Table of contents
How much is car insurance in Fayetteville?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Fayetteville is in line with pricing for the rest of Georgia.
On the flip side, Fayetteville residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $23 more for coverage in Fayetteville than in the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Fayetteville, you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
Don't sweat it however, we've broken down average rates for Fayetteville residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $71 more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates begin to go back up in Fayetteville.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Fayetteville, male drivers pay about $17 more per month. As illustrated in the table above, female drivers in the area pay about $95 on average, while male drivers pay around $112 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Fayetteville, a driving record with a single accident will usually get you a rate around $124 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $146.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$108|
|15 Years or Older||$97|
In Fayetteville, the cheapest vehicles to insure are typically SUVs, with drivers paying around $95 per month for insurance coverage.
Car owners can expect to pay an average of around $107 a month for their policy, while truck and van drivers are usually around $99 to insure each month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is close to 5 years old. The most expensive vehicles to insure in Fayetteville are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$111|
Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
The cost of auto insurance in Fayetteville reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$129|
Your housing situation is another factor that affects your monthly rate. Drivers who own property in Fayetteville can expect to pay around $12 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Fayetteville, GA
Recent trends in car insurance for Fayetteville drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of auto insurance in Fayetteville had been increasing consistently from 2016 through the present, where they hit $147 a month in 2021.
How does Fayetteville compare to neighboring areas?
Why are car insurance rates in Fayetteville different from other areas?
When considering how much to charge for coverage, car insurance companies will review numerous factors. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Local crime rates
- Road Safety (frequency of car accidents)
- Regional regulations
- Off-street parking availability
- Total number of drivers in the area
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Fayetteville?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from several of the car insurance companies providing plans in Fayetteville.
Fayetteville Insurance FAQs
What factors affect car insurance quotes in Fayetteville?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Fayetteville different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Fayetteville?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Fayetteville?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Fayetteville or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.