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How much is car insurance in Gaston?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Gaston are about $18 a month more expensive than the rest of South Carolina.
Drivers relocating the Gaston should take note of the differences in average rates. The cost of insuring a vehicle in Gaston is about $41 more expensive than the average rate for the rest of the U.S.
These may be the average auto insurance rates for Gaston, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
But worry not, we've done the heavy lifting and broken down the average rate for Gaston to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, your rates may begin to increase again in Gaston.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in average rates in Gaston totals about $11 a month. As you can see in the table above, male drivers in the area typically pay $129 on average, while female drivers typically pay $118 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will obviously pay a lot less than those with infractions. Drivers in Gaston with a single accident will pay around $147 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $159 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$134|
|15 Years or Older||$114|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Gaston, with drivers paying around $106 per month for auto insurance.
Car owners, on the other hand, typically pay around $124 per month, while SUV drivers can expect to pay about $129 a month to insure their vehicle.
You may also see different rates based on your vehicle's age. 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 monthly premium decrease. 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)||$129|
Overall, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Gaston can be as much as $39 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$165|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $26 a month more than those who own their own home in Gaston. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Gaston, SC
Recent trends in car insurance for Gaston drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The rates for auto insurance in Gaston went up from 2017-2018, but began to decrease in 2021. This trend has continued through 2022 when rates have most recently reached $136.
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 many factors. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Frequency of car accidents
- Community laws
- Regional crime rates
- Total number of drivers in the area
- Off-street parking accessibility
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Gaston?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies 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 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?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Gaston?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Gaston or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.