Gastonia Auto Insurance Rates, Quotes, Agents & Reviews in NC

Gastonia, NC Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Gastonia, NC, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Gastonia, NC are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Gastonia, NC Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Gastonia, NC with that of other cities in and around Gastonia.

Gastonia Gaston County Lowell McAdenville Cramerton Ranlo
Average Insurance Rates $970 $974 $1,066 $985 $1,027 $1,019

Gastonia, NC Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Gastonia, NC based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Gastonia $999 $844
Gaston County $2,499 $2,111
Ranlo $1,050 $887
Lowell $2,000 $1,690
McAdenville $1,435 $1,212
Cramerton $1,523 $1,287
Spencer Mountain $1,397 $1,180
Crowders Mountain $1,067 $901

Gastonia, NC Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Gastonia, NC usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,147
20 Years $1,246
30 Years $960
40 Years $924
50 Years $855
60 Years $867
70 Years $1,009

Gastonia, NC Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Gastonia, NC can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,649 $291
3 Vehicles $2,474 $437
4 Vehicles $3,298 $582

Savings on 2 Vehicles bundle:$291

Savings on 3 Vehicles bundle:$437

Savings on 4 Vehicles bundle:$582


Gastonia, NC Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Gastonia, NC.

Location Average Insurance Cost Post DUI Insurance Rate
Gastonia $970 $3,978
Gaston County $974 $3,995
Ranlo $1,019 $4,179
Lowell $1,066 $4,372
McAdenville $985 $4,040
Cramerton $1,027 $4,212
Spencer Mountain $1,356 $5,561
Crowders Mountain $1,014 $4,159

Gastonia, NC Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $832
Excellent (740-799) $950
Good (670-739) $1,011
Average (580-669) $1,319
Poor (300-579) $1,582

Gastonia, NC Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Brooks Insurance Agency Llc Erie 607 West Trade Street, Dallas, 28034 None
Baker-Pegram Insurance Travelers 3039 S BLVD STE D, CHARLOTTE, 28209 704-522-6111
Hutch Ham Agency, Inc. None 821 Baxter St Ste 312, Charlotte, 28202 None
Nicole Nickols Allstate 207 N Main St Ste B, Stanley, 28164 (704) 971-7158
John Rose Allstate 2571b Pembroke Rd, Gastonia, 28054 (704) 864-0318
Allen Tate Insurance Services Travelers 6207 PARK SOUTH DR STE 201, CHARLOTTE, 28210 (704) 547-5656
Michael Glick Agency Inc Nationwide 1500 York Rd, Gastonia, 28052 (704) 864-8621
Main Street Financial Group Dba Main Street Insurance Group Erie 221 W 11Th St, Charlotte, 28202 None
Phil Champion State Farm 27 E Catawba St, Belmont, 28012-3351 704-461-8944
Jeremy Fulkerson State Farm 4805 Park Road, Charlotte, 28209-3676 704-523-9005
Whitesides & Company Inc Liberty Mutual Independent 1355 E GARRISON BLVD, GASTONIA, 28054 (704) 865-3455

Gastonia, NC Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$43 $1,013
Driver's Failure In Showing Documents +$94 $1,064
Driving With An Expired Registration +$100 $1,070
Driving At A Considerably Slow Pace +$210 $1,180
Using A Cellphone While Driving +$222 $1,192
Running A Red Light +$226 $1,196
Speeding +$238 $1,208
Driving A Vehicle Without The Required Permission +$302 $1,272
Driving With An Expired/Suspended License +$654 $1,624

Gastonia, NC Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $931
Active Disabling Device $931
Tracking Device $912
Passive Disabling Device $902

Latest Auto Insurance Reviews in Gastonia, NC | Back to Top

Progressive
I am pleased with my experience with the customer service of my insurance company. I have not needed to file a claim but they are polite when I call regarding our premiums.
Progressive
I absolutely recommend Progressive. I even called my dad after I saw how much cheaper their rates were than what I had before. I thought there was a mistake, so I called him to talk it over with him.
Allstate
I would recommend my car insurance company. They will match any price plus they are super friendly. I actually enjoy calling and talking to them!
Aaa
Honestly I can speak too much about the premiums and deductibles when compared to other home insurance policies because I do not really like the process of comparing stuff between companies.
State Farm
I have had a good experience with State Farm and am satisfied with their services.
State Farm
I feel like there's a personal investment, and it's about keeping you and your family safe, caring for the person who is insuring their property for the agents.
Farm Bureau
They offer a wide range of policys from the minimum legal requirement to full coverage and motorcycle insurance. They will also custom build a policy if you want to go that route.
Alfa Insurance
We had an accident claim when my 19 yr old son hit a telephone pole. The car was totaled, they paid to have it towed from an island on the ferry to an auto repair shop just a couple miles from our home. They paid the blue book value of the car right away. They paid for my son's doctor bill and physical therapy. They kept my son on the insurance policy after the accident and the premium was not raised! (we had good driver points)
Alfa Insurance
We had an accident claim when my 19 yr old son hit a telephone pole. The car was totaled, they paid to have it towed from an island on the ferry to an auto repair shop just a couple miles from our home. They paid the blue book value of the car right away. They paid for my son's doctor bill and physical therapy. They kept my son on the insurance policy after the accident and the premium was not raised! (we had good driver points)
Progressive
Progressive premiums bmay be a little higher than other companies but I believe it's because they have very good coverage. Well worth the money.
Allstate
All state is awesome in terms of the plans they offer. They offer multi car discounts, safe driving discounts and they also offer may as you drive fees which are great for those who don't drive much.
Westfield Insurance
The company is fairly small, so the customer service isn't as overreaching since business hours are a little short. Their website though is interactive and I prefer paying the policy online through it.