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Best Local Car Insurance Agencies in Gastonia, NC

Our Recommended Top 15

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Gastonia Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

57Reviewed

40Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2664 South New Hope Road, Gastonia, NC 28056
WebsiteLicense: 1000141208

Expertise.com Rating

Review Sources

Google
4.8 (277)
Facebook
4.8 (24)

Why choose this provider?

New Hope Insurance is an auto insurance provider that has been serving the community of Gastonia for more than eight years. It provides liability, property, and medical coverage for accident-related physical injuries, vehicle damages, and other losses like car theft. Aside from assisting clients in getting the right insurance policy, the agents also look into the situation of policy buyers and utilize the gathered information to customize an insurance plan that considers their distinctive personal lives.

  • Motorcyle & ATV

1108 D Union Road, Gastonia, NC 28054
WebsiteLicense: 1000391325

Expertise.com Rating

Review Sources

Google
4.7 (40)
Facebook
4.9 (28)

Why choose this provider?

A1 Insurance Coverage is an insurance agency that provides car insurance in Gastonia. The family-owned and operated insurance agency offers car insurance with liability, medical, and property coverage options. On the other hand, their commercial car insurance offers collision coverage for liability, medical payments, loss of earnings, and emergency roadside assistance. Some of the vehicles they insure include passenger cars, passenger buses, and cargo vans. A1 Insurance Coverage started operations in 1990.

  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

1104 East Garrison Boulevard, Gastonia, NC 28054
WebsiteLicense: 1000640057

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Carolina Elite Insurance is an independent agency that services Gastonia and the surrounding regions. The local insurance agents from this firm offer an auto insurance policy that protects individuals against financial loss caused by an accident. The auto insurance plan has multiple coverage choices, such as liability, collision, medical, and comprehensive. Its professionals also offer boat, motorcycle, and RV insurance solutions. Carolina Elite Insurance represents multiple carriers to be able to offer the appropriate coverage.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

6823 South Boulevard, Charlotte, NC 28217
WebsiteLicense: 8668787

Expertise.com Rating

Review Sources

Google
4.0 (14)

Why choose this provider?

Van Nguyen is a local State Farm Insurance Agent in Charlotte that operates in the Gastonia metro and nearby areas. The agency specializes in home, auto, and life insurance products and offers comprehensive car insurance policies that protect clients and their vehicles from collisions and various physical damages. The policies may also cover expenses for rentals incurred during the repair or replacement period. Van Nguyen Agency also provides coverage for vehicles used in ridesharing.

  • Multiple Carriers

4312 Wilkinson Boulevard, Gastonia, NC 28056
WebsiteLicense: 6551444

Expertise.com Rating

Review Sources

Google
5.0 (227)
Facebook
4.6 (17)
Yelp
5.0 (1)

Why choose this provider?

Pegram & Noyes Insurance Agency provides auto coverage plans for clients in Gastonia. Vehicle owners can expect policies that cover collision and non-collision damages or losses, bodily injury or property damage liability protection, and repair or replacement collision coverage. The company's additional insurance options include tow truck coverage, auto loan and lease protection, and uninsured or underinsured motorist coverage. Pegram & Noyes also aids commercial auto insurance clients in determining the scope of their policy based on what business is conducted with the vehicle.

  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

212 3rd Avenue Northwest, Hickory, NC 28601
WebsiteLicense: 1000007727

Expertise.com Rating

Review Sources

Google
4.9 (65)
Facebook
4.7 (19)

Why choose this provider?

First Security Insurance is a company that has been serving clients in Gastonia since 1919. The agency assists automobile owners looking for protection plans for possible damages or expenses. Its agents assess each client's history and financial status. They can provide general coverage for any possible risks, as well as specific coverages for incidents like traffic collisions and medical injuries. The company can also add coverage for car repairs and replacement should the responsible party be underinsured. Additionally, First Security Insurance has business auto insurance plans.

  • Bundling Option
  • RV & Motorhome

222 South Chestnut Street, Gastonia, NC 28054
WebsiteLicense: 1000605788

Expertise.com Rating

Review Sources

Google
4.3 (36)
Facebook
5.0 (1)
Yelp
1.0 (1)

Why choose this provider?

