Cheap Auto Insurance Quotes in Gastonia, NC (January 2022)

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Last Updated: January 2022

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.

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.

Average Car Insurance Cost

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Gastonia, NC Driving Facts


Minimum Car Insurance Requirements in NC

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 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 are as follows:

  • $30,000 per person / $60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by North Carolina state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by North Carolina law.

  • $25,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of North Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured or underinsured motorist coverage is legally required in North Carolina to cover damages and lost wages to drivers and passengers involved in an accident with an uninsured/underinsured at-fault driver.

  • $30,000 per person / $60,000 per accident for Bodily Injury Coverage if injured by an uninsured/underinsured driver
  • $25,000 for Property Damage caused by an uninsured/underinsured driver

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.

Driving History
No Violation$117
Speeding Ticket$226
At-Fault Accident$159
Failure to Stop for Red Light / Stop Sign$203

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.

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.

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.

Find local Gastonia agents

Watson Insurance Agency, Inc. 
245 E 2nd Ave, Gastonia, NC 28052-4369
Carolina Elite Insurance LLC 
1104 E. Garrison Blvd., Gastonia, NC 28054
Whitesides & Co Inc 
1355 E Garrison Blvd # C, Gastonia, NC 28054
Connor Insurance Agency 
104 North Church Street, Gastonia, NC 28054-4231
Direct Auto Insurance
1120 Union Rd Suite B, Gastonia, NC 28054
Advantage Auto Insurance Agency
1617 W Garrison Blvd, Gastonia, NC 28052
Pegram and Noyes Insurance
4312 Wilkinson Blvd, Gastonia, NC 28056
New Hope Insurance
2664 S New Hope Rd, Gastonia, NC 28056
A Better Choice Insurance
1500 S York Rd, Gastonia, NC 28052
Teal Insurance Group Inc
825-B Majestic Ct, Gastonia, NC 28054

Insurify Insights: How Gastonia Drivers Measure Up

Honda Accord
Most Popular Car in
Gastonia, NC
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Gastonia drivers measure up to their fellow North Carolina motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Gastonia

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Gastonia drivers rank 7 in the number of car accidents per driver across all cities in North Carolina.

  • Rank within state: #7
  • Percent of drivers in Gastonia with an accident: 13.22%
  • Drivers in Gastonia, NC with an accident in their driving history paid on average 19.83% more than drivers with a clean record

Speeding in Gastonia

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in North Carolina, Gastonia drivers rank 13 in the number of speeding infractions per driver.

  • Rank within state: #13
  • Percent of drivers in Gastonia with a speeding ticket: 10.94%
  • Drivers in Gastonia, NC with a speeding ticket in their driving history paid on average 49.14% more than drivers with a clean record

DUI/DWIs in Gastonia

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Gastonia drivers rank 20 in the number of DUI’s per driver across all cities in North Carolina.

  • Rank within state: #20
  • Percent of drivers in Gastonia with a DUI: 1.82%
  • Drivers in Gastonia, NC with a DUI in their driving history paid on average --% more than drivers with a clean record

Rude in Gastonia

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in North Carolina, Gastonia drivers rank 2 in rude driving infractions.

  • Rank within state: #2
  • Percent of drivers in Gastonia with a reckless driving violation: 2.28%
  • Drivers in Gastonia, NC with a reckless driving violation in their driving history paid on average 34.48% more than drivers with a clean record.

Safest Drivers in Gastonia

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Gastonia drivers rank 7 in clean driving records across all cities in North Carolina.

  • Rank within state: #7
  • Percent of drivers in Gastonia with clean record: 77.96%

Failure to Yield the Right of Way in Gastonia

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Gastonia drivers rank 8 in failure to yield violations per driver across all cities in North Carolina.

  • Rank within state: #8
  • Percent of drivers in Gastonia with a failure to yield violation: 0.3%
  • Drivers in Gastonia, NC with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Gastonia

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in North Carolina, Gastonia drivers rank 1 in the number of reckless driving offenses per driver.

  • Rank within state: #1
  • Percent of drivers in Gastonia with a reckless driving offense: 0.46%

Most Popular Vehicle in Gastonia

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Gastonia is the Honda Accord.

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

How much does car insurance in Gastonia cost?

Car insurance in Gastonia is cheap relative to other cities. The average cost of a policy is just $77 per month. However, your premium will vary depending on your driving record, age, gender, credit score, and even your occupation. That’s why it’s a good idea to compare quotes from multiple providers.

Which insurance provider offers the cheapest car insurance in Gastonia?

For the state’s minimum liability insurance and a driver with a clean record, Allstate offers the cheapest rate at $53 per month. But the best deal for you will depend on your coverage needs, your driving history, and more. Luckily, it’s easy to get personalized quotes with Insurify. You’ll just need to answer a few questions, and our artificial intelligence technology will pick a winner for the lowest premium.

Will my credit score impact my premium in North Carolina?

Most likely, yes. Most insurers in North Carolina use your credit-based insurance score to determine your premium. A policyholder with no credit could pay up to 107 percent more than a policyholder with excellent credit. But the average premium hike is 42 percent, and some insurance companies may not increase your premium due to a lack of credit history. Since every insurer weighs credit information differently, be sure to shop around for the best rate.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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