Car Insurance in Fayetteville, NC – 2025 Average Rates + Cheapest

• Average car insurance in Fayetteville costs $2,042 per year, or $170 per month for full coverage.
• Fayetteville, North Carolina, auto insurance costs an average of $220 per year more than the North Carolina state average ($1,822) and $179 per year less than the U.S. national average rate ($2,221).
• For cheap car insurance in Fayetteville, vehicles like the Subaru Crosstrek, Acura Integra, Kia K5, and Honda Passport have better auto insurance rates.
• Vehicles with segment-leading car insurance rates in Fayetteville include the Volvo XC40 (compact luxury SUV), Toyota Tacoma (midsize pickup), Mazda 6 (midsize car), and Acura ILX (midsize luxury car).

What is average car insurance cost in Fayetteville, NC?

The average price for car insurance in Fayetteville is $2,042 per year, which is 8.4% less than the U.S. average rate of $2,221. The average monthly cost of car insurance in Fayetteville is $170 for a policy that provides full coverage.

In the state of North Carolina, the average cost of car insurance is $1,822 per year, so the cost in Fayetteville averages $220 more per year. The cost to insure a vehicle in Fayetteville compared to other North Carolina cities is approximately $228 per year more than in Durham, $236 per year more than in Greensboro, and $330 per year more expensive than in Winston Salem.

The next chart displays additional costs for drivers age 20 to 60 by showing a range of rates based on a variety of different driver ages, policy deductibles, and policy risk factors.

Average car insurance rates in the chart range from $1,698 per year for a 40-year-old driver who qualifies for a cheap discount rate to $4,698 per year for a 30-year-old driver who has a few accidents and violations and has to buy a high risk policy.

When converted to a monthly cost, the average cost of car insurance per month in Fayetteville ranges from $142 to $392.

Car insurance rates have extreme variability and are impacted by a lot of factors. The potential for large differences in cost stresses the need for multiple auto insurance quotes when shopping online for a better price on car insurance in Fayetteville.

Driver age is one of the biggest factors in determining the cost of auto insurance, so the list below details how driver age influences cost by breaking down average car insurance rates in Fayetteville for young, middle-age, and senior drivers.

Fayetteville, NC, car insurance cost for drivers age 16 to 60

• 16-year-old rated driver – $7,275 per year or $606 per month
• 17-year-old rated driver – $7,047 per year or $587 per month
• 18-year-old rated driver – $6,316 per year or $526 per month
• 19-year-old rated driver – $5,750 per year or $479 per month
• 20-year-old rated driver – $4,108 per year or $342 per month
• 30-year-old rated driver – $2,180 per year or $182 per month
• 40-year-old rated driver – $2,042 per year or $170 per month
• 50-year-old rated driver – $1,812 per year or $151 per month
• 60-year-old rated driver – $1,698 per year or $142 per month

Models that are popular in Fayetteville tend to be compact or midsize sedans like the Toyota Corolla and Kia K5 and compact and midsize SUVs like the Toyota RAV4 and Ford Explorer.

A few additional popular models from different automotive segments include luxury SUVs like the Cadillac XT5 and Acura MDX, luxury cars like the Lexus ES 350 and Acura ILX, and pickup trucks like the Ford F-150 and Chevy Silverado.

We explore auto insurance rates for many more vehicles a little farther down this article, but before that, let’s take a condensed look at the key concepts that were discussed up to this point.

• Car insurance cost decreases the older you are – Car insurance rates for a 60-year-old driver in Fayetteville are $2,410 per year cheaper than for a 20-year-old driver.
• Fayetteville auto insurance prices are more expensive than the North Carolina state average – $2,042 (Fayetteville average) compared to $1,822 (North Carolina average)
• Average car insurance cost per month ranges from $142 to $606 – That is the average car insurance price range for drivers aged 16 to 60 in Fayetteville, NC.
• Insuring teenagers can cost a lot – Average cost ranges from $4,865 to $7,275 per year for teenage driver insurance in Fayetteville.
• Fayetteville, NC, average car insurance cost is less than the U.S. average – $2,042 (Fayetteville average) versus $2,221 (U.S. average)
• Low deductibles cost more than high deductibles – A 30-year-old driver pays an average of $552 more per year for a policy with $250 deductibles versus $1,000 deductibles.

