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How much is car insurance in Gastonia?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $7 a month more expensive to insure your vehicle in Gastonia than it is in the rest of North Carolina.
On the flip side, car insurance rates in Gastonia are often favorable when viewed against the rest of the country. It's about $20 cheaper to insure your vehicle in Gastonia compared to the average rate for the U.S. as a whole.
Although these are the average monthly costs for an auto insurance policy in Gastonia, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down the average rates for Gastonia residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Gastonia Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay $30 more than someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Gastonia may see their rates creep back up a bit once they hit retirement.
Gastonia Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. This is true in Gastonia, where women pay around $10 less a month. As illustrated in the table above, female drivers in the area pay about $55 on average, while male drivers pay around $65 each month.
Gastonia Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Gastonia, having a single accident on your record will usually get you rates around $63 a month. In addition, drivers with one ticket can expect to pay around $64 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Gastonia Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$63|
|15 Years or Older||$57|
If you look at the first table above, the cheapest vehicles to insure in Gastonia are by and large trucks and vans, at $53 per month.
Car owners, on the other hand, usually pay around $62 per month, while SUV drivers can expect to pay about $55 a month for auto insurance coverage.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Gastonia are vehicles four-to-five years old.
Gastonia Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Gastonia is no exception, with the difference totaling to around $12 a month.
Gastonia Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$66|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $8 a month more than if you own your own home in Gastonia. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Gastonia, NC
Recent trends in car insurance for Gastonia drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
Auto insurance rates in Gastonia declined from 2017-2018, but shifted in 2019. They rose until 2021, when they reached a high of $65, and finished down in 2022, at $52 per month.
How does Gastonia compare to neighboring areas?
Why are car insurance rates in Gastonia different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- General road safety (how many accidents each locality has)
- Access to off-street parking
- Number of drivers in the community
- Regional regulations
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Gastonia?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing plans in Gastonia.
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Gastonia Auto Insurance FAQs
What factors affect car insurance quotes in Gastonia?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Gastonia different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Gastonia?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Gastonia?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Gastonia or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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