Cheapest Car Insurance Quotes in Moravia

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399,755 Policies Sold

Moravia Car Insurance

^$ 18

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Moravia

The car insurance rate in Moravia is $755 for a six-month policy, which is $56 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $397, making it a popular choice for budget-conscious drivers. Rates in Moravia can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Moravia

$755

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Moravia

1st place: West Bend Mutual

At $397 for a six month policy, West Bend Mutual offers the cheapest auto insurance rates in the city.

2nd place: Grange

Grange offers auto insurance rates at $449 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $475 for six months, making it the third cheapest auto insurance company in Moravia.

Moravia Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Moravia, IA is West Bend Mutual, offering policies at just $397 for a six-month term. This is followed by Grange, which has an average six-month premium of $449.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1482 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Moravia drivers find the best deals.

Cheap Car Insurance Companies in Moravia, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$397	$66
Grange	$449	$77
Travelers	$475	$80
Auto-Owners Insurance Co	$482	$82
Hastings Mutual	$494	$82
Westfield	$526	$90
IMT Insurance Company	$545	$91
State Farm	$648	$109
American Family	$667	$112
USAA	$712	$120
Pekin	$725	$121
Progressive	$731	$123
Auto-Owners	$886	$148
Farm Bureau Mutual (IA Group)	$892	$151
Farm Bureau	$1001	$166
Nationwide	$1187	$202
Grinnell Mutual	$1296	$216
Allstate	$1482	$249

Key Takeaways

Way's key takeaways about car insurance in Moravia

The auto insurance costs in Moravia fall around $397 for six months.
The cheapest auto insurance company in Moravia is Pekin.
Teen drivers pay the highest rate in Moravia at $638 per month.

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Cheapest Minimum Liability Car Insurance in Moravia

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Moravia are given below.

Pekin provides the cheapest minimum car insurance coverage in Moravia. Their Average 6 Month Premium is $109. West Bend is the most expensive at $135 for the same period.

Cheapest Liability Coverage in Moravia, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$109	$18
Westfield	$116	$19
Hastings Mutual	$122	$21
Progressive	$129	$22
West Bend Mutual	$129	$22
USAA	$135	$23
Grange	$141	$24
State Farm	$141	$24
Farm Bureau Mutual (IA Group)	$154	$26
Auto-Owners Insurance Co	$161	$27
Iowa Farm Bureau	$173	$29
Travelers	$179	$30
Farm Bureau	$186	$31
American Family	$192	$32
Auto-Owners	$205	$35
Grinnell Mutual	$288	$49
Allstate	$423	$71
Nationwide	$449	$77
West Bend	$135	$23

Cheapest Full Coverage Car Insurance in Moravia

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Moravia is West Bend Mutual at $66 per month and $397 for six months.

Cheapest Full Coverage Car Insurance Quotes in Moravia, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$397	$66
Grange	$449	$77
Travelers	$475	$80
Auto-Owners Insurance Co	$482	$82
Hastings Mutual	$494	$82
Westfield	$526	$90
IMT Insurance Company	$545	$91
State Farm	$648	$109
American Family	$667	$112
USAA	$712	$120
Pekin	$725	$121
Progressive	$731	$123
Auto-Owners	$886	$148
Farm Bureau Mutual (IA Group)	$892	$151
Farm Bureau	$1001	$166
Nationwide	$1187	$202
Grinnell Mutual	$1296	$216
Allstate	$1482	$249

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Average Car Insurance in Moravia by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Moravia, IA increasing?

Despite maintaining a clean driving record, your car insurance rates in Moravia, Iowa, may be increasing due to several external factors. Iowa has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Moravia's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Moravia

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Moravia,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Moravia at $24 per month. At $3753 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$141	$24
Grange	$161	$27
West Bend Mutual	$173	$29
Iowa Farm Bureau	$199	$33
Travelers	$674	$113
USAA	$840	$141
Progressive	$1264	$213
State Farm	$1437	$242
American Family	$1700	$286
Farm Bureau	$2188	$365
Farm Bureau Mutual (IA Group)	$2406	$409
Auto-Owners	$2451	$408
Grinnell Mutual	$2913	$496
Allstate	$3208	$540
Nationwide	$3753	$638

Teen Car Insurance Rates in IA by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Moravia, Grange is the cheapest car insurance provider. At $186 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Moravia is Grinnell Mutual, offering rates of around $2278 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$186	$31
Westfield	$225	$38
West Bend Mutual	$231	$39
Travelers	$251	$42
Progressive	$725	$122
American Family	$834	$140
State Farm	$1552	$261
Nationwide	$1693	$288
Farm Bureau	$1726	$287
Allstate	$2245	$382
Auto-Owners	$2265	$377
Grinnell Mutual	$2278	$388

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Car Insurance Rates with An Accident in Moravia

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Moravia, IA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Moravia

The cheapest car insurance companies after an at-fault accident in Moravia include Hastings Mutual and Pekin, offering $122 and $148, respectively. Allstate is an expensive provider with an average six-month premium of $2034.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$122	$21
Pekin	$148	$25
Western National	$192	$32
Westfield	$192	$32
Grange	$218	$37
Auto-Owners Insurance Co	$225	$38
West Bend Mutual	$225	$38
State Farm	$469	$79
Travelers	$482	$81
Progressive	$680	$114
Grinnell Mutual	$770	$130
American Family	$886	$149
USAA	$988	$164
Auto-Owners	$1161	$198
Farm Bureau Mutual (IA Group)	$1315	$219
Farm Bureau	$1630	$278
Nationwide	$1886	$314
Allstate	$2034	$342

Moravia Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Moravia IA. For example, the car insurance in Moravia after a DUI increases to $769 for a six month policy. While the rate increases by $109 for a six-month policy in the case of a speeding ticket.

