Cheap Car Insurance in Fayetteville, NC
Everything You Need to Know About Auto Insurance in North Carolina
Located in southeastern North Carolina, Fayetteville is strategically situated between the Great Smoky Mountains and the Atlantic Ocean. It is most well-known for its strong military tradition, home to Fort Bragg, one of the largest military bases on the planet. It also has a strong colonial heritage as the site of many battles during the American Revolutionary War in the nation’s fight for independence.
Fayetteville’s most popular attractions include the Airborne and Special Operations Museum, Cape Fear Botanical Garden, Fayetteville Marksman hockey, and the downtown Fayetteville historic district with its impressive architecture and fantastic eateries.
Fayetteville drivers must have an active auto insurance policy in North Carolina. Failure to do so will result in fines and higher premiums that can derail your monthly budget for months and years to come. Continue reading about auto insurance in Fayetteville, including the average rates paid by age and zip code in the region.
How Much Does Car Insurance Cost in Fayetteville, NC?
Fayetteville residents pay an average monthly liability-only premium of $40 and an average full coverage premium of $110. That is lower than the national averages at $52 for minimum and $168 for full.
Reasons Why Insurance Is So Cheap in North Carolina
There are two major reasons why coverage is so cheap in North Carolina. One is the percentage of uninsured/underinsured motorists, and the other is a competitive market.
- Percentage of Uninsured/Underinsured Motorists. According to the Insurance Information Institute, about 8% of all North Carolina motorists are uninsured or underinsured (2019), putting it in 41st place in the country. For perspective, Mississippi leads the nation in the percentage of uninsured and underinsured motorists closer to 30%.
- Competitive Insurance Market. The high number of providers in the area leads to lower premium rates, thanks to competitiveness.
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Affordable Car Insurance Rates Comparison by Cities in North Carolina
To learn the average monthly premiums paid by cities throughout the state of North Carolina, refer to our breakdown below:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Fayetteville | $110 | $40 |
| Charlotte | $110 | $40 |
| Durham | $100 | $40 |
| Raleigh | $100 | $90 |
| Wilmington | $90 | $40 |
Affordable Fayetteville Car Insurance Rates by Zip Code
Every zip code in North Carolina pays a different average premium due to many factors, such as population density, local laws, traffic patterns, and demographic distribution. It’s no wonder that a college town sees much higher average rates than a town mostly made up of residents in their 30s, 40s, and 50s.
For the average monthly premium paid by Fayetteville residents by zip code, see our breakdown below:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 28301 | $100 | $40 |
| 28302 | $110 | $40 |
| 28303 | $110 | $40 |
| 28304 | $100 | $40 |
| 28345 | $100 | $40 |
| 28346 | $100 | $40 |
Low-Cost Car Insurance Rates by Age in Fayetteville
Unfortunately, younger drivers pay much higher premiums than older drivers for many reasons, such as lack of experience, higher risk profile, limited driving history, vehicle choices, and a lack of discount eligibility.
For the average monthly premium paid by Fayetteville residents by age, see our breakdown below:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $630 | $100 |
| 20s | $120 | $50 |
| 30s | $110 | $40 |
| 40s | $100 | $40 |
| 50s | $90 | $40 |
| 60s | $90 | $40 |
| 70s | $110 | $50 |
* Methodology: To determine average monthly premiums, we used a 30-year-old male with a liability-only insurance policy. Your specific rate will be influenced by hundreds of individual factors, including your age, gender, zip code of residence, chosen coverage, and even credit score in some states.
Driving Conditions in Fayetteville
How Many Fatal Accidents Happen in Fayetteville?
In 2021, there were 19 road traffic accidents in Fayetteville involving 34 vehicles, resulting in 21 fatalities. Of these accidents, a total of 51 people were involved, including two pedestrians,
How Are the Road Infrastructure and Bridges in Fayetteville?
Fayetteville has an active Public Works department that focuses on maintaining all city streets, including bridges, roads, and pedestrian pathways.
For more information on Fayetteville’s Public Works programs, visit PWC – Fayetteville’s Home Town Utility.
Minimum Car Insurance Requirements in Fayetteville
All North Carolina drivers must have policies with the following minimum liability limits or greater:
- Bodily Injury per Person: $30,000
- Bodily Injury per Accident: $60,000
- Property Damage per Accident: $25,000
When purchasing auto insurance, try to exceed the minimum limits as much as possible. For example, the average price of a new vehicle is more than $40,000, so a $25,000 property damage minimum barely scrapes the surface when it comes to paying off a significant fender bender accident, especially with more expensive vehicles.
If you want the greatest piece of mind, go for a 100/300/100 or similar limits.
What Are the Penalties for Driving Without Insurance in Fayetteville, NC?
Here are the penalties if caught driving without insurance in Fayetteville:
- Driver’s license and registration suspension with no proof of insurance provided within 10 days
- $50 civil penalty fee and $50 reinstatement fee for first-time offenders
- $100-$150 civil penalty and $50 reinstatement fee for repeat offenders
Remember that the minimum required car insurance in North Carolina is $30,000 in bodily injury per person, $60,000 in bodily injury per accident, and $25,000 in property damage.
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Factors Allowed in Fayetteville Car Insurance Rates
Every policyholder has his or her premiums calculated using the following factors (not an all-inclusive list):
- Age and gender
- Driving record
- Vehicle make and model
- Amount of deductible
- Zip code of residence
- Credit history
- Coverage levels
Auto Insurance Rates for Young Drivers vs. Older People in Fayetteville, NC
Expect auto insurance rates for younger drivers to be significantly higher than those for older drivers in Fayetteville, NC. Reasons for this include a higher incidence of risky driving behaviors and the choice of higher-performance vehicles, which have a higher cost of parts and labor.
Drivers in their 30s, 40s, and 50s are likely to have the lowest auto insurance rates (assuming a clean driving record) as driving records are more established by this age. Parents with teen drivers can save some money on their premiums by using the following strategies:
- Have your new driver listed on your policy.
- Check into discounts – is your teen a good student?
- If your teen will have their own vehicle, choose one with a good safety record.
- Bundle your home insurance and auto coverage to save money on your premium.
What Are the Best Discounts for Car Insurance in Fayetteville, NC?
Consider enrolling in discount programs if you’re interested in saving a few dollars off of your premium every month. You can be rewarded for everything from paying your annual premium upfront to enrolling in a defensive driving course and brushing up on your safe driving habits.
A small sampling of discounts available include:
Not all providers offer the same discounts, so we highly recommend you shop around and compare programs before signing on the dotted line.
Get an Online Quote for Car Insurance in Fayetteville Today!
Are you in the market for new auto insurance coverage? If so, Freeway Insurance is ready to help.
Feel free to connect with us in one of three ways. Visit us at an office near you, request a quote online , or speak with our friendly representatives by calling (800) 777-5620. Let us help you save some money today!