Cheapest Car Insurance Quotes in Moravian Falls

Finding the cheapest car insurance quotes in Moravian 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.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Moravian Falls Car Insurance

^$ 28

/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 Moravian Falls

The car insurance rate in Moravian Falls is $779 for a six-month policy, which is $50 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $385, making it a popular choice for budget-conscious drivers. Rates in Moravian 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.

Avg. Car Insurance in Moravian Falls

$779

Avg. Car Insurance in North Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Moravian Falls

1st place: Erie

At $385 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $469 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 $530 for six months, making it the third cheapest auto insurance company in Moravian Falls.

Moravian Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Moravian Falls, NC is Erie, offering policies at just $385 for a six-month term. This is followed by Progressive, which has an average six-month premium of $469.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1430 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Moravian Falls drivers find the best deals.

Cheap Car Insurance Companies in Moravian Falls, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$385	$65
Progressive	$469	$79
State Farm	$530	$89
North Carolina Farm Bureau	$614	$103
Travelers	$714	$119
Farm Bureau	$771	$131
Nationwide	$826	$139
Farmers	$877	$148
Kemper	$1178	$196
Allstate	$1430	$241

Key Takeaways

Way's key takeaways about car insurance in Moravian Falls

The auto insurance costs in Moravian Falls fall around $385 for six months.
The cheapest auto insurance company in Moravian Falls is Erie.
Teen drivers pay the highest rate in Moravian Falls at $490 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 Moravian 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 Moravian Falls are given below.

Erie provides the cheapest minimum car insurance coverage in Moravian Falls. Their Average 6 Month Premium is $167. Allstate is the most expensive at $530 for the same period.

Cheapest Liability Coverage in Moravian Falls, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$167	$28
State Farm	$224	$38
Progressive	$240	$40
North Carolina Farm Bureau	$262	$44
Travelers	$313	$52
Farm Bureau	$319	$55
Nationwide	$324	$55
Farmers	$335	$57
National General	$340	$56
Penn National	$368	$63
Allstate	$530	$89

Cheapest Full Coverage Car Insurance in Moravian 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 Moravian Falls is Erie at $65 per month and $385 for six months.

Cheapest Full Coverage Car Insurance Quotes in Moravian Falls, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$385	$65
Progressive	$469	$79
State Farm	$530	$89
North Carolina Farm Bureau	$614	$103
Travelers	$714	$119
Farm Bureau	$771	$131
Nationwide	$826	$139
Farmers	$877	$148
Kemper	$1178	$196
Allstate	$1430	$241

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Moravian Falls Instantly!

Average Car Insurance in Moravian 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 Moravian Falls, NC increasing?

Despite maintaining a clean driving record, your car insurance rates in Moravian 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, Moravian 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 Moravian 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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Moravian Falls,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Moravian Falls at $83 per month. At $2937 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$492	$83
State Farm	$636	$107
Erie	$642	$108
North Carolina Farm Bureau	$1122	$189
Nationwide	$2429	$413
Allstate	$2937	$490

Teen Car Insurance Rates in NC 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 Moravian Falls, North Carolina Farm Bureau is the cheapest car insurance provider. At $167 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 Moravian Falls is Allstate, offering rates of around $3390 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$167	$28
Erie	$190	$32
National General	$290	$50
Progressive	$340	$57
Nationwide	$631	$106
Farmers	$682	$114
Travelers	$972	$165
Farm Bureau	$1100	$183
State Farm	$1373	$231
Allstate	$3390	$565

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Moravian Falls.

Car Insurance Rates with An Accident in Moravian 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 Moravian Falls, NC, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Moravian Falls

The cheapest car insurance companies after an at-fault accident in Moravian Falls include Progressive and Erie, offering $503 and $513, respectively. Allstate is an expensive provider with an average six-month premium of $2657.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$503	$85
Erie	$513	$86
State Farm	$564	$95
North Carolina Farm Bureau	$737	$124
Farmers	$1067	$178
Farm Bureau	$1206	$205
Nationwide	$1212	$204
Travelers	$1278	$217
Allstate	$2657	$447

Moravian Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Moravian Falls NC. For example, the car insurance in Moravian Falls after a DUI increases to $1737 for a six month policy. While the rate increases by $207 for a six-month policy in the case of a speeding ticket.

