Cheapest Car Insurance In Gastonia, NC 2025
For drivers in Gastonia, Nationwide provides the lowest-cost minimum coverage car insurance at about $51 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Car insurance costs in Gastonia, NC, can differ a lot, making it important to shop around for the best deal.
Those looking for the cheapest liability-only insurance should choose Nationwide. Nationwide again provides the best rates for full coverage, while Direct Auto is the most budget-friendly option for young drivers.
Cheapest Car Insurance Companies In Gastonia, NC 2025
Cheapest Liability-only Car Insurance In Gastonia: Nationwide
Nationwide stands out as the most budget-friendly insurer for minimum coverage in Gastonia, offering rates that average $51per month.
Check the table below to find out how insurance rates vary between different providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $51 | $612 |
| Travelers | $63 | $756 |
| GEICO | $57 | $684 |
| Erie | $51 | $612 |
| Allstate | $69 | $828 |
Cheapest Full Coverage Insurance Rates In Gastonia: Nationwide
If affordability is your goal, Nationwide offers the lowest full coverage insurance rates in Gastonia at about $74 per month.
This table gives a detailed comparison of average insurance quotes from affordable auto insurers in Gastonia.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $74 | $888 |
| Allstate | $101 | $1,212 |
| Erie | $75 | $900 |
| GEICO | $84 | $1,008 |
| Progressive | $102 | $1,224 |
Cheapest Car Insurance Rates For Seniors: Utica National
If you’re a senior in Gastonia looking for low-cost car insurance, Utica National has the best deal at $60 per month.
This table compares the most affordable auto insurance quotes available for senior drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Utica National | $60 | $720 |
| Travelers | $72 | $864 |
| Direct Auto | $59 | $708 |
| National General | $76 | $912 |
| Erie | $75 | $900 |
Cheapest Rates In Gastonia For Teenagers: Direct Auto
If you’re a teen driver in Gastonia, Direct Auto provides the cheapest coverage, with an average monthly cost of $93.
This table showcases the cheapest insurance providers for teens based on average rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $93 | $1,116 |
| Utica National | $108 | $1,296 |
| National General | $97 | $1,164 |
| Erie | $112 | $1,344 |
| North Carolina Farm Bureau | $110 | $1,320 |
Cheapest Auto Insurance For Young Adults in Gastonia: Direct Auto
Direct Auto stands out as the most budget-friendly insurer for young drivers in Gastonia, with rates averaging $50 per month.
The following table outlines the most affordable car insurance options for young adults in Gastonia.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $50 | $600 |
| Utica National | $100 | $1,200 |
| Safeco | $97 | $1,164 |
| Travelers | $109 | $1,308 |
| Erie | $103 | $1,236 |
Cheapest Car Insurance In Gastonia For Good Drivers: Nationwide
Safe drivers in Gastonia can secure the lowest insurance rates with Nationwide, which offers quotes around $51 per month.
The following table outlines average insurance costs from the most competitively priced providers for safe drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $51 | $612 |
| Travelers | $63 | $756 |
| GEICO | $57 | $684 |
| Erie | $51 | $612 |
| Allstate | $69 | $828 |
Find affordable Gastonia rates
Cheapest Car Insurance In Gastonia After A Speeding Ticket: Erie
Compared to other providers, Erie is a low-cost option in Gastonia, offering average rates of $73 per month for drivers with a speeding ticket.
The following chart presents average insurance quotes for drivers who have been cited for speeding.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $73 | $876 |
| Travelers | $88 | $1,056 |
| Progressive | $95 | $1,140 |
| Allstate | $93 | $1,116 |
| Safeco | $102 | $1,224 |
Cheapest For Drivers With After At-Fault Accident: Erie
At-fault drivers looking for low-cost car insurance will find the best deal with Erie at $76 per month.