Charles Cox Insurance Agency is a car insurance agency in Gastonia. Its philosophy of great customer service is evident in its staff, who strive to embody the role of friendly neighborhood insurance agent among the clientele. The agents at Charles Cox Insurance Agency help customers find the right auto insurance for their requirements and their budget. They also offer business auto insurance, motorcycle and RV insurance, and home and renters insurance.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

103 3rd Street Southeast, Conover, NC 28613
WebsiteLicense: 1000013935

Expertise.com Rating

Review Sources

Google
5.0 (22)
Facebook
4.6 (19)

Why choose this provider?

Jason Herman Insurance Agency is a team of professionals offering a variety of insurance solutions to customers in Gastonia. The business offers auto insurance services to protect clients and their automobiles with policies to keep them safe and confident when driving. Its insurance agents offer roadside assistance, medical expense, loss of use, liability, collision, and comprehensive auto insurance coverages. They also cover other vehicles, such as boats, ATVs, RVs, and motorcycles.

  • Multiple Carriers

214 South Main Street, Clover, SC 29710
WebsiteLicense: 1901835022

Expertise.com Rating

Why choose this provider?

Sifford-Stine Insurance Agency is a locally operated insurance firm in Clover that extends its services to the people of Gastonia and all of South Carolina. Independently owned, it works with multiple carriers to provide clients with policies that will meet their needs, expectations, and priorities. Drivers looking to insure their vehicles may contract the service of the company’s professional agents to find suitable protection from unexpected events on the road. Additionally, Sifford-Stine Insurance Agency insures motorcycles, classic cars, and motorhomes.

  • Bundling Option

1912 East Main Street, Lincolnton, NC 28092
WebsiteLicense: 6565611

Expertise.com Rating

Review Sources

Facebook
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Billye Roland is a State Farm insurance agent serving Gastonia and other areas. Billye has over 30 years of insurance experience with State Farm. She and her team simplify their presentation of insurance coverages when educating clients about the company's collision, comprehensive, rideshare, rental, liability, and roadside assistance. She keeps a pet-friendly office and is proud to serve her local community by keeping them informed of their insurance coverage and rights in claims processing.

  • Multiple Carriers

1312 West Franklin Boulevard, Gastonia, NC 28052
WebsiteLicense: 1000377765

Expertise.com Rating

Review Sources

Google
4.9 (204)
Facebook
4.6 (9)

Why choose this provider?

Beard Insurance Agency is an independent company in Gastonia that is committed to providing quality insurance solutions and customer service. The agency represents more than 40 insurance carriers to make sure drivers and vehicle owners find the right auto insurance policies. Additionally, its team of insurance professionals works with clients to determine their situation and budgets and deliver personalized insurance solutions. Beard Insurance Agency also offers insurance coverage for motorcycles, recreational vehicles, trucks, boats, and watercraft.

  • Multiple Carriers

7005 Wilkinson Boulevard, Belmont, NC 28012

Expertise.com Rating

Review Sources

Google
4.8 (87)
Yelp
5.0 (1)

Why choose this provider?

AllCare Insurance Services has been serving Gastonia and residents throughout North Carolina with its insurance products. Established in 1984, the independent insurance agency goes through several carriers to provide different policies to its clients. From two wheels to watercraft, the company offers coverage for all types of vehicles such as autos, ATVs, RVs, and classic cars. AllCare Insurance Services gives back to the community by holding fundraising events for the Breast Cancer and Lung Cancer Research Foundation.

  • Multiple Carriers

4801 East Independence Boulevard, Charlotte, NC 28212
WebsiteLicense: 6615665

Expertise.com Rating

Why choose this provider?

Latorre Insurance is an independent insurance agency that provides customizable auto insurance options for clients in Gastonia. Its team of agents fluent in English and Spanish handpicks the best coverages from its network of insurance carriers, such as Erie, Travelers, Heritage, Universal, and Principal. Established in 2003, the goal of the agency is to educate clients on the available insurance options and provide the right one based on their needs.

  • Multiple Carriers

413 South York Street, Gastonia, NC 28052

Expertise.com Rating

Review Sources

Google
5.0 (92)
Facebook
5.0 (11)

Why choose this provider?

Elite Insurance is an insurance agency founded in 2015, serving customers in Gastonia and the surrounding areas. The company offers car insurance and other products from more than 60 companies, with auto insurance packages ranging from collision insurance, comprehensive insurance, and even towing and labor insurance. As an independent insurance agency, Elite Insurance is also able to compare coverage and prices among major carriers and provide clients with tailored insurance policies others may not be able to offer.

