Cheapest Car Insurance Quotes in Half Moon

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Half Moon Car Insurance

^$ 29

/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 Half Moon

The car insurance rate in Half Moon is $857 for a six-month policy, which is $45 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $384, making it a popular choice for budget-conscious drivers. Rates in Half Moon 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 Half Moon

$857

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Half Moon

1st place: Erie

At $384 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $457 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 $524 for six months, making it the third cheapest auto insurance company in Half Moon.

Half Moon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Half Moon, NC is Erie, offering policies at just $384 for a six-month term. This is followed by Progressive, which has an average six-month premium of $457.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1094 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Half Moon drivers find the best deals.

Cheap Car Insurance Companies in Half Moon, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$384	$65
Progressive	$457	$77
State Farm	$524	$88
North Carolina Farm Bureau	$620	$105
Nationwide	$807	$136
Farm Bureau	$1061	$181
Farmers	$1083	$181
Kemper	$1190	$202
Allstate	$1355	$228
Penn National	$1094	$182

Key Takeaways

Way's key takeaways about car insurance in Half Moon

The auto insurance costs in Half Moon fall around $384 for six months.
The cheapest auto insurance company in Half Moon is Erie.
Teen drivers pay the highest rate in Half Moon at $58 per month.

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Cheapest Minimum Liability Car Insurance in Half Moon

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 Half Moon are given below.

Erie provides the cheapest minimum car insurance coverage in Half Moon. Their Average 6 Month Premium is $169. National Farmers Union Insurance is the most expensive at $294 for the same period.

Cheapest Liability Coverage in Half Moon, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$169	$29
State Farm	$232	$39
Progressive	$242	$41
North Carolina Farm Bureau	$265	$45
Nationwide	$333	$56
National General	$344	$57
Penn National	$372	$64
Farm Bureau	$542	$90
Allstate	$593	$100
National Farmers Union Insurance	$294	$48

Cheapest Full Coverage Car Insurance in Half Moon

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 Half Moon is Erie at $65 per month and $384 for six months.

Cheapest Full Coverage Car Insurance Quotes in Half Moon, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$384	$65
Progressive	$457	$77
State Farm	$524	$88
North Carolina Farm Bureau	$620	$105
Nationwide	$807	$136
Farm Bureau	$1061	$181
Farmers	$1083	$181
Kemper	$1190	$202
Allstate	$1355	$228
Penn National	$1094	$182

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Average Car Insurance in Half Moon 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 Half Moon, NC increasing?

Despite maintaining a clean driving record, your car insurance rates in Half Moon, 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, Half Moon's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Half Moon

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	$387
30s	North Carolina Farm Bureau	$387
40s	North Carolina Farm Bureau	$387
50s	North Carolina Farm Bureau	$387
60s	North Carolina Farm Bureau	$387
70s	North Carolina Farm Bureau	$387

Cheapest Car Insurance Rates for Teen Drivers in Half Moon,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Half Moon at $84 per month. At $338 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$497	$84
State Farm	$643	$108
Erie	$649	$109
North Carolina Farm Bureau	$1134	$191
Nationwide	$2455	$409
Allstate	$2968	$504
Penn National	$328	$54
National General	$338	$58

Teen Car Insurance Rates in NC by Age

Way Tip

If you are in your twenties North Carolina Farm Bureau is the best choice for car insurance in Half Moon.

As young drivers face the highest rates in Half Moon, North Carolina Farm Bureau offers the cheapest auto insurance rates at $387 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 Half Moon, North Carolina Farm Bureau is the cheapest car insurance provider. At $169 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 Half Moon is Allstate, offering rates of around $2985 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$169	$29
National General	$294	$48
Progressive	$316	$53
Erie	$367	$62
Nationwide	$728	$123
State Farm	$1253	$211
Farm Bureau	$1434	$244
Allstate	$2985	$498

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Car Insurance Rates with An Accident in Half Moon

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 Half Moon, NC, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Half Moon

The cheapest car insurance companies after an at-fault accident in Half Moon include Progressive and Erie, offering $480 and $485, respectively. Farmers is an expensive provider with an average six-month premium of $503.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$480	$81
Erie	$485	$82
State Farm	$542	$91
North Carolina Farm Bureau	$745	$125
Nationwide	$1338	$225
Farm Bureau	$1687	$287
Allstate	$2551	$429
Penn National	$468	$80
Farmers	$503	$84

Half Moon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Half Moon NC. For example, the car insurance in Half Moon after a DUI increases to $1755 for a six month policy. While the rate increases by $209 for a six-month policy in the case of a speeding ticket.

