Car Insurance in Fayetteville, NC – 2024 Average Rates + Cheapest

• Average car insurance in Fayetteville costs $1,476 per year, or $123 per month for full coverage.
• Fayetteville, North Carolina, auto insurance costs an average of $220 per year more than the North Carolina state average ($1,256) and $407 per year less than the U.S. national average rate ($1,883).
• For cheap car insurance in Fayetteville, vehicles like the Subaru Crosstrek, Acura Integra, Hyundai Ioniq 6, 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 $1,476 per year, which is 24.2% less than the U.S. average rate of $1,883. The average monthly cost of car insurance in Fayetteville is $123 for a policy that provides full coverage.

In the state of North Carolina, the average cost of car insurance is $1,256 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 $230 per year more than in Durham, $238 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 $1,226 per year for a 40-year-old driver who qualifies for a cheap discount rate to $3,396 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 $102 to $283.

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 – $5,258 per year or $438 per month
• 17-year-old rated driver – $5,093 per year or $424 per month
• 18-year-old rated driver – $4,566 per year or $381 per month
• 19-year-old rated driver – $4,157 per year or $346 per month
• 20-year-old rated driver – $2,972 per year or $248 per month
• 30-year-old rated driver – $1,578 per year or $132 per month
• 40-year-old rated driver – $1,476 per year or $123 per month
• 50-year-old rated driver – $1,308 per year or $109 per month
• 60-year-old rated driver – $1,224 per year or $102 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 $1,748 per year cheaper than for a 20-year-old driver.
• Fayetteville auto insurance prices are more expensive than the North Carolina state average – $1,476 (Fayetteville average) compared to $1,256 (North Carolina average)
• Average car insurance cost per month ranges from $102 to $438 – 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 $3,516 to $5,258 per year for teenage driver insurance in Fayetteville.
• Fayetteville, NC, average car insurance cost is less than the U.S. average – $1,476 (Fayetteville average) versus $1,883 (U.S. average)
• Low deductibles cost more than high deductibles – A 30-year-old driver pays an average of $398 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 $1,200 or less per year ($100 per month) for full coverage.

Additional vehicles that are ranked high in the cost comparison table below are the Volkswagen Tiguan, Volkswagen Taos, Nissan Murano, and Chevrolet Colorado. 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 $105 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 $1,090 per year for full coverage insurance up to the Ford Mustang Mach-E costing $1,730 per year, a difference of $640 within that segment. For another example, in the large truck segment, insurance rates range from the Nissan Titan costing $1,384 per year up to the Toyota Tundra at $1,756 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 $1,280 per year. Second place is the Nissan Leaf costing $1,294 per year, and in third place is the Honda Civic, costing an average of $1,306 per year.

Some other cars that have affordable insurance rates include the Hyundai Ioniq 6, Chevrolet Malibu, Kia K5, and Honda Accord, with average cost of $1,430 per year or less.

Additional models on the list include the Hyundai Sonata, Kia Forte, Volkswagen Jetta, and Mitsubishi Mirage G4, which cost between $1,430 and $1,530 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 $107 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 $107 per month and ending with the Mazda 3 at $128 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 $1,090 per year. Second place is the Chevrolet Trailblazer costing $1,108 per year, third place goes to the Kia Soul, costing an average of $1,150 per year, and ranking fourth is the Nissan Kicks, costing an average of $1,160 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 $1,208 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 $1,208 and $1,286 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 $91 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 $1,090 per year. For midsize SUVs, the Honda Passport is cheapest to insure at $1,176 per year. And for full-size SUVs, the Chevrolet Tahoe has the best rates at $1,386 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 $1,260 per year, the Nissan Titan at $1,384 per year, and the Nissan Frontier at $1,394 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 $1,522 per year or less.

Full-coverage insurance for this segment in Fayetteville will start around $105 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 $1,260 per year ($105 per month) and ending with the Ram Truck at $1,706 per year ($142 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 $1,364 per year. Second place is the Toyota GR86 at $1,554 per year, and the third cheapest is the Ford Mustang, costing an average of $1,622 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 $1,766 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 $114 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 $114 per month and ending with the Porsche Taycan at $209 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 $127 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 $1,550 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 $1,550 and $1,654 per year to insure.

From a monthly standpoint, auto insurance rates on this segment in Fayetteville can cost as low as $109 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 $1,312 per year, or $109 per month. For midsize luxury car models, the Mercedes-Benz CLA250 has the best rates at $1,518 per year, or $127 per month. And for full-size luxury cars, the Audi A5 has the most affordable rates at $1,746 per year, or $146 per month.

The rate comparison table below ranks the cars with the most affordable insurance rates in Fayetteville, starting with the Acura Integra at $109 per month and ending with the Audi S3 at $138 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 $1,234 per year, the Lexus NX 250 at $1,306 per year, and the Cadillac XT4 at $1,332 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 $1,422 per year or less.

As a cost per month, full-coverage car insurance in this segment will start around $103 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 $1,234 per year. For midsize 2024 models, the Jaguar E-Pace is the cheapest model to insure at $1,380 per year. And for large luxury SUVs, the Infiniti QX80 is the cheapest model to insure at $1,654 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 $1,352 per year, or around $113 per month, and ranges from $1,126 to $3,074 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 $1,328 per year, or about $111 per month, and varies from $1,102 to $3,032 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 $1,342 per year, or around $112 per month, and has a range of $1,118 to $3,072 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 $1,586 per year (about $132 per month) and ranges from $1,318 to $3,644 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 $1,614 per year ($135 per month) and ranges from $1,246 to $3,444 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 $250 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 $434 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 $2,110 per year for a 20-year-old driver and as much as $362 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 $232 per year versus a decent credit rating of 670-739. Conversely, a mediocre credit rating could cost as much as $269 more per year. Not all states use credit score as a rating factor, so check with your agent or company.