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Finding the cheapest car insurance quotes in Cedar Falls shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Cedar Falls
The car insurance rate in Cedar Falls is $929 for a six-month policy, which is $27 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $416, making it a popular choice for budget-conscious drivers. Rates in Cedar Falls 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.
At $416 for a six
month policy, Erie offers
the cheapest
auto
insurance rates in the city.
2nd place: Progressive
Progressive offers auto
insurance rates at $495 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: State Farm
State Farm offers auto insurance
rates at $569
for six months, making it
the third cheapest auto insurance company in Cedar Falls.
Cedar Falls Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Cedar Falls, NC is Erie, offering policies at just $416 for a six-month term. This is followed by Progressive, which has an average six-month premium of $495.
At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1187 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cedar Falls drivers find the best deals.
Way's key takeaways about car insurance in Cedar Falls
The auto insurance costs in Cedar Falls fall around $416 for six
months.
The cheapest auto insurance company in Cedar Falls is Erie.
Teen drivers pay the highest rate in Cedar Falls at $63 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Cedar Falls
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 Cedar Falls are given below.
Erie provides
the cheapest minimum car insurance
coverage in Cedar Falls. Their Average 6 Month Premium is $183.
National Farmers Union Insurance is the most
expensive at $318 for the same
period.
Cheapest Full Coverage Car Insurance in Cedar Falls
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 Cedar Falls is Erie
at $70 per month and $416
for six months.
Cheapest Full Coverage Car Insurance Quotes in Cedar Falls,
NC
Get Your Car Insurance Quote in Cedar Falls
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Average Car Insurance in Cedar Falls 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 Cedar Falls, NC increasing?
Despite maintaining a clean driving record, your car insurance rates
in Cedar Falls, North Carolina, may be increasing due to several external factors.
North Carolina has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Cedar Falls's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Cedar Falls
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
North Carolina Farm Bureau
$419
30s
North Carolina Farm Bureau
$419
40s
North Carolina Farm Bureau
$419
50s
North Carolina Farm Bureau
$419
60s
North Carolina Farm Bureau
$419
70s
North Carolina Farm Bureau
$419
Cheapest Car Insurance Rates for Teen Drivers in
Cedar Falls,NC
If you are planning to get a car insurance policy for your teenage
dependent, Progressive provides the cheapest car
insurance in the Cedar Falls at $91
per
month. At $367 for a six-month premium,
National General offers the most expensive rate for
teen drivers.
If you are in your twenties North Carolina Farm Bureau is
the best choice for car
insurance in Cedar Falls.
As young drivers face the highest rates in Cedar Falls, North Carolina Farm Bureau
offers the cheapest auto insurance rates at $419 for six months.
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 Cedar Falls,
North Carolina Farm Bureau is
the cheapest car insurance provider. At $183 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
Cedar Falls is Allstate, offering
rates of around $3236 for six
months.
Save up to $971/yr on car insurance rates in Cedar Falls.
Car Insurance Rates with An Accident in Cedar Falls
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 Cedar Falls, NC,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Cedar Falls
The cheapest car insurance companies after an at-fault accident in
Cedar Falls include Progressive
and Erie, offering $520
and $526,
respectively. Farmers is an expensive provider
with an average six-month premium of
$545.
Here is a list of driving violations that can increase your car
insurance rates in Cedar Falls NC. For example, the car
insurance in Cedar Falls
after a DUI increases to $1904 for a six
month policy. While the rate increases by $227 for a six-month policy in the case of
a speeding ticket.
Cedar Falls auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$587
$98
One Med/PIP claim
$587
$100
Not-at-fault accident
$593
$99
One comp claim
$606
$103
Two Med/PIP claims
$606
$101
Two comp claims
$624
$106
Failure to show documents
$691
$115
Child safety restraint
$765
$130
Driving without lights
$765
$128
Failure to wear a seat belt
$765
$130
Cell phone violation
$808
$135
Texting while driving
$808
$137
Speeding 6 - 10 MPH over limit
$814
$136
Driving with expired registration
$820
$139
Driving too slowly
$832
$139
Failure to stop at a red light
$832
$141
Failure to yield
$832
$139
Illegal turn
$832
$141
Open container
$832
$139
Operating a vehicle without permission
$832
$141
Wrong way/wrong lane
$832
$139
Speeding in school zone
$838
$142
At-fault accident - $1000-$2000
$845
$141
At-fault accident - less than $1000
$845
$143
In 65 MPH zone
$893
$149
Speeding 11 - 15 MPH over limit
$893
$151
Speeding 16 - 20 MPH over limit
$893
$149
Speeding 21 - 25 MPH over limit
$893
$151
Improper passing
$912
$152
Following too closely
$918
$157
At-fault accident - greater than $2000
$985
$164
Passing school bus
$1120
$191
Reckless driving
$1132
$188
Driving with a suspended license
$1750
$298
Leaving scene of an accident/hit and run
$2460
$410
Refusal to submit to a chemical test
$2484
$422
DUI
$2491
$415
Racing
$2533
$431
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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 Cedar Falls 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 Cedar Falls.
The cheapest car insurance premiums in
Cedar Falls are
offered by National General at $422 for a six-month policy.
However, it can be as
expensive as $1401 with companies
like Farmers.
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 Cedar Falls are offered by North Carolina Farm Bureau
at $196. However,
it can be as expensive as $2135
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Cedar Falls after Speeding ticket
Car Insurance Price Trends in Cedar Falls,
North Carolina
Car insurance rates in Cedar Falls have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Cedar Falls remained steady at $117 in both November and October, indicating no change over the two month period.
The average cost of liability insurance in the Cedar Falls remained steady at $57 in both November and October, indicating no change over the two month period.
Average Car Insurance Cost in Cedar Falls by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Cedar Falls. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Cedar Falls?
The car insurance in Cedar Falls is $31 per month, which is lower than the national average.
What is the cheapest car insurance in Cedar Falls?
The cheapest car insurance in Cedar Falls
is $70 per month
for full coverage.
How much is car insurance in Cedar Falls for teenagers?
Car insurance for teenagers costs $539 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
Cedar Falls?
The average cost of car insurance is $902 for a six-month
policy. It will cost around $157 per month to insure your
car in Cedar Falls.
Is car insurance expensive in Cedar Falls?
Car insurance can be expensive in Cedar Falls if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Cedar Falls can be
affordable.
What is the best car insurance in Cedar Falls,
NC?
The best car insurance company in Cedar Falls
NC is
Erie, offering $416 for a
six-month policy.
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Cedar Falls Car Insurance
