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How much is car insurance in Fayetteville?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, car insurance rates in Fayetteville are about the same as the rest of Georgia.
Compared to the national average cost of auto coverage, Fayetteville has higher rates. The cost of auto coverage in Fayetteville is about $26 more expensive than the national average.
Although these are the average rates for auto insurance in Fayetteville, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've analyzed the average rate for Fayetteville and broken down the different factors to help you understand what your monthly bill might look like. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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Fayetteville Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Fayetteville may see their rates rise again once they hit retirement age.
Fayetteville Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Fayetteville, this difference shakes out to about $18 per month. Based on the chart above, you can see that female drivers pay around $97 on average, while male drivers typically pay $115 each month.
Fayetteville Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in Fayetteville with a single accident on their record is about $145 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $120 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Fayetteville Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$121|
|15 Years or Older||$97|
The most affordable vehicles to insure in Fayetteville are by and large trucks and vans, which run about $94 per month.
SUV drivers will see rates of about $97, while the rates for car owners average out to about $113 a month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Fayetteville are vehicles two-to -three years old.
Fayetteville Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$114|
On average, those who are currently married will pay slightly less to insure their vehicle. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Fayetteville can be as much as $21 a month, so it's worth keeping that in mind.
Fayetteville Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$126|
Your living situation is another factor that affects your monthly rate. Drivers who own property in Fayetteville can expect to pay around $17 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you 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
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In Fayetteville, auto insurance rates increased consistently from 2017-2021. They finished down in 2022, at $82.
How does Fayetteville compare to neighboring areas?
Why are car insurance rates in Fayetteville different from other areas?
Car insurance companies look at numerous factors when they're choosing how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Total number of drivers in the area
- Off-street parking availability
- Area laws
- Crime levels
- Number of car accidents
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
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.
Don't worry, Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies providing coverage in Fayetteville.
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Fayetteville Auto 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 you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Fayetteville different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Fayetteville?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Fayetteville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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