Moravia auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$905	$151
One Med/PIP claim	$917	$156
Not-at-fault accident	$943	$158
One comp claim	$969	$165
Two Med/PIP claims	$995	$165
Child safety restraint	$1014	$173
Failure to show documents	$1014	$168
Failure to wear a seat belt	$1014	$173
Speeding 6 - 10 MPH over limit	$1014	$168
Two comp claims	$1014	$173
Driving without lights	$1020	$170
Driving with expired registration	$1045	$178
Failure to yield	$1045	$174
Illegal turn	$1045	$178
Failure to stop at a red light	$1052	$175
Wrong way/wrong lane	$1058	$180
Cell phone violation	$1065	$177
Driving too slowly	$1065	$181
Speeding 11 - 15 MPH over limit	$1065	$177
Texting while driving	$1065	$181
Speeding 16 - 20 MPH over limit	$1071	$178
Speeding in school zone	$1084	$185
Improper passing	$1091	$181
Following too closely	$1097	$187
At-fault accident - less than $1000	$1117	$186
Passing school bus	$1135	$193
Operating a vehicle without permission	$1193	$199
At-fault accident - $1000-$2000	$1213	$206
Speeding 21 - 25 MPH over limit	$1213	$202
At-fault accident - greater than $2000	$1219	$207
In 65 MPH zone	$1302	$217
Open container	$1373	$233
Racing	$1547	$258
Driving with a suspended license	$1578	$268
Reckless driving	$1617	$269
Refusal to submit to a chemical test	$1643	$280
DUI	$1674	$279
Leaving scene of an accident/hit and run	$1693	$288

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Moravia after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Moravia.

The cheapest car insurance premiums in Moravia are offered by Western National at $192 for a six-month policy. However, it can be as expensive as $2509 with companies like Grinnell Mutual.

Moravia car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$192	$32
Grange	$251	$42
Travelers	$251	$42
West Bend Mutual	$251	$42
Progressive	$482	$81
State Farm	$558	$94
American Family	$917	$154
Allstate	$1970	$335
Auto-Owners	$2097	$350
Farm Bureau	$2188	$372
Nationwide	$2348	$391
Grinnell Mutual	$2509	$427

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Moravia are offered by Westfield at $141. However, it can be as expensive as $1643 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Moravia after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$141	$24
West Bend Mutual	$166	$28
Western National	$192	$32
Iowa Farm Bureau	$212	$36
Travelers	$212	$36
Grange	$218	$37
State Farm	$366	$62
Progressive	$539	$91
American Family	$648	$109
Farm Bureau	$1226	$204
Grinnell Mutual	$1296	$220
Nationwide	$1488	$248
Auto-Owners	$1540	$261
Allstate	$1643	$273

Car Insurance Price Trends in Moravia, Iowa

Car insurance rates in Moravia have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Moravia remained steady at $151 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Moravia remained steady at $31 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Moravia?

The car insurance in Moravia is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Moravia?

The cheapest car insurance in Moravia is $66 per month for full coverage.

How much is car insurance in Moravia for teenagers?

Car insurance for teenagers costs $141 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Moravia?

The average cost of car insurance is $699 for a six-month policy. It will cost around $126 per month to insure your car in Moravia.

Is car insurance expensive in Moravia?

Car insurance can be expensive in Moravia if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Moravia can be affordable.

Cheapest Car Insurance Quotes in Moravia

Why you can trust Way?

How Much Is Car Insurance in Moravia

Avg. Car Insurance in Moravia

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Moravia

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Moravia Car Insurance Rates by Company

Cheap Car Insurance Companies in Moravia, IA

Way's key takeaways about car insurance in Moravia

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Moravia

Cheapest Liability Coverage in Moravia, IA

Cheapest Full Coverage Car Insurance in Moravia

Cheapest Full Coverage Car Insurance Quotes in Moravia, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Moravia by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Moravia, IA increasing?

Car Insurance Premiums by Age in Moravia

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Moravia,IA

If you are in your twenties N/A is the best choice for car insurance in Moravia.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Moravia

Cheapest Car Insurance Companies after an At-Fault Accident in Moravia

Moravia Car Insurance Rates by Violation

Moravia auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Moravia after a DUI

Moravia car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Moravia after Speeding ticket

Car Insurance Price Trends in Moravia, Iowa

Average Car Insurance Cost in Moravia by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Moravia, IA

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