Table of contents
How much is car insurance in Gastonia?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Gastonia is about $5 a month more expensive than the rest of North Carolina.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Gastonia is rather affordable. On average, it's about $21 less to insure your vehicle in Gastonia than it is in the rest of the United States.
Keep in mind that while these are the average car insurance rates for Gastonia, it isn't guaranteed that it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But worry not, we've done the heavy lifting and broken down the average rate for Gastonia to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay $40 more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may rise again in Gastonia.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Gastonia, male drivers pay about $15 more per month. As you can see in the table above, male drivers in the area typically pay $66 on average, while female drivers typically pay $51 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Your rates can change quite drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Gastonia, a driving record with a single accident will usually get you a rate around $61 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$50|
|15 Years or Older||$57|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Gastonia, with drivers paying around $52 per month for auto insurance coverage.
SUV drivers will see rates of about $56 for auto insurance coverage, while car owners typically pay around $60 a month.
Your vehicle's age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Gastonia are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$61|
Generally speaking, those who have settled down into marriage will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Gastonia, with married couples paying about $13 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$67|
Another factor that comes into play is your living situation. Renters can expect to pay around $4 a month more than those who own their own home in Gastonia. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies 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
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
The rates for auto insurance in Gastonia have been steadily increasing, reaching a high of $66 in 2021.
How does Gastonia compare to neighboring areas?
Why are car insurance rates in Gastonia different from other areas?
Car insurance companies will take into account many factors when figuring out how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Local crime rates
- Road safety
- Regional laws
- Number of drivers
- Off-street parking availability
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Gastonia?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies providing coverage in Gastonia.
Gastonia Insurance FAQs
What factors affect car insurance quotes in Gastonia?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your marital status, credit score, address, and driving record.
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 crime rates, local laws, 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 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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Gastonia or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.