Gastonia, NC Auto Insurance (2024)
The average Gastonia, NC auto insurance rates are $308 per month. The minimum auto insurance in Gastonia is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Gastonia, North Carolina, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Gastonia, North Carolina is 30/60/25
- The average commute length in Gastonia is 24.8 minutes
- The cheapest auto insurance company in Gastonia is Liberty Mutual
Gastonia, North Carolina auto insurance requirements are 30/60/25 according to North Carolina auto insurance laws. Finding cheap auto insurance in Gastonia can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Gastonia, North Carolina, including driving record, credit, commute time, and more.
Compare auto insurance in Gastonia to other North Carolina cities, including Raleigh auto insurance rates, Cary auto insurance rates, and Wilmington auto insurance rates to see how Gastonia, North Carolina auto insurance rates stack up.
Before you buy Gastonia, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Gastonia, North Carolina auto insurance quotes.
Minimum Auto Insurance in Gastonia, North Carolina
Gastonia, North Carolina auto insurance laws require that you have at least the North Carolina minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Gastonia, North Carolina.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Gastonia, North Carolina Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Gastonia, North Carolina are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $5,561 | $5,561 | $4,567 | $4,567 | $13,212 | $13,212 | $5,671 | $5,671 |
| Geico | $2,781 | $2,730 | $2,746 | $2,698 | $5,151 | $5,106 | $2,447 | $2,433 |
| Liberty Mutual | $2,072 | $2,072 | $2,144 | $2,144 | $3,721 | $3,721 | $2,072 | $2,072 |
| Nationwide | $2,705 | $2,705 | $2,705 | $2,705 | $4,660 | $4,660 | $2,705 | $2,705 |
| Progressive | $2,013 | $2,013 | $1,852 | $1,852 | $4,786 | $4,786 | $2,241 | $2,241 |
| State Farm | $2,993 | $2,993 | $2,588 | $2,588 | $4,427 | $4,427 | $3,699 | $3,699 |
| Travelers | $2,995 | $2,995 | $2,971 | $2,971 | $5,164 | $5,164 | $3,074 | $3,074 |
Cheap Gastonia, North Carolina Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Gastonia, North Carolina is a challenge. Take a look at the annual teen auto insurance rates in Gastonia, North Carolina.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $13,212 | $13,212 |
| Geico | $5,151 | $5,106 |
| Liberty Mutual | $3,721 | $3,721 |
| Nationwide | $4,660 | $4,660 |
| Progressive | $4,786 | $4,786 |
| State Farm | $4,427 | $4,427 |
| Travelers | $5,164 | $5,164 |
Cheap Gastonia, North Carolina Auto Insurance for Seniors
What are senior auto insurance rates in Gastonia, North Carolina? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,567 | $4,567 |
| Geico | $2,746 | $2,698 |
| Liberty Mutual | $2,144 | $2,144 |
| Nationwide | $2,705 | $2,705 |
| Progressive | $1,852 | $1,852 |
| State Farm | $2,588 | $2,588 |
| Travelers | $2,971 | $2,971 |
Cheap Gastonia, North Carolina Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Gastonia, North Carolina compared to the annual auto insurance rates with a clean record in Gastonia, North Carolina.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,919 | $6,960 | $12,834 | $5,298 |
| Geico | $1,728 | $2,583 | $6,335 | $2,400 |
| Liberty Mutual | $1,495 | $1,916 | $4,681 | $1,916 |
| Nationwide | $1,886 | $2,434 | $6,021 | $2,434 |
| Progressive | $1,302 | $1,891 | $5,867 | $1,833 |
| State Farm | $1,813 | $2,639 | $6,616 | $2,639 |
| Travelers | $2,098 | $2,782 | $6,600 | $2,725 |
Cheap Gastonia, North Carolina Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Gastonia, North Carolina is not easy. Compare the annual rates for DUI auto insurance in Gastonia, North Carolina to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $12,834 |
| Geico | $6,335 |
| Liberty Mutual | $4,681 |
| Nationwide | $6,021 |
| Progressive | $5,867 |
| State Farm | $6,616 |
| Travelers | $6,600 |
Cheap Gastonia, North Carolina Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Gastonia, North Carolina annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,762 | $6,383 | $5,613 |
| Geico | $3,521 | $3,247 | $3,017 |
| Liberty Mutual | $2,502 | $2,502 | $2,502 |
| Nationwide | $3,194 | $3,194 | $3,194 |
| Progressive | $3,056 | $2,661 | $2,452 |
| State Farm | $4,814 | $3,076 | $2,389 |
| Travelers | $3,799 | $3,452 | $3,403 |
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Cheap Gastonia, North Carolina Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Gastonia, North Carolina can vary. Compare the annual cost of auto insurance by ZIP code in Gastonia, North Carolina to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 28052 | $3,417 |
