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Kat Tretina is a personal finance writer for Compare.com, specializing in insurance and debt management. For the past seven years, she’s been writing for several notable personal finance publications, including U.S News & World Report, NerdWallet, Forbes, Yahoo! Finance, Fortune, and more. She’s passionate about using her expertise to help people understand their financial options.
Kat earned her bachelor’s degree in English and Communications from Elizabethtown College and her master’s from West Chester University. She also holds certifications in financial education and student loan counseling.
Kat has been writing for Compare.com since 2025.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
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 $92 per month for auto coverage, according to Compare.com data.
Rates can vary by insurance company, but Direct Auto typically offers the cheapest in the city, at $76 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.
The cheapest car insurance company in Fayetteville is Direct Auto.
On average, Fayetteville drivers pay $79 per month for liability coverage and $104 for full coverage.
Fayetteville has higher property crime and motor vehicle theft rates than the rest of the state, which drives up premiums.
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.
Company  | Average Monthly Premium |
|---|---|
| Direct Auto | $76 |
| Erie | $76 |
| Nationwide | $76 |
| Progressive | $76 |
| Liberty Mutual | $78 |
| National General | $78 |
| Safeco | $81 |
| Dairyland | $86 |
| GEICO | $87 |
| Travelers | $97 |
| Allstate | $104 |
| State Farm | $124 |
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 | Direct Auto | $76 |
| Full coverage | Progressive | $98 |
| Teens | Liberty Mutual | $144 |
| Seniors | Nationwide | $59 |
| Recent speeding ticket | Direct Auto | $102 |
| Recent at-fault accident | Erie | $105 |
| DWI conviction | Erie | $136 |
| Excellent credit | Erie | $59 |
| Poor credit | Liberty Mutual | $93 |
Comparing quotes can save you up to $867.†
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 $79 per month for liability coverage.
The table below shows the cheapest rates for liability coverage in Fayetteville, based on Compare.com data.
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 $104 per month for full-coverage car insurance.
The table below shows the cheapest insurers for full coverage in Fayetteville, based on our data.
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 $182 per month for auto coverage.
The table below shows the cheapest insurers for Fayetteville teens, according to Compare.com data.
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 $82 per month for car insurance.
The table below shows the five cheapest insurers for Fayetteville seniors, according to our data.
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 $131 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.
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 $136 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.
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 $197 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.
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 $114 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.
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 | 3.6 |
|---|---|
| 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. | 3.9 /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. | $66/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. | $118/mo |
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.
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.
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 | 4.3 |
|---|---|
| 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. | $64/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. | $96/mo |
Drivers value the excellent coverage and quick claim responses but dislike the significant rate increases and lack of responsiveness to emails.
Drivers value the excellent coverage and quick claim responses but dislike the significant rate increases and lack of responsiveness to emails.
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.
Top-rated customer satisfaction in Southeast region
Multiple coverage add-ons available
Large network of agents
Telematics program won’t lower your rates
Can’t submit most claims online
Poorly rated mobile app
| User Reviews | 4.3 |
|---|---|
| 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. | $53/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. | $98/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
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.
Local rates start as low as $76 per month.
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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
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.
Below, you’ll find answers to common questions about car insurance in Fayetteville.
In Fayetteville, drivers pay an average of $92 per month for car insurance, according to Compare.com data. Liability-only coverage costs an average of $79 per month, and full coverage costs an average of $104.
Direct Auto is the cheapest auto insurance company in Fayetteville, according to Compare.com data. Its rates start at $76 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 $92 per month for auto coverage, compared to the national average of $137 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 $64 per month.
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 Tretina is a personal finance writer for Compare.com, specializing in insurance and debt management. For the past seven years, she’s been writing for several notable personal finance publications, including U.S News & World Report, NerdWallet, Forbes, Yahoo! Finance, Fortune, and more. She’s passionate about using her expertise to help people understand their financial options.
Kat earned her bachelor’s degree in English and Communications from Elizabethtown College and her master’s from West Chester University. She also holds certifications in financial education and student loan counseling.
Kat has been writing for Compare.com since 2025.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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