Average car insurance cost in Fayetteville

The average car insurance rate in Fayetteville for full coverage is $1,875 per year or $156 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Fayetteville is $440 per year. The state minimum liability limits are 25/50/25.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$937
Average annual premium$1,875
State minimum premium$440

Cheapest car insurance companies in Fayetteville

Travelers offers the cheapest rates on average at $1,360 per year. Geico is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Fayetteville.

CompanyAverage 6 month rateAverage annual rate
Travelers$680$1,360
Geico$701$1,402
Nationwide$758$1,515
Shelter Insurance$777$1,554
State Farm$907$1,814
Southern Farm Bureau$1,023$2,047
Farmers$1,042$2,085
Progressive$1,134$2,268
Allstate$1,197$2,395
Alfa Insurance$1,580$3,159
USAA$511$1,022

Cheapest car insurance cost in Fayetteville by age group

Car insurance rates in Fayetteville vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Fayetteville by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: Travelers
  • Cheapest for young adults: Travelers
  • Cheapest for adults: Geico
  • Cheapest for seniors: Geico

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Travelers offers the cheapest car insurance for teens at $3,685 per year.

Travelers offers the most affordable auto insurance for young adults at $2,080 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Geico provides the lowest car insurance rates at $1,378 per year for adult drivers in Fayetteville.

Geico offers the least expensive car insurance for senior drivers in Fayetteville, at $1,313 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
Geico$4,897$2,195$1,378$1,313
Travelers$3,685$2,080$1,384$1,371
Nationwide$5,482$2,661$1,490$1,456
Shelter Insurance$4,745$2,865$1,612$1,450
State Farm$5,395$3,085$1,829$1,761
Farmers$9,454$2,762$1,990$2,086
Southern Farm Bureau$4,142$2,981$2,056$1,890
Progressive$10,158$3,619$2,295$2,181
Allstate$10,752$3,902$2,373$2,455
Alfa Insurance$6,343$4,178$3,016$2,941
USAA$3,410$1,459$1,027$1,039

Cheapest car insurance companies in Fayetteville by driver profile

Car insurance rates in Fayetteville vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Fayetteville by driver profile.

Cheapest for a driver with poor credit: Geico

Geico is the most affordable car insurance for drivers with poor credit. On average, drivers in Fayetteville pay about $2,154 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Fayetteville.

CompanyAverage 6 month premiumAverage annual premium
Geico$1,077$2,154
Travelers$1,159$2,318
Nationwide$1,183$2,365
Progressive$1,949$3,898
Allstate$2,024$4,048
Farmers$2,230$4,459
State Farm$4,434$8,868
USAA$960$1,920

Cheapest auto insurance after an at-fault accident: Travelers

In Fayetteville, Travelers offers the cheapest car insurance for drivers with at-fault accident at $1,943 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Fayetteville.

CompanyAverage 6 month premiumAverage annual premium
Travelers$972$1,943
State Farm$1,044$2,088
Geico$1,208$2,416
Nationwide$1,302$2,603
Farmers$1,663$3,325
Allstate$1,750$3,499
Progressive$1,759$3,517
USAA$748$1,495

Cheapest auto insurance after a DUI: State Farm

State Farm offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $1,936 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Fayetteville.

CompanyAverage 6 month premiumAverage annual premium
State Farm$968$1,936
Travelers$1,035$2,070
Progressive$1,252$2,504
Geico$1,302$2,603
Allstate$1,581$3,161
Nationwide$1,679$3,357
Farmers$2,371$4,742
USAA$986$1,971

Cheapest for drivers with a speeding ticket: State Farm

State Farm offers the cheapest car insurance at $1,936 in Fayetteville for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
State Farm$968$1,936
Travelers$1,049$2,097
Geico$1,154$2,308
Nationwide$1,226$2,452
Allstate$1,386$2,771
Progressive$1,472$2,944
Farmers$1,840$3,679
USAA$608$1,215

Car insurance discounts for Fayetteville drivers

The biggest car insurance discount available in Fayetteville is for the years insured category at 49.13%, offered by Auto Club Enterprises (AAA).

