Cheapest Auto Insurance in Gastonia, North Carolina (2024)

Midvale Home & Auto offers the cheapest car insurance in Gastonia, with minimum-coverage policies as low as $38 per month.

Taylor Milam-Samuel
Taylor Milam-Samuel
  • 8+ years writing for major outlets, including MarketWatch and Business Insider

  • Master’s in Education

Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated June 16, 2024

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Cheapest recent rates near Gastonia, North Carolina

Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $63/mo for full coverage in Gastonia and other North Carolina cities.

*Quotes generated for Insurify users in and around Gastonia, North Carolina within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Gastonia, North Carolina within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Located near Charlotte, Gastonia is one of the most populous cities in North Carolina and offers residents a perfect mix of big-city amenities with a small-town atmosphere. The average monthly cost of car insurance in Gastonia is $88, nearly the same as the state average of $80.

North Carolina, in general, is known for its affordable cost of living, and car insurance costs follow suit. The average monthly cost of auto insurance in North Carolina — and Gastonia — is cheaper than the national average.

Despite the affordable rates, it’s still important to shop for the best deal on a car insurance policy.

Quick Facts
  • The average rate for liability car insurance in Gastonia is $69 per month. The average rate for full coverage is $106.

  • Midvale Home & Auto, Erie, and Nationwide are Gastonia’s most affordable car insurance companies.

  • Gastonia drivers must have liability-only coverage, including bodily injury and property damage, in order to drive legally.

3 of the cheapest car insurance companies in Gastonia 

The best car insurance company for you depends on the type of coverage you need and your individual circumstances. Erie, Direct Auto, and GEICO are three of the most popular insurers in Gastonia. These companies offer low prices, solid customer service, and high-quality coverage.

As you begin your search, remember to compare quotes from several companies, and including these three in your search is generally a good idea.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Erie4.6$63$41Cheap rates
GEICO4.4$72$46Discounts
Direct Auto3.6$108$53High-risk drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: Erie

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$45/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$68/mo

Erie offers some of the lowest car insurance rates in Gastonia, making it an easy pick to save money on your coverage costs. Comprehensive policies include locksmith services and protection for your personal property. And while most car insurance companies charge more for these features, Erie includes them at no additional cost.

You can also take advantage of Erie’s Rate Lock feature, which helps ensure minimal rate increases. The feature is especially useful for drivers in Gastonia, where most families earn a middle-class income.[1]

Pros
  • Coverage includes free perks like glass repair

  • Diminishing deductible can reduce costs

Cons
  • Not available in every state

  • Minimal discounts

Read our Erie Insurance review
Salvador - June 15, 2024
Verified

Great!

Great service, but the price increases after a claim, even after years of service.

George - June 6, 2024
Verified

Poor

I love you all, but I don't understand why my insurance went up.

Teresa - June 3, 2024
Verified

It's fine. I haven't had to use it, thank goodness, so I really can't give a real review. Have a great day.

It's fine. I haven't had to use it, thank goodness, so I really can't give a real review. Have a great day.

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$50/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$78/mo

GEICO is a great pick if you’re interested in tracking your driving habits to earn a discount. The DriveEasy app offers reduced rates for safe driving habits. It’s a valuable option for Gastonia drivers who regularly commute to Charlotte for work or school since the app allows you to maximize your score and earn streaks for longer drives.

You can also earn additional discounts for bundling policies, including home, renters, life, and business insurance.

Pros
  • 24/7 customer service

  • Numerous discounts

Cons
  • Doesn’t offer rideshare coverage

  • New car replacement coverage not available

Read our GEICO review
Joseph J - June 16, 2024
Verified

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

David - June 16, 2024
Verified

GEICO's Rates are Too High

The premiums have increased astronomically.

Cynthia - June 16, 2024
Verified

Poor Service

Stay away from this disorganized, greedy, and rarely available company.

Best insurer for high-risk drivers: Direct Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.6
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$58/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$116/mo

Direct Auto specializes in coverage for high-risk drivers, making it a solid option for people with a violation on their record. Drivers can also select their payment due date, which offers additional flexibility.

Direct Auto also offers various discounts, including a multi-car discount, a welcome-back discount, and a good student discount. Drivers in Gastonia can also take advantage of a Senior Citizen discount, which is especially helpful since a large number of area residents are of retirement age.[2] Even though rates are competitive, you might be able to find a better deal with a different insurer if you have a clean driving record.

Pros
  • Affordable coverage for high-risk drivers

  • Life insurance also available

Cons
  • Many customer complaints on the Better Business Bureau (BBB) website

  • Extra coverage options are limited

Read our Direct Auto review
Holly - June 15, 2024
Verified

Don't Understand the Price Increase

I don't understand why my insurance keeps increasing in price. I have no accidents or tickets, so I'm unsure why the cost keeps rising.

Marguerite - June 13, 2024
Verified

Disappointed

They quote you one price and then increase it immediately. The agents are very poor. If you pay in the office, they charge a fee.

Sherry - June 13, 2024
Verified

Not Worth It

It's too expensive compared to others. The staff is not very friendly.

How to get the cheapest car insurance in Gastonia

Your age, driving record, credit score, ZIP code, and vehicle year all affect your car insurance costs. Some of these factors are outside your control, but you can lower your car insurance costs by following these tips:

  • Utilize discounts. Most insurers offer various discounts, including rate deductions for military affiliation, age, loyalty, and safe driving. Check the discounts available from each insurer before moving forward with a policy. Agents usually inform you about discounts when you sign up, but it’s always worth double-checking.

  • Maintain a clean driving record. Your driving record is one of the most important factors that determines the rates you’ll pay for car insurance. Watch your speed and drive defensively to keep your rates as low as possible.

