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Kristine Lee

Manager, Content and Data

  • Licensed Insurance Agent — Property and Casualty

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

What is the average cost of car insurance in Winston-Salem?

The typical Winston-Salem driver pays $847 per year for auto insurance. That's less than the statewide average in North Carolina ($955) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Winston-Salem.

Winston-Salem Average (annual) North Carolina Average National Average
$847 $955 $1,548

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Winston-Salem car insurance costs by company

One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. In Winston-Salem, GEICO provides the most affordable rates for the typical insurance customer. See below the best options for affordable auto insurance in Winston-Salem. Don't forget to get car insurance quotes based on your driving profile.

Insurance Company Average Annual Rate
GEICO $517
North Carolina Farm Bureau $684
Erie $725
State Farm $732
Nationwide $914

Check out our guide to learn how to find the best cheap car insurance.

Winston-Salem car insurance premiums by age

The age bracket that pays the least for auto insurance in Winston-Salem consists of drivers in their 60s, who pay an average of $793. Those in their 50s don't pay much more ($793).

The Winston-Salem drivers facing the priciest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Winston-Salem is to age out of your teens. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Winston-Salem is $972. That's the biggest gap in premiums between any pair of age brackets.

Age tier Average Annual Rate
Teenagers $1,893
20s $922
30s $840
40s $825
50s $793
60s $793
70s $843

Learn more about the impact of age on auto insurance rates.

Winston-Salem car insurance rates by gender and marital status

Marital status and gender can be contributors to car insurance rates, in some cases. In Winston-Salem, married drivers pay $6 more than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single.

Gender is another factor that can affect car insurance rates. In Winston-Salem, the gap in car insurance costs between genders is $1 per year, with male drivers paying more than female drivers.

Marital Status/Gender Average Annual Rate
Female $847
Male $847
Single $853
Married $853
Divorced $847
Widowed $847

Learn more about the impact gender and marital status have on insurance rates.

Winston-Salem car insurance costs by accident and citation history

If you want to keep your car insurance costs reasonable, keep your driving record clean. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Winston-Salem, a reckless driving citation results in an average insurance rate increase of $728 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $2,992 increase and a speeding ticket triggers a $432 rate hike.

Violation Average Yearly Rate
DWI/DUI $3,839
Reckless Driving $1,575
At-fault Accident (damages < $1,000) $1,133
At-fault Accident (damages greater than $2,000) $1,386
Speeding Ticket (16-20 mph over speed limit) $1,279

Learn more about citations' impact on your auto insurance rates.

Winston-Salem car insurance rates by credit tier

Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In fact, Winston-Salem drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 42% decrease in car insurance rates. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Winston-Salem, moving into the "Fair" credit tier corresponds to an average of $344 in savings on insurance each year.

Credit Score Average Annual Rate
Very Poor $1,344
Fair $1000
Good $847
Very Good $821
Exceptional $785

Learn more about the relationship between poor credit and car insurance.

What drives up car insurance rates in Winston-Salem?

Where you live in Winston-Salem affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Winston-Salem is no exception to the rule. From ZIP code 27110 to 27284, premiums rise by 2 percent—that's $15.

Expensive Winston-Salem ZIP codes: 27199, 27198, 27127, 27107, 27284

Cheap Winston-Salem ZIP codes: 27110, 27101, 27103, 27104, 27105

Winston-Salem Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Winston-Salem, you can expect 113 rainy days with an annual rainfall of 46 inches. Winston-Salem is also known to experience thunderstorms and occasional hurricanes.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in Winston–Salem

Major Highways
U.S. 52 U.S. 311 I-40
Public Transit

Find Local Winston-Salem Agents

Alliance Insurance Services, LLC

348 Summit Square Blvd, Winston-Salem, NC 27105

Mountcastle Insurance

130 Charlois Blvd, Winston-Salem, NC 27103

F.P. Wilson Insurance Services

3288 Robinhood Rd. Suite 102, Winston-Salem, NC 27106


The average Winston-Salemite's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 227 Krispy Kreme doughnuts or $284 in savings

See How Much You Can Save in Winston-Salem

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.