Cheapest and Best Car Insurance Companies in Fayetteville, NC

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.