?

Erie

pros

checkmark

Ranked #1 for customer satisfaction

checkmark

Ranked #2 for claims management

checkmark

Minimum coverage policy costs $380 per year, the 2nd cheapest

cons

close

Doesn’t rank well for claims management

COMPANY HIGHLIGHTS

Erie offers the best cheap auto insurance in Fayetteville, based on our research. It offers affordable policies with stellar customer satisfaction and an above-average claims management score.

There are a lot of rare discounts Erie offers that other insurers don't. A young safe driver discount is available to unmarried drivers under the age of 21 residing with their parents. Also, you may be eligible for several discounts if you install auto devices such as daytime running lights, a homing device and window glass etchings.

Additionally, Erie offers several helpful coverages, including accident forgiveness if you have been claims-free for three years. The company also offers gap insurance, which covers the balance of an auto loan should the vehicle be totaled.

Read MoneyGeek's Erie Auto Insurance Review

Average Cost of Car Insurance in Fayetteville

The average cost of auto insurance in Fayetteville is $1,047 per year, $187 higher than the state average of $860 and $218 less than the national average of $1,265 as of October 2022. Depending on your location, your insurance could cost more or less.

An average full coverage policy covers $100,000 for bodily injury liability per person, $300,000 for accident compensation and $100,000 for property damage.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.