Fayetteville, GA Car Insurance

On average, Fayetteville drivers pay a monthly average rate of around $107 for their car insurance. To learn more about policy rates and coverage in the Fayetteville area, continue reading our guide below.
How does Fayetteville stack up to the rest of the area, or even Georgia as a whole? What can Fayetteville residents expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Fayetteville?

Area Average Monthly Car Insurance Premium
Fayetteville$107
GA$106
United States$81

As you can tell by looking at the chart above, auto insurance rates in Fayetteville are about the same as the rest of Georgia.

Similarly, drivers in Fayetteville may pay higher rates than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $26 cheaper than it is in Fayetteville.

While these numbers are the average rates for auto insurance in Fayetteville, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

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 the bill you'll see each month. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$167
25-34$110
35-44$91
45-54$78
55-64$83
65+$84

The more time you've spent on the road, the more experience you have. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.

For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may start to rise again in Fayetteville.

Average Car Insurance Rates by Gender

Gender Average
Male$116
Female$97

In general, women pay slightly less for car insurance than men. In Fayetteville, this difference shakes out to about $19 a month. Based on the chart above, you can see that female drivers pay around $97 on average, while male drivers typically pay $116 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$146
Multiple Accidents$181
1 Ticket$118
Multiple Tickets$185

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Fayetteville with a single accident will pay around $146 a month. In addition, drivers with one ticket can expect to pay around $118 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$121
2-3 Years$142
4-5 Years$111
6-7 Years$109
8-10 Years$103
11-14 Years$110
15 Years or Older$97

The cheapest vehicles to insure in Fayetteville are usually trucks and vans, with each type typically costing about $92 per month.

Car owners can expect to pay an average of around $113 a month for their policy, while SUVs usually cost around $97 a month to insure.

You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Fayetteville, vehicles two-to -three years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$115
Married$94
Divorced$76
Widowed$80

Generally, those who have settled down into marriage will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Fayetteville is no exception, with the difference totaling to around $21 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$96
Rent$114
Live with parents$126

Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $18 a month more than if you own your own home in Fayetteville. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies 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

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

The rates for car insurance in Fayetteville increased steadily from 2017-2021. Policy premiums finished down in 2022, at $75.

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 a number of factors. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:

  • Prevalence of crime
  • Regional laws
  • Amount of drivers
  • Frequency of car accidents
  • Off-street parking access

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Fayetteville.

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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 you can't control like your age and gender 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?

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Fayetteville?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Fayetteville or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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