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.
See More: Cheap Car Insurance North Carolina
See More: Compare Car Insurance
See More: Best Car Insurance Companies
Proof of insurance must be carried in your car at all times and must available when:
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.
The state minimum amount of property damage liability coveragerequired 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.
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.
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.
|Failure to Stop for Red Light / Stop Sign||$203|
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 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
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.