Winston-Salem, NC Car Insurance

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 CAR INSURANCE RATES

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

Jump to Winston-Salem car insurance rates by:

• Provider
• Age
• Gender and marital status
• Driving record
• Credit score

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.

WINSTON-SALEM CAR INSURANCE RATES BY COMPANY

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.

WINSTON-SALEM CAR INSURANCE PREMIUMS BY DRIVER AGE

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.

WINSTON-SALEM AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER

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.

WINSTON-SALEM CAR INSURANCE RATES AFTER A COLLISION OR CITATION

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.

WINSTON-SALEM CAR INSURANCE RATES BY CREDIT SCORE

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