| 28054 | $3,446 |
| 28056 | $3,263 |
Cheap Gastonia, North Carolina Auto Insurance Rates By Commute
Commute length and annual mileage affect Gastonia, North Carolina auto insurance. Find the cheapest annual Gastonia, North Carolina auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $7,253 | $7,253 |
| Geico | $3,262 | $3,262 |
| Liberty Mutual | $2,502 | $2,502 |
| Nationwide | $3,194 | $3,194 |
| Progressive | $2,723 | $2,723 |
| State Farm | $3,419 | $3,434 |
| Travelers | $3,551 | $3,551 |
Cheap Gastonia, North Carolina Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Gastonia, North Carolina? Check out the comparison of annual Gastonia, North Carolina auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,957 | $7,220 | $7,581 |
| Geico | $3,099 | $3,249 | $3,436 |
| Liberty Mutual | $2,368 | $2,486 | $2,653 |
| Nationwide | $3,048 | $3,177 | $3,356 |
| Progressive | $2,565 | $2,706 | $2,898 |
| State Farm | $3,246 | $3,407 | $3,626 |
| Travelers | $3,382 | $3,532 | $3,740 |
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Best By Category: Cheapest Auto Insurance in Gastonia, North Carolina
Compare the cheapest auto insurance companies in Gastonia, North Carolina in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Progressive |
| Clean Record | Progressive |
| With 1 Accident | Progressive |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Progressive |
The Cheapest Gastonia, North Carolina Auto Insurance Companies
What auto insurance companies in Gastonia, North Carolina are the cheapest? Compare the top Gastonia, North Carolina auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $7,253 |
| Geico | $3,262 |
| Liberty Mutual | $2,502 |
| Nationwide | $3,194 |
| Progressive | $2,723 |
| State Farm | $3,427 |
| Travelers | $3,551 |
What affects auto insurance rates in Gastonia, North Carolina?
There are a lot of reasons why auto insurance rates in Gastonia, North Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Gastonia, North Carolina. Many local factors may affect your Gastonia auto insurance rates.
Gastonia Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Gastonia, North Carolina commute length is 24.8 minutes according to City-Data.
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Compare Gastonia, North Carolina Auto Insurance Quotes
Before you buy Gastonia, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Gastonia, North Carolina auto insurance quotes.
Frequently Asked Questions
Can I transfer my out-of-state auto insurance policy to Gastonia, NC?
If you move to Gastonia, NC, you will likely need to obtain a new auto insurance policy that complies with the state’s requirements. Some insurance companies may offer a transition period during which they can assist you in transferring your coverage or finding a new policy that meets North Carolina’s regulations. Contact your insurance provider to discuss your options.
What is a deductible in auto insurance?
A deductible is the amount you agree to pay out of pocket toward a covered claim before your insurance coverage kicks in. For example, if your deductible is $500 and you have a covered claim of $2,000, you would pay the first $500, and your insurance company would cover the remaining $1,500.
What should I do after a car accident in Gastonia, NC?
After a car accident in Gastonia, NC, follow these steps:
- Ensure your safety and the safety of others involved.
- Call the police to report the accident.
- Exchange contact and insurance information with the other party.
- Document the accident scene and gather evidence.
- Notify your insurance company and file a claim.
- Seek medical attention if necessary.
- Cooperate with the insurance adjuster during the claims process.
Can my auto insurance policy be canceled or non-renewed?
Yes, an insurance company can cancel or choose not to renew your auto insurance policy under certain circumstances. Common reasons for cancellation or non-renewal include non-payment of premiums, a history of frequent claims, or if you no longer meet the company’s underwriting guidelines. It’s important to maintain a good driving record and promptly pay your premiums to avoid policy cancellation.
How are auto insurance premiums determined in Gastonia, NC?
Several factors influence auto insurance premiums in Gastonia, NC, including your driving record, age, gender, location, the make and model of your vehicle, coverage limits, deductible amount, and any discounts you may qualify for. Insurance companies assess these factors to determine your level of risk and calculate the premium accordingly.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.