Which vehicles have the cheapest car insurance rates?

When comparing vehicles from every automotive segment, the models with the best insurance prices in Fayetteville, NC, tend to be compact SUVs and crossovers like the Subaru Crosstrek, Chevrolet Trailblazer, and Nissan Kicks. Average car insurance prices for those small SUVs cost $1,660 or less per year ($138 per month) for full coverage.

Additional vehicles that are ranked high in the cost comparison table below are the Volkswagen Tiguan, Kia Niro, Nissan Murano, and Volkswagen Taos. The average cost is a little bit more for those models than the compact SUVs that rank at the top, but they still have average rates of $148 or less per month in Fayetteville.

The table below details the 25 models with the cheapest car insurance in Fayetteville, sorted by average cost.

A table of 25 ranked vehicles is not the most useful way to show the complete picture of car insurance rates in Fayetteville. A better way to analyze rates in a logical manner is to sort them by automotive segment.

The section below illustrates the different automotive segments and the average cost of car insurance in Fayetteville. This will provide a better understanding of the general vehicle types that have the overall least expensive Fayetteville auto insurance rates. The six sections following the chart show the cheapest rates for individual models in each unique segment.

Average car insurance rates by segment

If you’re looking around at new or used cars, it’s useful to have an idea of which types of vehicles have less expensive car insurance rates. To illustrate this, you may be curious if compact SUVs are cheaper to insure than minivans or if full-size pickups have cheaper insurance than midsize pickups.

The next chart displays average car insurance rates by segment in Fayetteville. In general, compact SUVs and midsize pickup trucks have the most affordable rates, with sports cars and performance luxury models having the most expensive average insurance cost.

Rates by different vehicle segments are useful for blanket comparisons, but cost ranges quite a lot within each segment displayed above.

For example, in the small SUV segment, average Fayetteville insurance rates range from the Subaru Crosstrek at $1,510 per year for full coverage insurance up to the Ford Mustang Mach-E costing $2,390 per year, a difference of $880 within that segment. For another example, in the large truck segment, insurance rates range from the Nissan Titan costing $1,908 per year up to the Toyota Tundra at $2,432 per year.

In the next sections of the article, we eliminate this variability by looking at the cost of car insurance in Fayetteville from the perspective of the vehicle model.

Cheapest car insurance rates in Fayetteville, NC

Sitting at number one in Fayetteville for cheapest average insurance in the non-luxury sedan segment is the Toyota GR Corolla, at an average of $1,774 per year. Second place is the Nissan Leaf costing $1,790 per year, and in third place is the Honda Civic, costing an average of $1,808 per year.

Some other cars that have affordable insurance rates include the Toyota Prius, Toyota Corolla, Honda Accord, and Chevrolet Malibu, with average cost of $1,992 per year or less.

Additional models on the list include the Hyundai Sonata, Volkswagen Arteon, Volkswagen Jetta, and Mitsubishi Mirage G4, which cost between $1,992 and $2,112 per year to insure in Fayetteville.

On a monthly basis, full-coverage insurance in Fayetteville on this segment for a good driver will start around $148 per month, depending on the company and where you live.

The comparison table below ranks the twenty cars with the lowest-cost car insurance in Fayetteville, starting with the Toyota GR Corolla at $148 per month and ending with the Mazda 3 at $176 per month.

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see rates for your vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Fayetteville car insurance quotes from top companies in North Carolina.

Cheapest SUV insurance rates in Fayetteville, NC

Sitting at number one in Fayetteville for cheapest average insurance in the SUV segment is the Subaru Crosstrek, costing an average of $1,510 per year. Second place is the Chevrolet Trailblazer costing $1,536 per year, third place goes to the Kia Soul, costing an average of $1,596 per year, and ranking fourth is the Nissan Kicks, costing an average of $1,608 per year.

Not the cheapest to insure, but still ranked well, are models like the Buick Envision, Hyundai Venue, Toyota Corolla Cross, and Mazda CX-5, with average insurance cost of $1,674 per year or less.

Additional SUVs that make the list include the Kia Niro, Nissan Murano, Volkswagen Tiguan, and Honda CR-V, which cost between $1,674 and $1,778 per year for full-coverage insurance.

From a cost per month standpoint, full-coverage auto insurance in Fayetteville on this segment for an average middle-age driver will start around $126 per month, depending on where you live and the company you use.