Moravian Falls auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$536	$89
One Med/PIP claim	$536	$91
Not-at-fault accident	$541	$90
One comp claim	$553	$94
Two Med/PIP claims	$553	$92
Two comp claims	$570	$97
Failure to show documents	$631	$105
Child safety restraint	$698	$118
Driving without lights	$698	$117
Failure to wear a seat belt	$698	$118
Cell phone violation	$737	$123
Texting while driving	$737	$125
Speeding 6 - 10 MPH over limit	$743	$124
Driving with expired registration	$748	$127
Driving too slowly	$760	$127
Failure to stop at a red light	$760	$129
Failure to yield	$760	$127
Illegal turn	$760	$129
Open container	$760	$127
Operating a vehicle without permission	$760	$129
Wrong way/wrong lane	$760	$127
Speeding in school zone	$765	$130
At-fault accident - $1000-$2000	$771	$129
At-fault accident - less than $1000	$771	$131
In 65 MPH zone	$815	$136
Speeding 11 - 15 MPH over limit	$815	$138
Speeding 16 - 20 MPH over limit	$815	$136
Speeding 21 - 25 MPH over limit	$815	$138
Improper passing	$832	$139
Following too closely	$838	$143
At-fault accident - greater than $2000	$899	$149
Passing school bus	$1022	$174
Reckless driving	$1033	$172
Driving with a suspended license	$1597	$272
Leaving scene of an accident/hit and run	$2245	$374
Refusal to submit to a chemical test	$2267	$385
DUI	$2273	$379
Racing	$2311	$393

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Moravian 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 Moravian Falls.

The cheapest car insurance premiums in Moravian Falls are offered by National General at $385 for a six-month policy. However, it can be as expensive as $6159 with companies like Allstate.

Moravian Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$385	$66
Progressive	$1307	$220
Erie	$1418	$239
State Farm	$1441	$243
Farmers	$2552	$434
Travelers	$2669	$445
Nationwide	$2853	$480
North Carolina Farm Bureau	$3026	$509
Farm Bureau	$4433	$754
Allstate	$6159	$1037

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 Moravian Falls are offered by North Carolina Farm Bureau at $179. However, it can be as expensive as $2194 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Moravian Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$179	$30
Erie	$218	$37
National General	$374	$64
State Farm	$441	$74
Progressive	$463	$78
Nationwide	$826	$139
Farmers	$904	$154
Farm Bureau	$1016	$169
Travelers	$1100	$187
Allstate	$2194	$366

Car Insurance Price Trends in Moravian Falls, North Carolina

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

The average cost of full coverage in the Moravian Falls rose by $112 in January compared to $107 of December. In other words, there has been an increase by $5 when you compare January and December.

The average cost of liability insurance in the Moravian Falls dipped to $50 in January, compared to $52 in December. This represents an decrease of $2 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Moravian Falls?

The car insurance in Moravian Falls is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Moravian Falls?

The cheapest car insurance in Moravian Falls is $65 per month for full coverage.

How much is car insurance in Moravian Falls for teenagers?

Car insurance for teenagers costs $492 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 Moravian Falls?

The average cost of car insurance is $829 for a six-month policy. It will cost around $131 per month to insure your car in Moravian Falls.

Is car insurance expensive in Moravian Falls?

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

Cheapest Car Insurance Quotes in Moravian Falls

Why you can trust Way?

How Much Is Car Insurance in Moravian Falls

Avg. Car Insurance in Moravian Falls

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Moravian Falls

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Moravian Falls Car Insurance Rates by Company

Cheap Car Insurance Companies in Moravian Falls, NC

Way's key takeaways about car insurance in Moravian Falls

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Moravian Falls

Cheapest Liability Coverage in Moravian Falls, NC

Cheapest Full Coverage Car Insurance in Moravian Falls

Cheapest Full Coverage Car Insurance Quotes in Moravian Falls, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Moravian Falls by Rating Factor

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

Car Insurance Premiums by Age in Moravian Falls

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Moravian Falls,NC

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

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 Moravian Falls

Cheapest Car Insurance Companies after an At-Fault Accident in Moravian Falls

Moravian Falls Car Insurance Rates by Violation

Moravian Falls auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Moravian Falls after a DUI

Moravian Falls car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Moravian Falls after Speeding ticket

Car Insurance Price Trends in Moravian Falls, North Carolina

Average Car Insurance Cost in Moravian Falls by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Moravian Falls, NC

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

Featured Blogs

Data Sources