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How much is car insurance in Gaston?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Gaston will typically run you about $17 a month more than in the rest of South Carolina.
Likewise, Gaston residents will likely pay higher rates for their insurance policy than the rest of the country. It's around $41 more expensive to insure your vehicle in Gaston compared to the average rate for the rest of the U.S.
While these are the average car insurance rates for Gaston, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Gaston 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 think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Gaston Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $92 more than someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. Gaston drivers may see their rates creep back up once they hit retirement age.
Gaston Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Gaston, the difference comes out to about $5 per month. Looking at the table above, you can see that female drivers pay around $120 on average, while male drivers typically pay $125 each month.
Gaston Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Gaston, drivers with one accident on their record will experience rates around $147 a month. In addition, drivers with a single ticket on their record can expect to pay around $155 a month on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Gaston Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$134|
|15 Years or Older||$115|
The most affordable vehicles to insure in Gaston are typically trucks and vans, which run about $103 per month.
Car owners will see a monthly bill of about $125, while SUV owners usually pay around $127 a month.
Your vehicle's age can also affect your monthly bill. 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 Gaston, the most expensive vehicles to insure are vehicles four-to-five years old.
Gaston Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$129|
Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Gaston, with married couples paying about $40 less per month.
Gaston Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$189|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Homeowners in Gaston can expect to pay around $20 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Gaston, SC
Recent trends in car insurance for Gaston drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
Auto insurance rates in Gaston had been increasing from 2017-2018, but began to turn downward in 2021. This pattern has continued through 2022 when rates have most recently hit $128.
How does Gaston compare to neighboring areas?
Why are car insurance rates in Gaston different from other areas?
There are numerous factors car insurance companies take into consideration when choosing how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Regional crime rates
- Rate of car accidents
- Total number of drivers
- Availability of off-street parking
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 Gaston?
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 will handle the heavy lifting for you. Put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing plans in Gaston.
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Gaston Auto Insurance FAQs
What factors affect car insurance quotes in Gaston?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Gaston different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Gaston?
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 Gaston?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Gaston 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.
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