When the SUV segment is analyzed by vehicle size, the cheapest compact SUV to insure in Fayetteville is the Subaru Crosstrek at $1,510 per year. For midsize SUVs, the Honda Passport is cheapest to insure at $1,628 per year. And for full-size SUVs, the Chevrolet Tahoe has the best rates at $1,918 per year.

The comparison table below ranks the twenty SUVs with the most affordable car insurance rates in Fayetteville.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Looking for rates for a different SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Fayetteville car insurance quotes from the best auto insurance companies in North Carolina.

Cheapest pickup truck insurance rates

The three top-ranked pickup trucks with the lowest-cost auto insurance rates in Fayetteville are the Chevrolet Colorado at $1,800 per year, the Nissan Titan at $1,908 per year, and the Nissan Frontier at $1,932 per year.

Some other pickups that have good average insurance rates include the Honda Ridgeline, GMC Sierra 2500 HD, Hyundai Santa Cruz, and Toyota Tacoma, with an average cost to insure of $2,102 per year or less.

Full-coverage insurance for this segment in Fayetteville will start around $150 per month, depending on your company and location.

The rate comparison table below ranks the twenty pickups with the cheapest auto insurance rates in Fayetteville, starting with the Chevrolet Colorado at $1,800 per year ($150 per month) and ending with the Ram Truck at $2,364 per year ($197 per month).

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see rates for your pickup? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Fayetteville car insurance quotes from top-rated companies in North Carolina.

Most affordable sports car insurance rates

Sitting at number one in Fayetteville for cheapest auto insurance in the sports car segment is the Mazda MX-5 Miata, coming in at $1,892 per year. Second place is the Toyota GR86 at $2,152 per year, and the third cheapest is the Ford Mustang, costing an average of $2,244 per year.

Not the cheapest to insure, but still ranked well, are models like the BMW M2, Toyota GR Supra, Nissan Z, and Lexus RC F, with average cost of $2,444 per year or less.

On a monthly basis, full-coverage car insurance on this segment in Fayetteville for an average middle-age driver can cost as low as $158 per month, depending on where you live and the company you use. The next table ranks the sports cars with the lowest-cost insurance in Fayetteville, starting with the Mazda MX-5 Miata at $158 per month and ending with the Porsche Taycan at $288 per month.

Don’t see your sports car in the list? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Fayetteville.

Luxury cars with cheap insurance rates

Ranking in the top five for the cheapest Fayetteville auto insurance rates in the luxury car segment are the Acura Integra, Mercedes-Benz CLA250, Acura TLX, BMW 330i, and Lexus IS 300. Auto insurance prices for these models average $176 or less per month.

Additional models that have good average insurance rates include the Lexus ES 350, Mercedes-Benz AMG CLA35, Genesis G70, and Lexus RC 300, with average rates of $2,148 per year or less.

Ranking between positions 10 and 20, cars like the Lexus IS 350, BMW 230i, BMW 228i, Lexus ES 300h, BMW 330e, and Lexus ES 250 cost between $2,148 and $2,292 per year to insure.

From a monthly standpoint, auto insurance rates on this segment in Fayetteville can cost as low as $152 per month, depending on your location and insurance company.

When vehicle size is considered, the most affordable compact luxury car to insure in Fayetteville is the Acura Integra at $1,818 per year, or $152 per month. For midsize luxury car models, the Mercedes-Benz CLA250 has the best rates at $2,102 per year, or $175 per month. And for full-size luxury cars, the Audi A5 has the most affordable rates at $2,426 per year, or $202 per month.

The rate comparison table below ranks the cars with the most affordable insurance rates in Fayetteville, starting with the Acura Integra at $152 per month and ending with the Audi S3 at $191 per month.

See our guide for luxury car insurance to compare rates for all makes and models.

Need rates for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Fayetteville car insurance quotes from top-rated auto insurance companies in North Carolina.

Luxury SUVs with cheap auto insurance rates

The lowest-cost luxury SUV models to insure in Fayetteville are the Acura RDX at $1,708 per year, the Lexus NX 250 at $1,808 per year, and the Cadillac XT4 at $1,846 per year.

Additional models that have affordable insurance rates are the Lexus UX 250h, Lexus NX 350h, Lexus NX 450h, and Lincoln Corsair, with an average car insurance cost of $1,970 per year or less.

