Fort Bragg, NC Car Insurance

On average, drivers in Fort Bragg pay around $64 per month for their car insurance. Check out our guide below to find out how much you'll pay.
How much can residents of Fort Bragg expect to pay for their car insurance? How does Fort Bragg compare to the surrounding area and the rest of North Carolina? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Fort Bragg?

Area Average Monthly Car Insurance Premium
Fort Bragg$64
NC$54
United States$80

As you can see, car insurance policies across the rest of North Carolina are about $10 a month cheaper than the rates drivers pay in Fort Bragg.

On the flip side, when compared to the national average, the cost for auto insurance in Fort Bragg is lower. It's about $16 cheaper to insure your vehicle in Fort Bragg compared to the average rate for the United States as a whole.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't worry, we've done the work for you and broken down the average rates for Fort Bragg to help you understand what your monthly premium might be. 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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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$64
25-34$70
35-44$53
55-64Not Enough Data
65+Not Enough Data

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, you may see your rates climb back up in Fort Bragg.

Average Car Insurance Rates by Gender

Gender Average
Male$64
Female$65

On average, female drivers pay slightly less for car insurance than their male counterparts. While male drivers actually pay a little bit less than female drivers on their monthly auto insurance coverage, the difference in Fort Bragg is only about $1 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$52
Multiple Accidents$101
1 TicketNot Enough Data
Multiple Tickets$104

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in Fort Bragg with one accident will pay around $52 a month.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$71
2-3 Years$72
4-5 Years$84
6-7 Years$79
8-10 Years$55
11-14 Years$78
15 Years or Older$48

Your rates can also vary depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Fort Bragg, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$65
Married$63
Divorced$48

Generally speaking, those who have settled down into marriage will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

Although single drivers normally pay more for auto insurance than married couples do, the rates for both groups in Fort Bragg are about the same.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$44
Rent$68

One other element taken into consideration is your living situation. If you rent your home or apartment in Fort Bragg, expect to pay around $24 a month more than if you own property. But if you live with your parents, you can expect to pay a lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Fort Bragg, NC

Recent trends in car insurance for Fort Bragg drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

In Fort Bragg, auto insurance rates rose from 2015-2018, but began to turn downward in 2019. This pattern has continued through 2021 when rates have most recently hit $55.

How does Fort Bragg compare to neighboring areas?

Why are car insurance rates in Fort Bragg different from other areas?

There are numerous factors car insurance companies take into consideration when choosing how much to charge for coverage. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Off-street parking availability
  • Number of drivers in the region
  • Area crime rates
  • Road safety
  • Local regulations

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. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Fort Bragg?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

But hold on! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Fort Bragg.

Compare the cheapest quotes from dozens of insurance companies

Fort Bragg Insurance FAQs

What factors affect car insurance quotes in Fort Bragg?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

Why is the cost of car insurance in Fort Bragg different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations 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 Fort Bragg?

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 Fort Bragg?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Fort Bragg or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes