How Much Are Car Insurance Rates in Winston-Salem?
North Carolina premiums are recognized for being inexpensive. They generally fall below the national average by $628. We've analyzed how auto insurance rates in Winston-salem compare to costs nationwide.
INSURANCE PREMIUMS: WINSTON-SALEM VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Winston-Salem Car Insurance by Credit Rating
There is a disparity of $522 per year between car insurance premiums for individuals with Very Poor credit (300-579) and Exceptional credit (800-850). Drivers can save an average of $367 per year when they boost their credit tier from Very Poor (300-579) to Fair (580-669).
WINSTON-SALEM AUTO INSURANCE RATES BY CREDIT LEVEL
|Credit Score||Average Rate|
Winston-Salem Auto Insurance by Violation or Accident History
Maintaining an unblemished driving record is critical to keep your insurance rates low. Drivers with a DUI in Winston-Salem have rates over 4x the average for the city ($846). Reckless driving will also push your premiums up, with typical rates of $1,551. That is 83% higher than the city average! When comparing rates for drivers with at-fault accidents in Winston-Salem, those with damages exceeding $2,000 pay $215 more than those with damages less than $1,000.
AVERAGE WINSTON-SALEM INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident/Violation||Average Annual Premium|
|At-fault Accident (damages less than $1,000)||$1,182|
|At-fault Accident (damages greater than $2,000)||$1,397|
|Speeding Ticket (16-20 mph over speed limit)||$1,276|
Winston-Salem Car Insurance by Gender and Marital Status
Car insurance premiums in Winston-Salem vary depending on your marital status as well as gender. Rates for those who are widowed or divorced are the same as rates for single individuals. In contrast, being married (as opposed to single) doesn't drastically affect your premiums, it does save you a small amount of money. Premiums are barely cheaper for men. Men generally pay $4 less than women every year for insurance.
WINSTON-SALEM CAR INSURANCE RATES BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
Winston-Salem Car Insurance Premiums by Age
Teenage drivers have the most expensive rates amongst all the age groups. They pay around $1,894 on car insurance premiums. Drivers in their 50s save money on premiums, as they have the lowest rates among all age groups, paying only $784 every year. However, those in their 60s ($794) and 40s ($823) have premiums that aren't much higher. The most significant fall in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Winston-Salem start paying $1,110 less in premiums. Premiums continue to trend downward up until drivers hit 60.
WINSTON-SALEM AUTO INSURANCE RATES BY DRIVER AGE
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
The average Winston-Salemite's annual cost of coverage
Our customer's average savings after comparing insurance
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