As a cost per month, full-coverage car insurance in this segment will start around $142 per month, depending on the company and where you live.

The most affordable compact luxury SUV to insure in Fayetteville is the Acura RDX at $1,708 per year. For midsize 2024 models, the Jaguar E-Pace is the cheapest model to insure at $1,910 per year. And for large luxury SUVs, the Infiniti QX80 is the cheapest model to insure at $2,292 per year.

The table below ranks the twenty luxury SUVs with the most affordable average auto insurance rates in Fayetteville.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Don’t see rates for your luxury SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in North Carolina.

The highs and lows of auto insurance

In an effort to clarify the amount that auto insurance premiums can change between drivers, the sections below show many different rates for five popular models in Fayetteville: the Nissan Sentra, Nissan Rogue, Toyota Highlander, Toyota Camry, and Toyota Supra.

Each chart shows rates for a variety of different driver profiles to demonstrate the cost fluctuation with minor changes to the policy rating factors.

Nissan Sentra insurance rates

Car insurance for a Nissan Sentra in Fayetteville costs an average of $1,872 per year, or around $156 per month, and ranges from $1,552 to $4,254 annually.

The Nissan Sentra is part of the compact car segment, and other models in the same segment include the Volkswagen Jetta, Toyota Corolla, and Chevrolet Cruze.

Nissan Rogue insurance rates

Car insurance for a Nissan Rogue in Fayetteville costs an average of $1,836 per year, or about $153 per month, and varies from $1,526 to $4,198 per year.

The Nissan Rogue is part of the compact SUV segment, and other models from that segment that are popular in Fayetteville, NC, include the Mazda CX-5, Chevrolet Equinox, Honda CR-V, and Ford Escape.

Toyota Highlander insurance rates

Toyota Highlander insurance in Fayetteville averages $1,858 per year, or around $155 per month, and has a range of $1,546 to $4,248 per year.

The Toyota Highlander belongs to the midsize SUV segment, and additional models from the same segment that are popular in Fayetteville include the Kia Sorento, Ford Explorer, and Kia Telluride.

Toyota Camry insurance rates

In Fayetteville, Toyota Camry insurance averages $2,196 per year (about $183 per month) and ranges from $1,824 to $5,046 per year for the sample risk profiles in the chart.

The Toyota Camry is part of the midsize car segment, and other popular same-segment models include the Kia K5, Chevrolet Malibu, Honda Accord, and Hyundai Sonata.

Toyota Supra insurance rates

Toyota Supra insurance in Fayetteville averages $2,230 per year ($186 per month) and ranges from $1,724 to $4,766 per year.

The Toyota Supra is a sports car, and other similar models that are popular in Fayetteville, NC, include the Chevrolet Corvette, Subaru BRZ, Chevrolet Camaro, and Ford Mustang.

How to find cheaper car insurance in Fayetteville

Drivers are always looking to reduce their monthly auto insurance expenses. So scan the tips and ideas in the list below and it’s very likely you can save some money the next time you buy a policy.

• More policy discounts means cheap auto insurance rates. Discounts may be available if the policyholders insure their home and car with the same company, are good students, work in certain occupations, take a defensive driving course, or many other policy discounts which could save the average Fayetteville driver as much as $344 per year on auto insurance.
• Choose a vehicle with cheaper car insurance rates. Vehicle performance is one of the biggest factors in the price you pay for car insurance in Fayetteville. For example, a Hyundai Kona costs $606 less per year to insure in Fayetteville than a Subaru BRZ. Lower performance vehicles cost less to insure.
• Compare car insurance quote before buying a car. Different vehicle models have significantly different auto insurance rates, and insurance companies can sell coverages with widely varying rates. Get quotes to compare the cost of insurance before you buy in order to prevent insurance sticker shock when buying insurance.
• Negligent drivers pay higher auto insurance rates. Too many at-fault accidents can cost more, potentially by an extra $2,918 per year for a 20-year-old driver and as much as $500 per year for a 60-year-old driver. So be safe and save.
• Raise your credit for better rates. Having a high credit score of 800+ could save as much as $321 per year versus a decent credit rating of 670-739. Conversely, a mediocre credit rating could cost as much as $372 more per year. Not all states use credit score as a rating factor, so check with your agent or company.