  • Motorcyle & ATV

245 East Second Avenue, Gastonia, NC 28052
WebsiteLicense: 1000002343

Expertise.com Rating

Review Sources

Google
4.9 (136)

Why choose this provider?

Watson is an insurance agency headquartered in Gastonia. It offers car insurance to protect clients in case of injury, damage, or loss caused by the policyholder or by other people. The plan includes liability, collision, and comprehensive protection. It can also have coverage for medical payments, emergency road service, and uninsured motorist protection. The company comprises insurance agents that follow a proactive approach in addressing each policy buyer's insurance needs.

  • RV & Motorhome

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
New Hope Insurance Agency - Gastonia
2664 South New Hope Road, Gastonia, NC 28056
A-1 Insurance Coverage
1108 D Union Road, Gastonia, NC 28054
Carolina Elite Insurance
1104 East Garrison Boulevard, Gastonia, NC 28054
Van Nguyen
6823 South Boulevard, Charlotte, NC 28217
Pegram & Noyes Insurance Agency
4312 Wilkinson Boulevard, Gastonia, NC 28056
First Security Insurance - Hickory
212 3rd Avenue Northwest, Hickory, NC 28601
Charles Cox Insurance Agency
222 South Chestnut Street, Gastonia, NC 28054
Jason Herman Insurance Agency
103 3rd Street Southeast, Conover, NC 28613
Sifford-Stine Insurance Agency
214 South Main Street, Clover, SC 29710
Billye Roland
1912 East Main Street, Lincolnton, NC 28092
Beard Insurance Agency
1312 West Franklin Boulevard, Gastonia, NC 28052
Allcare Insurance Services, Belmont
7005 Wilkinson Boulevard, Belmont, NC 28012
Latorre Insurance-Charlotte
4801 East Independence Boulevard, Charlotte, NC 28212
Elite Insurance
413 South York Street, Gastonia, NC 28052
Watson - Gastonia
245 East Second Avenue, Gastonia, NC 28052

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • If a Gastonia resident purchases a new car, will it automatically be covered under their existing insurance policy?

    Yes. In Gastonia, newly acquired vehicles get automatic coverage provided the insurance firm is informed within 30 days. For added cars, the highest coverage on your existing policy applies. For replacements, the coverage remains consistent with what the prior vehicle had. Failing to alert the insurer within the specified period results in the absence of automatic protection.

  • What protection does basic and affordable auto insurance in Gastonia typically provide?

    Affordable car insurance in Gastonia generally includes several key coverages. It addresses liabilities, covering damages or injuries you impose on others or their assets. It provides collision protection for your own vehicle damages post-crash. It shields against non-accident harms like theft or natural calamities through comprehensive coverage. Additionally, it covers costs stemming from incidents with uninsured or inadequately insured drivers.

  • Are there alternatives to obtaining the minimum car insurance in Gastonia?

    Yes. North Carolina offers alternatives to meet the state's insurance requirements. Drivers in Gastonia can opt for a surety bond worth at least $85,000, ensuring financial responsibility. Self-insurance is available for those with 26 or more vehicles, provided they prove financial capability. Alternatively, drivers can deposit $85,000 with the State Treasurer for a compliance certificate. Real estate bonds are also an option, guaranteeing up to $85,000 per accident if drivers can provide one to the Commissioner.

  • Can high-risk drivers in Gastonia be denied auto insurance according to North Carolina law?

    No. High-risk drivers are not permitted to be turned down for coverage by Gastonia auto insurance providers under North Carolina law. They should be asked to join the Reinsurance Facility instead. This program offers coverage that satisfies the legal minimums, helping drivers with bad credit, DUIs, and similar issues.

  • How does North Carolina's Safe Drivers Incentive Plan (SDIP) affect insurance rates in Gastonia?

    North Carolina's SDIP uses a point system to influence insurance rates in Gastonia. Points are assigned for violations and at-fault accidents, and accumulating points can increase insurance fees. For instance, a single point can raise insurance costs by up to 30 percent. This system rewards safe driving, offering lower rates to drivers with clean records while penalizing those with poor driving habits and encouraging safer driving practices in Gastonia.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.