Gastonia, NC Car Insurance

Drivers in Gastonia pay around $60 a month for their car insurance. To learn more about car insurance rates in the Gastonia area, read our guide below.
Map of cities where drivers can find cheaper car insurance
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What should residents of Gastonia expect to pay for their car insurance? Compared to their surrounding area, how do rates in Gastonia stack up? What about against the rest of North Carolina? Discover the factors that go into calculating the average cost in our writeups and charts below:

How much is car insurance in Gastonia?

Area Average Monthly Car Insurance Premium
Gastonia$60
NC$53
United States$81

As you can tell from the chart above, the cost of coverage in Gastonia is about $7 a month more expensive than the rest of North Carolina.

When stacked up against the national average, the average monthly policy payment for Gastonia is more affordable. You can expect to pay about $21 below the national average for auto insurance in Gastonia.

While these are the average monthly costs for auto insurance coverage in Gastonia, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

Don't sweat it however, we've broken down average rates for Gastonia residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$76
25-34$55
35-44$61
45-54$53
55-64$49
65+$46

It makes sense that older drivers would have more experience behind the wheel. That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates creep back up in Gastonia.

Average Car Insurance Rates by Gender

Gender Average
Male$66
Female$55

On average, female drivers pay slightly less for car insurance than their male counterparts. In Gastonia, male drivers pay about $11 more a month. As you can see in the table above, female drivers in the area typically pay $55 on average, while female drivers typically pay $66 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$63
Multiple Accidents$109
1 Ticket$64
Multiple Tickets$61

Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay lower rates than those with accidents or violations. In Gastonia, drivers with one accident on their record will experience rates around $63 a month. Likewise, drivers with one ticket will be looking at a rate of around $64 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$63
2-3 Years$70
4-5 Years$70
6-7 Years$65
8-10 Years$52
11-14 Years$66
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 will see a monthly rate of about $63, while SUV owners usually pay around $55 per month.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Gastonia, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$62
Married$50
Divorced$52
Widowed$40

On average, people who are married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Gastonia is no exception, with the difference totaling to around $12 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$54
Rent$62
Live with parents$66

Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $8 a month more than drivers who own property in Gastonia. But those who live at home with their parents can expect to pay significantly more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Gastonia, NC

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

In Gastonia, auto insurance rates decreased from 2017-2018, but began to increase from 2019-2021, when they reached a high of $65. Rates finished down in 2022, at $54 a month.

How does Gastonia compare to neighboring areas?

Why are car insurance rates in Gastonia different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:

  • Rate of car accidents
  • Total number of drivers
  • Off-street parking accessibility
  • Area laws
  • Crime levels

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Gastonia?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Don't worry, Compare.com does all of that work for you. Enter 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 that offer auto coverage in Gastonia.


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Gastonia Insurance FAQs

What factors affect car insurance quotes in Gastonia?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Gastonia different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Gastonia?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Gastonia?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Gastonia or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

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