The Cheapest Auto Insurance Companies in Fayetteville, North Carolina, in 2026
Erie offers the lowest car insurance in Fayetteville, with rates starting at $70 per month.
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Fayetteville is the sixth-largest city in North Carolina, and car insurance rates for Fayetteville drivers tend to be higher than the state average.[1] Fayetteville residents pay an average of $99 per month for auto coverage, according to Compare.com data.
Rates can vary by insurance company, but Erie typically offers the cheapest in the city, at $70 per month.
Recent changes to North Carolina’s insurance requirements will affect the cost of coverage for Fayetteville drivers.[2] But you have ways to reduce your premiums. We’ll explain everything you need to know to find the cheapest car insurance in Fayetteville.
Key Takeaways
The cheapest car insurance company in Fayetteville is Erie.
On average, Fayetteville drivers pay $82 per month for liability coverage and $115 for full coverage.
Fayetteville has higher property crime and motor vehicle theft rates than the rest of the state, which drives up premiums.
The Cheapest Car Insurance Companies in Fayetteville, North Carolina
It’s important to shop around for coverage at least once a year, as rates can vary significantly between companies. Switching insurers could save you hundreds of dollars.
The following companies offer the cheapest average rates for Fayetteville drivers, according to Compare.com data.
The below rates in Fayetteville, NC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Company  | Average Monthly Premium |
|---|---|
| Erie | $70 |
| Nationwide | $70 |
| Direct Auto | $79 |
| GEICO | $80 |
| Liberty Mutual | $80 |
| National General | $80 |
| Progressive | $84 |
| Safeco | $84 |
| Travelers | $88 |
| Dairyland | $91 |
| Allstate | $95 |
| State Farm | $114 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Monday, April 13 at 5:00 PM PDT.
Cheapest Car Insurance in Fayetteville by Driver and Coverage Type
Several factors affect your car insurance rates, including your age, ZIP code, driving record, and credit history. When comparing rates, looking at the typical costs for drivers similar to you can help you make the best decision.
The table below highlights the cheapest companies for different driver profiles and coverage types, according to our data.
Driver or Coverage Type | Cheapest Insurer | Average Monthly Premium |
|---|---|---|
| Liability only | Erie | $70 |
| Full coverage | Progressive | $110 |
| Teens | Erie | $129 |
| Seniors | Erie | $54 |
| Recent speeding ticket | Erie | $96 |
| Recent at-fault accident | Erie | $97 |
| DWI conviction | Erie | $144 |
| Excellent credit | Erie | $55 |
| Poor credit | Erie | $103 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
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Drivers in North Carolina must meet minimum insurance requirements. State-minimum policies provide only liability coverage. They don’t cover your injuries or damages to your own vehicle. Liability-only policies are best if you’re looking for budget-friendly coverage or have an older vehicle.
Fayetteville drivers pay an average of $82 per month for liability coverage.
The table below shows the cheapest rates for liability coverage in Fayetteville, based on Compare.com data.
The below rates in Fayetteville, NC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.Cheapest Liability Rates by Company
CompanyAverage Monthly PremiumErie $70 Nationwide $70 Direct Auto $79 GEICO $80 Liberty Mutual $80 National General $80 Progressive $84 Safeco $84 Travelers $88 Dairyland $91 Allstate $95 State Farm $114 For many drivers, liability-only policies aren’t enough coverage. To protect yourself and your vehicle, it’s a good idea to consider a full-coverage policy. Full-coverage policies typically include liability, collision, and comprehensive coverage, which help pay for your injuries and vehicle damage in an accident.
If you finance or lease your car, your lender likely requires you to have a full-coverage policy to protect their investment. On average, drivers in Fayetteville pay $115 per month for full-coverage car insurance.
The table below shows the cheapest insurers for full coverage in Fayetteville, based on our data.
The below rates in Fayetteville, NC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.Cheapest Full-Coverage Rates by Company
CompanyAverage Monthly PremiumProgressive $110 Direct Auto $112 National General $116 Erie $131 Nationwide $131 Liberty Mutual $139 Safeco $145 GEICO $150 Travelers $165 Allstate $178 Dairyland $203 State Farm $215 Teens are more likely than any other age group to be involved in a serious car accident. They also engage in risky behaviors like texting and driving, according to data from the Centers for Disease Control and Prevention (CDC).[3]
As a result, teens tend to pay significantly higher car insurance premiums. In Fayetteville, teen drivers pay an average of $179 per month for auto coverage.
The table below shows the cheapest insurers for Fayetteville teens, according to Compare.com data.
The below rates in Fayetteville, NC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.Cheapest Rates for Teens
CompanyAverage Monthly PremiumErie $129 Nationwide $136 Liberty Mutual $140 GEICO $145 Progressive $152 Direct Auto $153 Dairyland $158 Safeco $170 Travelers $183 Allstate $188 State Farm $221 Seniors usually have years of experience behind the wheel and tend to drive fewer miles than other age groups. So seniors usually pay lower rates for car insurance.
