Fort Bragg, NC Car Insurance

The average monthly cost for car insurance in Fort Bragg is about $61. For information on policy rates, coverage, and more check out our guide below.
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How do rates in Fort Bragg measure up compared to neighboring areas, including North Carolina as a whole? What rates should residents of Fort Bragg expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:

How much is car insurance in Fort Bragg?

Area Average Monthly Car Insurance Premium
Fort Bragg$61
NC$53
United States$81

Coverage for your vehicle in Fort Bragg will typically run you about $8 a month more than in the rest of North Carolina.

When stacked up against the national average, the average monthly policy payment for Fort Bragg is more affordable. It's about $20 cheaper than the national average to insure your vehicle in Fort Bragg.

Although these are the average rates for auto insurance in Fort Bragg, it's important to remember that you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

We've broken down average rates for Fort Bragg to help you understand what your policy's monthly premium will cost. To find out if you're overpaying for your area, 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$60
25-34$67
35-44$53
55-64Not Enough Data
65+Not Enough Data

You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates start to rise again in Fort Bragg.

Average Car Insurance Rates by Gender

Gender Average
Male$61
Female$64

In general, women pay slightly less for car insurance than men. While male drivers actually pay slightly less than female drivers on their monthly auto coverage, the difference in Fort Bragg is only about $3 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$60
Multiple Accidents$98
1 Ticket$67
Multiple Tickets$104

Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Fort Bragg, drivers with one accident on their record will experience rates around $60 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $67.

Accidents, tickets, and other driving infractions can really hurt your wallet. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$60
2-3 Years$65
4-5 Years$67
6-7 Years$66
8-10 Years$57
11-14 Years$68
15 Years or Older$48

The cheapest vehicles to insure in Fort Bragg are usually trucks and vans, with each type typically costing about $53 per month.

Car owners, on the other hand, by and large pay around $61 a month, while SUV drivers can expect to pay about $67 per month for insurance coverage.

Vehicle age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Fort Bragg, vehicles eleven-to-fourteen years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$60
Married$64
Divorced$48

Generally speaking, those who are currently married will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Fort Bragg can be as much as $4 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$46
Rent$62

Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $16 a month more than drivers who own property in Fort Bragg. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Fort Bragg, NC

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.

Car insurance rates in Fort Bragg increased from 2017-2018, but began to turn downward in 2019. This pattern has continued through 2022 when rates have most recently hit $49.

How does Fort Bragg compare to neighboring areas?

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

There are a number of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:

  • Crime
  • Community regulations
  • Total drivers
  • Road safety
  • Availability of off-street parking

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Knowing 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 Fort Bragg?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Fortunately, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Fort Bragg.


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Fort Bragg Insurance FAQs

What factors affect car insurance quotes in Fort Bragg?

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, marital status, and address.

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

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

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Fort Bragg?

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Fort Bragg or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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