Car insurance is essential for drivers in Fayetteville, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Fayetteville drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$2,7930.67%$19
Air BagsAuto-Owners$1,8521.16%$22
Air BagsGeico$1,7781.69%$30
Air BagsNationwide$1,7081.64%$28
Air BagsShelter Insurance$1,8240.27%$5
Anti-Theft DeviceAuto Club Enterprises (AAA)$1,8803.03%$57
Anti-Theft DeviceAuto-Owners$1,8521.82%$34
Anti-Theft DeviceGeico$1,7781.16%$21
Daily CommuteAuto-Owners$1,8528.98%$166
Daily CommuteShelter Insurance$1,8240.99%$18
Days Advanced PurchaseAlfa Corporation$2,6880.79%$21
Days Advanced PurchaseAllstate$2,79310.36%$289
Days Advanced PurchaseAuto Club Enterprises (AAA)$1,8801.91%$36
Days Advanced PurchaseAuto-Owners$1,8525.99%$111
Days Advanced PurchaseFarmers$1,7679.77%$173
Days Advanced PurchaseNationwide$1,7085.97%$102
Days Advanced PurchaseProgressive$1,7386.72%$117
Days Advanced PurchaseShelter Insurance$1,8243.67%$67
Days Advanced PurchaseTravelers$1,3815.35%$74
Days Per Week DrivenShelter Insurance$1,8240.99%$18
EducationGeico$1,77821.48%$382
EducationProgressive$1,7382.44%$42
Electronic Funds TransferAlfa Corporation$2,6884.15%$112
Electronic Funds TransferAllstate$2,7934.32%$121
Electronic Funds TransferFarmers$1,7671.96%$35
Electronic Funds TransferTravelers$1,3813.84%$53
HomeownerAlfa Corporation$2,6881.27%$34
HomeownerAllstate$2,7937.22%$202
HomeownerAuto-Owners$1,8526.98%$129
HomeownerFarmers$1,7670.92%$16
HomeownerGeico$1,7784.72%$84
HomeownerProgressive$1,7388.61%$150
Lower Annual MileageAuto Club Enterprises (AAA)$1,8801.76%$33
Lower Annual MileageGeico$1,7783.45%$61
Lower Annual MileageShelter Insurance$1,8242.85%$52
Lower Annual MileageState Farm$1,2179.53%$116
Lower Annual MileageTravelers$1,3819.08%$125
Loyalty - Years Renewal With CompanyAlfa Corporation$2,6882.03%$55
Loyalty - Years Renewal With CompanyAuto Club Enterprises (AAA)$1,88010.61%$200
Loyalty - Years Renewal With CompanyShelter Insurance$1,8245.05%$92
Loyalty - Years Renewal With CompanySouthern Farm Bureau$1,8893.29%$62
Loyalty - Years Renewal With CompanyState Farm$1,21720.40%$248
Marital StatusAlfa Corporation$2,68821.54%$579
Marital StatusAllstate$2,7934.27%$119
Marital StatusNationwide$1,7088.14%$139
Marital StatusProgressive$1,73818.93%$329
Marital StatusSouthern Farm Bureau$1,8899.66%$182
Multi PolicyAlfa Corporation$2,6881.27%$34
Multi PolicyAllstate$2,79310.32%$288
Multi PolicyAuto Club Enterprises (AAA)$1,8807.62%$143
Multi PolicyAuto-Owners$1,8527.79%$144
Multi PolicyFarmers$1,7677.26%$128
Multi PolicyGeico$1,7785.94%$106
Multi PolicyNationwide$1,7083.91%$67
Multi PolicyProgressive$1,73813.40%$233
Multi PolicySouthern Farm Bureau$1,88924.34%$460
Multi PolicyState Farm$1,21711.89%$145
Multi PolicyTravelers$1,3817.12%$98
Paperless/Electornic DocumentsAlfa Corporation$2,6881.96%$53
Paperless/Electornic DocumentsAllstate$2,7938.63%$241
Paperless/Electornic DocumentsFarmers$1,7675.94%$105
Paperless/Electornic DocumentsNationwide$1,7083.75%$64
Paperless/Electornic DocumentsProgressive$1,7380.98%$17
Payment TypeAlfa Corporation$2,6882.77%$74
Payment TypeAllstate$2,7938.91%$249
Payment TypeAuto-Owners$1,85213.99%$259
Payment TypeFarmers$1,7674.94%$87
Payment TypeShelter Insurance$1,82412.01%$219
Payment TypeTravelers$1,3818.86%$122
Primary UseAllstate$2,7937.02%$196
Primary UseAuto Club Enterprises (AAA)$1,8809.37%$176
Primary UseAuto-Owners$1,85214.01%$260
Primary UseNationwide$1,7087.49%$128
Primary UseShelter Insurance$1,82413.38%$244
Primary UseSouthern Farm Bureau$1,88918.09%$342
Primary UseState Farm$1,21711.50%$140
Primary UseTravelers$1,3814.33%$60
ProfessionGeico$1,7788.65%$154
ProfessionProgressive$1,7389.36%$163
Safety DevicesAllstate$2,7937.02%$196
Safety DevicesAuto-Owners$1,8522.91%$54
Safety DevicesGeico$1,7782.53%$45
Safety DevicesProgressive$1,7384.95%$86
TelematicsProgressive$1,73810.01%$174
TelematicsState Farm$1,2177.72%$94
Years InsuredAlfa Corporation$3,64526.26%$957
Years InsuredAllstate$4,04026.36%$1,065
Years InsuredAuto Club Enterprises (AAA)$3,66249.13%$1,799
Years InsuredAuto-Owners$2,22016.56%$368
Years InsuredFarmers$2,53724.49%$621
Years InsuredGeico$2,67114.02%$375
Years InsuredProgressive$2,1896.91%$151
Years InsuredTravelers$2,46934.39%$849
Years LicensedAuto Club Enterprises (AAA)$4,51416.52%$746
Years LicensedFarmers$3,96435.99%$1,427
Years LicensedGeico$3,73724.43%$913
Years LicensedNationwide$2,28716.44%$376
Years LicensedProgressive$3,08525.29%$780
Years LicensedState Farm$1,51617.25%$262
Years LicensedTravelers$4,04835.02%$1,418

How to get cheap car insurance in Fayetteville in 2025

Find affordable car insurance in Fayetteville by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Fayetteville.

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.