  • Get quotes from multiple insurers. Comparing quotes from different insurers is the best way to secure a lower car insurance rate. When you compare rates, it’s easier to determine if you’re getting a good deal.

Find Cheap Car Insurance in Gastonia, NC

Liability rates start at $38 per month

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Cheapest liability-only car insurance in Gastonia: Midvale Home & Auto

Liability-only car insurance ensures you have enough coverage to meet the state-mandated coverage laws in North Carolina. This insurance helps pay for car repairs and medical expenses for the other driver and their passengers when you cause an accident. But it doesn’t cover any of the repair costs for your car.

The average monthly rate for liability-only car insurance in Gastonia is $69, and you can see a collection of rates available from top insurers here.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Midvale Home & Auto$38
Erie$45
Nationwide$45
State Auto$46
GEICO$50
Liberty Mutual$53
Travelers$55
Safeco$56
Direct Auto$58
Dairyland$59
Allstate$60
Progressive$62
National General$71
State Farm$73
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Gastonia: Erie

Full-coverage car insurance includes liability coverage as well as comprehensive and collision coverage, which helps pay for vehicle repairs for your car. If you have a vehicle that would be expensive to replace, a full-coverage policy could make sense for you. But if your car is old or not worth much money, you might not need it.

The average rate for full-coverage car insurance in Gastonia is $106 per month, and you can see a collection of rates available from top insurers here.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Erie$68
Nationwide$68
Midvale Home & Auto$76
GEICO$78
Travelers$86
Allstate$93
Progressive$95
State Auto$99
Safeco$105
State Farm$112
Direct Auto$116
National General$131
Liberty Mutual$175
Dairyland$271
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Gastonia, North Carolina

Drivers using Insurify have found quotes as cheap as $42/mo for liability only and $70/mo for full coverage in Gastonia and other North Carolina cities.

*Quotes generated for Insurify users in and around Gastonia, North Carolina within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Gastonia, North Carolina within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in North Carolina

North Carolina state law requires drivers to have liability coverage, including bodily injury and property damage. The coverage helps pay for the other driver’s vehicle repairs and medical expenses when you cause an accident.

Here’s how much coverage you need, according to North Carolina state law:[3]

CoverageMinimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident 
Property damage liability$25,000 per accident 

If you’re interested in enhancing your coverage beyond the state-required minimums listed above, you may want to consider any of the following optional policies:

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Personal injury protection (PIP) coverage

    If you have injuries due to an accident, PIP coverage helps pay for your medical care.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Despite state laws, some people don’t have car insurance. If another driver causes an accident and doesn’t have insurance (or enough insurance), uninsured/underinsured motorist coverage helps pay for your vehicle repair costs.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    If your car breaks down or you need a tow, roadside assistance helps cover the costs.

Cheapest car insurance for drivers with an incident

Auto insurance costs increase after an incident, including at-fault car accidents, speeding tickets, driving under the influence (DUI), and other moving violations. Insurance companies charge more for coverage because such incidents on your record indicate you may demonstrate risky driving behavior going forward.

But despite the price increase, it’s still possible to find competitive rates after an incident. 

The following insurers offer the best rates for high-risk drivers in Gastonia, and the table below shows how individual incident types can affect your rates.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Midvale Home & Auto$38$53$57$66
Erie$45$62$65$79
Nationwide$45$61$65$79
State Auto$46$67$72$80
GEICO$50$68$71$87
Liberty Mutual$53$79$82$93
Travelers$55$75$79$96
Safeco$56$77$78$98
Direct Auto$58$79$84$101
Dairyland$59$80$84$103
Allstate$60$81$85$105
Progressive$62$84$90$108
National General$71$94$101$124
State Farm$73$98$104$127
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Your age is another key factor that affects your insurance costs. Young drivers, especially teenagers, pay more for coverage due to an increased risk of reckless behavior and general inexperience.

Fortunately, premiums tend to decrease around age 35, with the lowest rates near retirement age. But rates increase again around age 70 because of concerns regarding the effect of reduced faculties on a driver’s ability.

The table below shows the average car insurance costs in Gastonia for each age group.

AgeAverage Monthly Quote
Teens$200
20s$248
30s$231
40s$196
50s$146
60s$103
70s$77
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance in Gastonia, North Carolina

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Gastonia car insurance quotes by credit tier

North Carolina allows insurers to review your credit history during the underwriting process. Because of that, drivers in Gastonia can expect to pay more or less for car insurance depending on their credit score.

Insurance companies consider low credit scores to indicate higher levels of risk and charge more as a result. Drivers with poor credit scores pay more for car insurance. On the other hand, drivers with excellent or good credit typically pay less.

Here are the average car insurance rates for each credit tier in Gastonia.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Gastonia car insurance FAQs

Looking for more information to help you find the most affordable car insurance in Gastonia? Consult the answers below.

  • How much is car insurance in Gastonia?

    The average rate for car insurance in Gastonia is $88 per month. The average monthly rate for liability coverage is $69, and the average rate for full coverage is $106.

  • Which company has the cheapest car insurance in Gastonia?

    Midvale Home & Auto offers the cheapest car insurance in Gastonia, at $38 per month. Erie and Nationwide also offer cheap rates in the area, with respective monthly rates of $45 and $45.

  • What are the best car insurance companies in Gastonia?

    Erie Insurance, GEICO, and Direct Auto are three of the top insurers in Gastonia. Erie and GEICO are known for their low rates, financial stability, and customer service. Direct Auto is known as an affordable option for people with a past infraction on their record looking to secure affordable car insurance.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Neighborhood Scout. "Gastonia, NC."
  2. Census Reporter. "Gastonia, NC."
  3. North Carolina Department of Transportation. "Insurance Requirements."
Taylor Milam-Samuel
Taylor Milam-Samuel

Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

Featured in

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