Table of contents
How much is car insurance in Gaston?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Gaston are about $18 a month more expensive than the rest of South Carolina.
Similarly, residents of Gaston might expect to pay higher rates for coverage than the rest of the country. Coverage in Gaston is about $37 more expensive than it is for the rest of the U.S.
These rates may be the average amount residents of Gaston pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
But don't worry, we've broken down the average rate for Gaston residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average 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, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Gaston drivers may see their rates rise again once they hit retirement.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Gaston, the difference comes out to about $18 a month. As illustrated in the table above, female drivers in the area pay about $110 on average, while male drivers pay around $128 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Gaston, a driving record with one accident will usually get you a rate around $128 a month. Similarly, drivers with one ticket will typically pay around $192 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$134|
|15 Years or Older||$105|
The most affordable vehicles to insure in Gaston are typically trucks and vans, which run about $99 per month.
Car owners can expect to pay an average of around $117 a month for their policy, while SUVs usually cost around $127 a month to insure.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Gaston, 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)||$124|
Generally, people who are married 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.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Gaston, with married couples paying about $33 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$165|
Your living situation is another factor that affects your monthly rate. Drivers who own property in Gaston can expect to pay around $33 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
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 selecting an auto insurance policy.
The cost of auto insurance in Gaston decreased from 2016-2017, before leveling out in 2018. Rates finished down in 2021, at $126 per month
How does Gaston compare to neighboring areas?
Why are car insurance rates in Gaston different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Area regulations
- Local crime rates
- General road safety (how many accidents each locality has)
- Amount of drivers in the area
- Amount of off-street parking
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. With the knowledge 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?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Gaston.
Gaston Insurance FAQs
What factors affect car insurance quotes in Gaston?
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 Gaston different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, 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 Gaston?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Gaston?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Gaston or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.