Cheap Auto Insurance Quotes in Gastonia, NC (2023)

It’s difficult to get around on foot or by bike in Gastonia, and though the city operates six bus lines, most people rely on their cars to get to work. The average household in Gastonia has two cars. To stay safe and legal when getting behind the wheel, drivers in Gastonia need auto insurance.

Car Insurance in Gastonia, NC

The average cost of North Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Gastonia, NC to find you the cheapest quotes in the area.

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• Cheap Car Insurance North Carolina

• Compare Car Insurance

Cheapest Car Insurance in Gastonia, NC

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Gastonia, NC

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Gastonia. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in North Carolina

All motor vehicles operated or parked on North Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in North Carolina^[1] are:

• $30,000 per person for bodily injury

• $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. North Carolina is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $60,000 per accident for uninsured/underinsured motorist bodily injury

• $25,000 per accident for uninsured/underinsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In North Carolina, drivers are required to cover bodily injury and property damage with this coverage.

Gastonia Car Insurance Rates by Driver Age

Mature drivers with decades of experience get to reap the rewards of their time behind the wheel in Gastonia, as these individuals get to pay the lowest car insurance rates in the area. Those in their 40s and 60s pay a mere $86, while seniors in their 70s are charged only $70. Drivers who are newly licensed and under the age of 20 find their rates are the highest, with an average premium of $229.

Gastonia Car Insurance Rates by Driving and Accident History

Motorists who need to save money should strongly consider keeping their driving record clean, as rates tend to hover around the $116 mark and dramatically increase in the event of a moving violation. An at-fault accident will boost prices to $158, while failing to stop at an intersection changes rates to $202. The most costly is a speeding ticket, as drivers find they have to pay up to $225 after this addition to their driving history.

See More:

• High-risk Car Insurance North Carolina

• DUI Car Insurance North Carolina

Gastonia Car Insurance Rates by Credit Tier

Gastonia residents who work hard to increase their credit scores enjoy paying low car insurance rates, with an average price of $107 for those in the excellent tier. Should your credit drop to good or average, you can expect rates to increase to $140 and $129, respectively. Gastonia drivers with poor credit pay around $136, demonstrating that boosting your credit rating helps you save money on your premiums.

See More: Bad Credit Car Insurance North Carolina

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Gastonia, NC DMV Information

Gastonia has two outposts—one to handle driver’s licenses, and one that can assist with plate and vehicle registration. You can also access many services online, including most registration renewals. You’ll need proof of insurance, but that’s easy to obtain online. Just check Insurify for the best rates. Even if you already have an auto insurance policy, you may want to check your customized quotes, since it’s possible you could save hundreds annually by switching providers.

Public Transportation in Gastonia, NC

Gastonia is not a walkable city, and public transit services are limited. Only about 1 percent of workers use public transportation to get to work, and only about 1.5 percent of workers walk to get there. About 94 percent of workers drive alone or carpool, relying on their cars for the average 24-minute drive. Uber and Lyft operate in the city, along with some traditional taxi services, but for the vast majority of residents, having a car is a necessity. Residents may want to consider a full coverage auto policy to ensure they can afford repairs on their cars.

For more detailed North Carolina city level guides, check out these below.

• Average Cost of Car Insurance Rates in North Carolina

• DUI Car Insurance Rates in North Carolina

• High-Risk Driver Car Insurance Rates in North Carolina

• North Carolina Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in North Carolina

How to get the best and cheapest car insurance in Gastonia, NC

If you’re caught driving without proof of insurance in North Carolina, you’ll face a $50 fine for your first lapse and a $50 license reinstatement fee. Don’t be one of the estimated 6.5 percent of drivers in North Carolina who forgo insurance. A car insurance policy provides not only legal protection but also financial protection and peace of mind.

Luckily, a robust car insurance policy doesn’t have to break the bank, and rates are especially affordable in Gastonia. You can use Insurify to compare premiums from up to 20 different providers in one place so you won’t have to mess with individual quotes and spreadsheets to find the lowest rate. You’ll just need to answer a few questions to get started.

FAQs - Gastonia, NC Car Insurance