Fayetteville seniors pay an average of $87 per month for car insurance.
The table below shows the five cheapest insurers for Fayetteville seniors, according to our data.
The below rates in Fayetteville, NC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.Cheapest Rates for Seniors
CompanyAverage Monthly PremiumErie $54 Nationwide $54 GEICO $64 Direct Auto $65 Liberty Mutual $67 Travelers $71 Progressive $74 Safeco $74 Allstate $78 Dairyland $78 State Farm $90 Speeding can lead to serious accidents and expensive claims. A single speeding ticket can increase your car insurance rates.[4] In Fayetteville, the average premium for drivers with a speeding ticket is $134 per month.
After a ticket, you may find lower rates with a different company. The table below highlights the cheapest insurers in Fayetteville for drivers with speeding tickets, according to our data.
The below rates in Fayetteville, NC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.Cheapest Rates With a Ticket
CompanyAverage Monthly PremiumNationwide $94 Erie $96 Direct Auto $103 Liberty Mutual $106 GEICO $109 Progressive $114 Safeco $115 Dairyland $118 Travelers $119 Allstate $128 State Farm $150 If you cause an accident, your insurance company will likely raise your premiums. An at-fault accident indicates that you’ll likely file more claims in the future, so a single accident can affect your rates. Fayetteville drivers with an at-fault accident on their record pay an average of $141 per month.
Shopping around is key to finding affordable coverage after an accident. The table below shows the five companies with the lowest average rates in Fayetteville after an accident, based on our data.
The below rates in Fayetteville, NC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.Cheapest Rates With an Accident
CompanyAverage Monthly PremiumErie $97 Nationwide $98 GEICO $109 Liberty Mutual $110 Direct Auto $112 Progressive $120 Safeco $121 Travelers $123 Dairyland $125 Allstate $132 State Farm $157 A driving while impaired (DWI) conviction significantly increases your car insurance premiums. Insurers consider you at a higher risk for serious accidents after a DWI and charge more to cover that extra risk.
The average rate for Fayetteville drivers with a DWI is $263 per month. But you may find cheaper coverage with an insurer that specializes in working with high-risk drivers.
Below, you’ll find the five cheapest companies for drivers with DWIs in Fayetteville, based on our data.
The below rates in Fayetteville, NC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.Cheapest Rates With a DWI
CompanyAverage Monthly PremiumNationwide $144 Erie $144 Direct Auto $162 GEICO $163 Liberty Mutual $164 Safeco $179 Travelers $180 Dairyland $187 Allstate $195 Progressive $224 State Farm $234 In North Carolina, insurance companies can use a credit-based insurance score to help calculate premiums. So your credit history can affect how much you pay for coverage. Typically, drivers with excellent credit tend to pay less for coverage than drivers with poor credit.
The average premium for Fayetteville drivers with poor credit is $124 per month.
But you may be able to find more affordable coverage. Check out the table below for the companies with the cheapest rates for Fayetteville drivers with poor credit, according to Compare.com data.
The below rates in Fayetteville, NC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.Cheapest Rates With Bad Credit
CompanyAverage Monthly PremiumNationwide $86 Liberty Mutual $96 Direct Auto $97 GEICO $99 Erie $103 Safeco $104 Progressive $105 Travelers $109 Dairyland $112 Allstate $117 State Farm $164
Our Picks for the Best Auto Insurance in Fayetteville
Many insurance companies offer policies in Fayetteville, including well-known national brands and smaller, regional insurers. There isn’t a single company that’s best for every driver, but we found some of the best companies in the city.
We picked these insurers based on their coverage options, rates, customer satisfaction ratings, and available discounts.
| User Reviews | 4.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $80/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
4.6
Best choiceBased on 117 verified guest reviews and ratings
Liberty Mutual's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about Liberty Mutual
Customers appreciate the excellent customer service and efficient claim processing but are frustrated with the high and consistently increasing premiums. Some also found the website difficult to navigate.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 55 Liberty Mutual reviews
Verified Review
Reviewed in Texas on March 6, 2026
I found car insurance nearly $500/month cheaper with AAA. I switched since there were no discount options available at Liberty Mutual.
Verified Review
Reviewed in Iowa on February 7, 2026
Liberty Mutual is current and I am happy. Doug is fun to watch, I hope his leg injury gets better.
Verified Review
Reviewed in California on December 16, 2025
Prices are not comparable to Geico.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
In Fayetteville, the largest employers are the Department of Defense, Cumberland County Schools, and the Cape Fear Valley Health System.[5] This is why Liberty Mutual is one of our picks for the best insurers in the city. It offers special discount programs for military service members, teachers, and nurses.
