Best cheap car insurance in Fayetteville for 2021

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The cheapest car insurance in Fayetteville, Alabama, is offered by Travelers, with an average annual premium of $986 for full coverage insurance, according to Bankrate’s 2021 study of quoted annual premiums. The average cost of full coverage car insurance in Fayetteville is $1,556 per year. Premium data in this article is based on Talladega County, Alabama data since Fayetteville is a census-designated unincorporated community rather than a city.

In Fayetteville, Travelers’ average premium comes in $637 cheaper than the average cost of car insurance in Alabama at large, which is $1,623 per year for full coverage. If you’re interested in finding the best car insurance companies in Fayetteville for you, Bankrate compiled the top five picks in the area based on average premium, customer satisfaction and other factors that customers value.

Best cheap car insurance companies in Fayetteville

Some of the cheapest car insurance in Fayetteville for full coverage is offered by Travelers and USAA.

You may care about more than just price when it comes to your car insurance. To find the best car insurance in Fayetteville, Bankrate considered each company’s quoted annual premiums, third-party financial strength scores, discounts, policy offerings and customer satisfaction ratings to find the best affordable options for you. Using these categories, we created an individualized Bankrate Score to reflect each company’s overall performance.

The following table shows each company’s Bankrate Score, J.D. Power score and average annual premiums for the cheapest car insurance companies in Fayetteville, as provided by Quadrant Information Services. Since Fayetteville is a census-designated unincorporated community rather than a city, the following rates are based on Talladega County, Alabama.

Insurance company Bankrate Score J.D. Power score (Southeast region) Average annual premium for full coverage Average annual premium for min coverage
Travelers 4.5 831/1,000 $986 $356
USAA* 4.8 890/1,000 $1,238 $357
Allstate 3.8 838/1,000 $1,320 $415
State Farm 4.5 859/1,000 $1,329 $429
Farmers 3.7 818/1,000 $1,349 $383

*Not officially ranked with J.D. Power due to eligibility restrictions

Travelers

Travelers features the cheapest average annual full and minimum coverage premiums on our list. However, the provider comes in well below industry average in customer satisfaction for the Southeast region. Still, Travelers scored a financial strength rating of A++ (Superior) from AM Best, so you likely won’t have to worry when it comes to the company’s ability to pay out your claims. Travelers offers a wide range of policy options, including additional coverage options including new car replacement, accident forgiveness, ridesharing, loan or lease gap insurance and rental car coverage.

Learn more: Travelers Insurance review

USAA

USAA has the second-lowest average full and minimum coverage rates on our list. The company is renowned for its low rates and top-notch customer service. In fact, the company won the highest score in the Southeast in the 2021 J.D. Power U.S. Auto Insurance Study, though it was not officially eligible for ranking since the company only serves members of the U.S. military, veterans and qualifying family members.

Learn more: USAA Insurance review

Allstate

Allstate’s average full coverage premium in Fayetteville comes in $303 cheaper than the Alabama average. In addition to low rates, the company offers innovative programs like Drivewise, a telematics system that tracks your driving habits and rewards you for safe behaviors. However, it may be worth keeping in mind that Allstate received a slightly lower than average J.D. Power customer satisfaction rating.

Learn more: Allstate Insurance review

State Farm

State Farm’s average full coverage premium in Fayetteville is $294 cheaper than the Alabama average. The company also has the second-best J.D. Power customer satisfaction rating on our list. State Farm is known for top-notch customer service, providing a 24/7 customer helpline and thousands of local agents around the country. However, before choosing State Farm, be aware that the company has fewer specialized coverages than many of its competitors.

Learn more: State Farm Insurance review

Farmers

Farmers’ average full coverage insurance rate in Fayetteville is $274 cheaper than the Alabama average. Customers could save even more if they qualify for one or more of Farmers’ plentiful discounts, including claims-free, distant student, multi-vehicle and loyalty. However, before choosing Farmers, you may want to consider the company’s lower than average J.D. Power customer satisfaction score.

Learn more: Farmers Insurance review

How to get and keep the cheapest car insurance in Fayetteville

In addition to finding the best car insurance in Alabama, you may also want to find the cheapest car insurance. Below are a few tips for finding cheap car insurance companies and helping make sure your rates stay low.

How to find cheap car insurance in Fayetteville:

  • Shop around: Before committing to a certain auto insurance provider, you may want to request online quotes from multiple companies to see where you could get the best deal. You may also want to hunt for discounts and see which companies offer the best ones for you.
  • Know what coverage limits you need: In the state of Alabama, drivers must have car insurance that covers at least $25,000 per person for bodily injury liability, $50,000 per accident in bodily injury liability and $25,0000 in property damage liability. However, most insurance experts recommend purchasing full coverage insurance so that your finances are better protected in the event of an accident.

How to keep cheap car insurance in Fayetteville:

  • Keep clean driving records: In general, the better your driving habits are, the more affordable rates will be. Practicing safe driving habits can be as simple as keeping your car well-maintained, using your seatbelt, keeping a safe distance behind other drivers and complying with speed limits.
  • Reduce your claims risk: You may be able to reduce your claims risk by driving a vehicle equipped with safety features such as electronic stability control, side air bags, tire-pressure monitors and anti-lock brakes. Insurance providers typically see safer cars as less risky and may quote lower premiums.
  • Consider adjusting your coverage: Sometimes your insurance needs change. You may add a teen driver, move to a different state or ZIP code or get a mark on your driving record. To make sure you’re getting the cheapest rates possible, you may want to periodically get quotes from alternative insurance providers in Talladega County or check for discounts that could apply to you.

Frequently asked questions

What is the best car insurance company?

The best car insurance company will vary for everyone based on their policy needs and preferences. It can be helpful to generate online quotes from each of the top car insurance providers to see which one offers the cheapest car insurance for you. You can also look into which discounts you qualify for from each company. It helps to discuss your needs with an independent insurance agent, who can give you professional advice.

How can I lower my car insurance rates in Fayetteville?

One way to lower your car insurance in Fayetteville, Alabama, is to search for car insurance discounts that apply to you. If you’re a young driver, you may qualify for student discounts. If you hold multiple insurance policies, you might qualify for bundling discounts.

How much car insurance do I need in Fayetteville?

When looking for car insurance, Fayetteville residents may want to be aware of the state’s requirements. Alabama requires drivers in the state to have at least $25,000 per person for bodily injury liability, $50,000 per accident in bodily injury liability and $25,0000 in property damage liability coverage. While these limits are the minimum required by the state, most insurance experts recommend having higher liability limits, which is typically better able to protect your finances in the event of an accident.

You may also want to consider full coverage car insurance to provide physical damage coverage for your vehicle. The average cost of car insurance in Fayetteville is $1,556 per year for full coverage.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Lizzie Nealon
Insurance Writer
Lizzie Nealon is an insurance writer for Bankrate. Her favorite part of the job is making home, auto and life insurance digestible for readers so they can prepare for the future.
Edited by
Insurance Editor