Half Moon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$542	$90
One Med/PIP claim	$542	$92
Not-at-fault accident	$547	$91
One comp claim	$559	$95
Two Med/PIP claims	$559	$93
Two comp claims	$576	$98
Failure to show documents	$637	$106
Child safety restraint	$706	$120
Driving without lights	$706	$118
Failure to wear a seat belt	$706	$120
Cell phone violation	$745	$124
Texting while driving	$745	$126
Speeding 6 - 10 MPH over limit	$751	$125
Driving with expired registration	$756	$128
Driving too slowly	$768	$128
Failure to stop at a red light	$768	$130
Failure to yield	$768	$128
Illegal turn	$768	$130
Open container	$768	$128
Operating a vehicle without permission	$768	$130
Wrong way/wrong lane	$768	$128
Speeding in school zone	$773	$131
At-fault accident - $1000-$2000	$779	$130
At-fault accident - less than $1000	$779	$132
In 65 MPH zone	$824	$138
Speeding 11 - 15 MPH over limit	$824	$140
Speeding 16 - 20 MPH over limit	$824	$138
Speeding 21 - 25 MPH over limit	$824	$140
Improper passing	$841	$141
Following too closely	$846	$144
At-fault accident - greater than $2000	$908	$151
Passing school bus	$1033	$176
Reckless driving	$1044	$174
Driving with a suspended license	$1614	$275
Leaving scene of an accident/hit and run	$2269	$378
Refusal to submit to a chemical test	$2291	$390
DUI	$2297	$383
Racing	$2336	$397

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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 Half Moon 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 Half Moon.

The cheapest car insurance premiums in Half Moon are offered by National General at $390 for a six-month policy. However, it can be as expensive as $1292 with companies like Farmers.

Half Moon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$390	$67
Progressive	$1253	$211
State Farm	$1394	$235
Erie	$1478	$249
Nationwide	$2771	$466
North Carolina Farm Bureau	$3058	$515
Allstate	$5880	$990
Farm Bureau	$6315	$1053
Farmers	$1292	$216

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 Half Moon are offered by North Carolina Farm Bureau at $181. However, it can be as expensive as $1969 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Half Moon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$181	$30
National General	$378	$65
Erie	$384	$65
State Farm	$412	$69
Progressive	$428	$72
Nationwide	$773	$130
Farm Bureau	$1416	$236
Allstate	$1969	$334

Car Insurance Price Trends in Half Moon, North Carolina

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

The average cost of full coverage in the Half Moon remained steady at $108 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Half Moon remained steady at $52 in both November and October, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Half Moon?

The car insurance in Half Moon is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Half Moon?

The cheapest car insurance in Half Moon is $65 per month for full coverage.

How much is car insurance in Half Moon for teenagers?

Car insurance for teenagers costs $497 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 Half Moon?

The average cost of car insurance is $902 for a six-month policy. It will cost around $144 per month to insure your car in Half Moon.

Is car insurance expensive in Half Moon?

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

Cheapest Car Insurance Quotes in Half Moon

Why you can trust Way?

How Much Is Car Insurance in Half Moon

Avg. Car Insurance in Half Moon

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Half Moon

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Half Moon Car Insurance Rates by Company

Cheap Car Insurance Companies in Half Moon, NC

Way's key takeaways about car insurance in Half Moon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Half Moon

Cheapest Liability Coverage in Half Moon, NC

Cheapest Full Coverage Car Insurance in Half Moon

Cheapest Full Coverage Car Insurance Quotes in Half Moon, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Half Moon by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Half Moon, NC increasing?

Car Insurance Premiums by Age in Half Moon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Half Moon,NC

If you are in your twenties North Carolina Farm Bureau is the best choice for car insurance in Half Moon.

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 Half Moon

Cheapest Car Insurance Companies after an At-Fault Accident in Half Moon

Half Moon Car Insurance Rates by Violation

Half Moon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Half Moon after a DUI

Half Moon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Half Moon after Speeding ticket

Car Insurance Price Trends in Half Moon, North Carolina

Average Car Insurance Cost in Half Moon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Half Moon, NC

Car Insurance Rates by State in the USA (2025 Update)

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