Liberty Mutual’s RightTrack telematics program can help you qualify for lower rates. It also offers coverage options that other insurers don’t, including gap insurance and new car replacement.
| User Reviews | 3.4 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $70/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $131/mo |
3.4
A solid optionBased on 19 verified guest reviews and ratings
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 2.0 | 3.2 |
| Customer service | 2.7 | 3.6 |
| Discounts | 2.7 | 2.9 |
| Policy transparency | 2.7 | 3.1 |
| Value | 2.7 | 2.9 |
Showing recent national reviewsSee all 9 Erie Insurance reviews
Verified Review
Reviewed in Virginia on May 26, 2025
I had to chase them for weeks to follow up on a claim. My case was switched from one agent to another several times. Even though the claim was for a no-fault accident and the party at fault had full coverage, they increased my premium by 200%.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
700NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not ratedAM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
Not ratedWhy we picked this company
Erie Insurance ranks No. 1 for customer satisfaction in the Southeast region in the J.D. Power 2025 U.S. Auto Insurance Study. It also has more than 20 agents in Fayetteville, so you can get personalized help when choosing coverage.
Erie offers a variety of coverage options, including glass repair and pet coverage. It also has a telematics program, but you can’t lower your rates by using it.
Pros
Top-rated customer satisfaction in Southeast region
Multiple coverage add-ons available
Large network of agents
Cons
Telematics program won’t lower your rates
Can’t submit most claims online
Poorly rated mobile app
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $52/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $104/mo |
4.2
Best choiceBased on 155 verified guest reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about USAA
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 69 USAA reviews
Verified Review
Reviewed in Maryland on April 3, 2026
USAA claims that they are all about the service members, but they bank on that being the reason you pay for their overpriced insurance.
Verified Review
Reviewed in Florida on February 21, 2026
Fair price.
Verified Review
Reviewed in Georgia on February 15, 2026
Very good. Reliable. Comprehensive.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
North Carolina is home to a large percentage of veterans.[8] Fayetteville, in particular, has many active-duty service members and veterans because Fort Bragg is so close. In fact, nearly 60,000 veterans live in Fayetteville, according to the Syracuse University D’Aniello Institute for Veterans and Military Families.[9]
With such a large military presence, USAA is one of the best insurers for those in Fayetteville. Available only to military service members, veterans, and their families, USAA offers lower-than-average rates. Service members can also qualify for perks like on-base vehicle storage discounts.
Find the Best Company for You
Local rates start as low as $70 per month.
Excellent
4.6 out of 5 based on 613 reviews
Secure. Free. Easy-to-use.
North Carolina Auto Insurance Requirements
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In July 2025, North Carolina raised its minimum insurance requirements for all drivers. Now, all drivers must have policies that meet the following coverage minimums:
$50,000 per person and $100,000 per accident of bodily injury liability coverage
$50,000 of property damage liability coverage
$50,000 per person and $100,000 per accident of uninsured/underinsured motorist (UM/UIM) coverage
Is minimum coverage enough in Fayetteville?
Even with North Carolina’s increased minimum liability coverage requirements, you may need additional coverage. Most insurance experts recommend buying extra coverage because liability-only insurance may not be enough in a serious accident. Full-coverage policies typically include higher coverage limits, plus protection for your injuries and vehicle damages.
If you finance or lease your car, your lender usually requires you to buy full-coverage car insurance.
Fayetteville Auto Insurance FAQs
Below, you’ll find answers to common questions about car insurance in Fayetteville.
In Fayetteville, drivers pay an average of $99 per month for car insurance, according to Compare.com data. Liability-only coverage costs an average of $82 per month, and full coverage costs an average of $115.
Erie is the cheapest auto insurance company in Fayetteville, according to Compare.com data. Its rates start at $70 per month. But your rates can vary based on your driving record, credit history, and ZIP code.
It depends. Fayetteville tends to have average car insurance rates that are higher than the state average but lower than the national average. Fayetteville drivers pay an average of $99 per month for auto coverage, compared to the national average of $140 per month, according to Compare.com data.
Nationwide has the cheapest auto insurance rates in North Carolina, according to Compare.com data. Its rates start at $59 per month.
Sources
- City of Fayetteville. "About Fayetteville."
- North Carolina Department of Motor Vehicles. "Insurance Requirements."
- Centers for Disease Control and Prevention. "Distracted Driving Risk Factors."
- Insurance Institute for Highway Safety. "Speed."
- Fayetteville Cumberland Economic Development Corporation. "Industry Support."
- J.D. Power. "2025 U.S. Auto Insurance Study."
- Trustpilot. "Liberty Mutual Reviews."
- University of North Carolina at Chapel Hill. "North Carolina in Focus: 2023 Veterans Snapshot."
- Syracuse University D’Aniello Institute for Veterans & Military Families. "County Comparison Dashboard."
- Trustpilot. "USAA Reviews."
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Kat TretinaInsurance Writer
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Matthew GrossEditor