Gastonia has 82,884 residents in 32,378 households. We list 13 insurance agencies in Gastonia. Here is what the local numbers say about the cover people here need.

Gastonia at a glance

13insurance agencies listed
45.8%of households rentRenters insurance
$277,600median home valueHome insurance
1978median year homes were builtRebuild cost calculator
7.9%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Gaston County

FEMA rates the overall natural hazard risk in Gaston County, where most Gastonia agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Ice stormVery High
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in North Carolina
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in North Carolina
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in North Carolina

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in North Carolina

North Carolina requires drivers to carry at least $50,000 of bodily injury liability per person, $100,000 per accident and $50,000 of property damage liability, often written 50/100/50. It also requires underinsured motorist coverage.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in North Carolina How much liability cover do you need?

Source: ncdoi.gov, limits in force since 2025-07-01. Checked 2026-10-24.

What Gastonia agencies can write

Share of the 13 agencies listed in Gastonia that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Gastonia agencies are

Gastonia agencies we list sit in 3 ZIP codes, mostly in Gaston County.

2805410 agencies
280522 agencies
280561 agency

Questions

Insurance agencies in Gastonia

How do I find an insurance agency in Gastonia?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Gastonia?

FEMA's National Risk Index rates inland flooding risk in Gaston County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Gastonia?

45.8% of households in Gastonia rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Agencies near Gastonia

For insurance agencies

Is your Gastonia agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing