Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • The cheapest car insurance company in Gastonia after a DUI is Liberty Mutual
  • Average car insurance rates in Gastonia, NC are $308/month
  • Average car insurance rates in Gastonia, NC for senior drivers are $2,793/year

Average car insurance rates in Gastonia, North Carolina are $308 a month. But with a little research you can get a great deal from the top car insurance companies in Gastonia, NC. Before you buy Gastonia, North Carolina car insurance, make sure your coverage meets or exceeds the North Carolina minimum of 30/60/25.

It may even be helpful to compare Gastonia car insurance rates with Charlotte car insurance rates, Durham car insurance rates, or Wilmington car insurance rates to make sure you’re getting the best Gastonia, NC car insurance quotes available.

Need affordable Gastonia, NC car insurance? Enter your ZIP code to compare Gastonia car insurance quotes from multiple car insurance companies near you.

Gastonia, NC Minimum Car Insurance Coverage

Gastonia, North Carolina law requires drivers carry a minimum of 30/60/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage 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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Gastonia, NC Car Insurance Rates by Coverage Level

Some Gastonia drivers can get by with the North Carolina minimum coverage of 30/60/25. Other drivers may need more. See how much your Gastonia, North Carolina car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Gastonia, North Carolina

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

Gastonia, NC Car Insurance Rates by Age, Gender, and Marital Status

Gastonia, North Carolina car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Gastonia, NC car insurance, get quotes from multiple car insurance companies in the Gastonia area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Gastonia, North Carolina

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

Gastonia, NC Car Insurance Rates for Teens

How much is Gastonia, North Carolina car insurance for teens? Compare rates from top Gastonia car insurance companies below to help find the cheapest teen car insurance in Gastonia, NC.

Annual Car Insurance Rates for Teen Drivers 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

Gastonia, NC Car Insurance Rates for Seniors

Before seniors buy Gastonia, North Carolina car insurance, they should make sure to shop around. Some Gastonia, NC car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Gastonia, North Carolina

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

Gastonia, NC Car Insurance Rates by Credit History

How does your credit history affect Gastonia, NC car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Gastonia, North Carolina

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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Gastonia, NC Car Insurance Rates by Driver History

How does a single speeding ticket affect your Gastonia, North Carolina car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Gastonia.

Annual Gastonia, North Carolina Car Insurance Rates by Driving Record

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

Gastonia, NC Car Insurance Rates With a DUI

Even a single DUI can increase your Gastonia, NC car insurance rates. Compare rates below to see which Gastonia car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Gastonia, North Carolina

Insurance Company Annual Car 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

Gastonia, NC Car Insurance Rates by ZIP Code

Just like Gastonia car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Gastonia, NC car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Gastonia, North Carolina

ZIP Code Average Annual Rates
28052 $3,417
28054 $3,446
28056 $3,263

Gastonia, NC Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Gastonia, NC car insurance rates may be. Let’s take a look at average car insurance rates from top Gastonia companies based on commute time.

Annual Car Insurance Rates by Commute Length in Gastonia, North Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

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Gastonia, NC Cheapest Car Insurance Rates

How do the top Gastonia, North Carolina car insurance companies’ average rates stack up against the Gastonia average monthly car insurance rates of $308? Take a look and see.

Best Annual Car Insurance Rates by Company in Gastonia, North Carolina

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

Gastonia, NC Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Gastonia, North Carolina car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Gastonia, North Carolina

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

Other Factors Affecting Gastonia, NC Car Insurance Rates

Before you buy Gastonia, North Carolina car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Gastonia, NC Commute Time

How does your Gastonia, NC commute time compare with the average driver? In Gastonia, the average commute is 24.8 minutes.

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Gastonia, NC Car Insurance Quotes

Compare Gastonia, NC car insurance quotes from multiple companies by entering your ZIP code now.