These insurance companies stand out for offering the lowest premiums to drivers with an at-fault record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $76 | $912 |
| Travelers | $91 | $1,092 |
| Dairyland | $118 | $1,416 |
| Progressive | $120 | $1,440 |
| Allstate | $116 | $1,392 |
Cheapest Rates In Gastonia For Drivers After A DUI: Erie
If you’re a Gastonia driver with a DUI, Erie provides the most cost-effective coverage, averaging $87 per month.
The table below outlines the insurance companies offering the best rates for Gastonia drivers after a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $87 | $1,044 |
| Allstate | $116 | $1,392 |
| GEICO | $99 | $1,188 |
| Progressive | $122 | $1,464 |
| Travelers | $107 | $1,284 |
Best Car Insurance Companies In Gastonia
At just $51 per month, Nationwide has the cheapest insurance for Gastonia drivers, but Erie ($53) and GEICO ($57) are solid alternatives.
Below is a comparison of Gastonia, NC’s 10 best car insurance companies, arranged by their average monthly premium.
| Company | Monthly Premium |
| Nationwide | $51 |
| Travelers | $63 |
| GEICO | $57 |
| Erie | $53 |
| Allstate | $69 |
| Direct Auto | $70 |
| National General | $75 |
| State farm | $81 |
| Dairyland | $69 |
| Liberty Mutual | $83 |
Average Auto Insurance Rates In Gastonia – By Age
Insurance companies charge younger drivers higher premiums because they are more likely to be in accidents. As a result, teens typically pay around $1,454 per year for car insurance.
By 25, many drivers enjoy lower insurance premiums, assuming they have stayed accident-free.
The most affordable car insurance rates are often available to drivers in their 50s and early 60s, as insurers rely on age to estimate risk.
| Age | Average Yearly Rate |
| Teenagers | $1,454 |
| 20s | $1,772 |
| 30s | $2,103 |
| 40s | $1,707 |
| 50s | $1,486 |
| 60s | $1,558 |
| 70s | $1,522 |
Average Rates In Gastonia – By Vehicle
What you drive directly impacts your insurance rates. Insurers charge more for newer, luxury cars with expensive technology and high replacement costs.
You can find the average Gastonia insurance rates for different vehicle types in the table below.
| Vehicle | Average Monthly Rate |
| Toyota Prius V | $65 |
| Kia Forte | $670 |
| Dodge Challenger | $110 |
| Kia Soul | $330 |
| Buick Lucerne | $82 |
How Much Is Car Insurance In Other Cities in North Carolina?
Your city’s crime and accident rates influence your insurance costs. If you live in an urban area with higher risks, expect to pay more for coverage.
In Charlotte, the average car insurance premium is $162 per month, whereas in Asheville, it’s about $105 per month.
| City | Average Monthly Rate |
| Goldsboro | $147 |
| Charlotte | $162 |
| Greenville | $132 |
| Cary | $125 |
| Chapel Hill | $130 |
| High Point | $130 |
| Asheville | $105 |
| Greensboro | $143 |
| Fayetteville | $138 |
| Durham | $160 |
Average Cost Of Auto Insurance In Gastonia – By Zip Code
Car insurance costs are based partly on zip codes since insurers use them to analyze crime risk in different areas.
The following table displays the average insurance premiums for different zip codes in Gastonia.
| City | Average Monthly Rate |
| 28034 | $80 |
| 28054 | $142 |
| 28016 | $90 |
| 28056 | $155 |
| 28052 | $138 |
Find affordable Gastonia rates
Our Methodology
With a focus on customer experience, pricing, policy selection, and online reviews, I’ve put together a detailed comparison of car insurance providers in Gastonia, NC.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Gastonia?
Gastonia drivers can get the best rates from Nationwide for minimum coverage. Nationwide is also good for full coverage, which includes both collision and comprehensive coverage.
What is the average cost of car insurance in Gastonia?
Car insurance in Gastonia costs roughly $150 per month on average, with rates influenced by zip code, vehicle make and model, and driving history.
