How Much Does Car Insurance Cost in Winston-Salem?
Winston-Salem premiums, which are 11% less than the state average, are known for being low-cost. Let's compare car insurance costs in Winston-salem versus premiums across the nation.
INSURANCE COSTS: WINSTON-SALEM VS. US/STATE AVERAGES
|City Average||State Average||National Average|
Winston-Salem Car Insurance Costs by Age
Drivers in their 50s save money on car insurance payments, as they have the lowest rates among all age groups, paying only $762 annually. However, people in their 40s ($767) and 30s ($774) aren’t paying significantly more. When drivers reach their 20s in Winston-Salem, therefore moving out of the teenage age bracket, they reduce their premiums by 54%, which is the most change you'll see between any age group. The first time drivers can anticipate their age to trigger a rise in premiums is when they turn 60. Teenage drivers have the biggest premiums of any age group, with car insurance payments of $1,722 on average.
WINSTON-SALEM CAR INSURANCE RATES BY DRIVER AGE
Winston-Salem Car Insurance by Gender and Marital Status
Marital status and gender can have an effect on your car insurance premiums in Winston-Salem. While being single (as opposed to married) doesn't drastically affect your premiums, it does save you a bit of money. On the other hand, widowed and divorced individuals pay the same as drivers who are single. Premiums are barely more expensive for women. Women typically pay $4 more than men each year for insurance.
WINSTON-SALEM CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Winston-Salem Auto Insurance by Credit Level
Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you $155 each year on car insurance. In terms of percent change, shifting from Good (670-739) to Very Good (740-799) has the biggest positive impact on premiums, as it saves drivers nearly 7% per year.
WINSTON-SALEM AUTO INSURANCE COSTS BY CREDIT TIER
|Credit Level||Average Car Insurance Rate|
Winston-Salem Car Insurance for Drivers With At-Fault Accidents or Violations
Do you have an accident or violation history? That may have an impact on your premiums. $713 is the additional cost per year for drivers with a DUI in Winston-Salem, compared to the city average of $774. Reckless driving will bump your rates up as well, with average rates of $3,231, which are 317% higher than the city average! Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you an additional 10% per year in premiums.
AVERAGE WINSTON-SALEM INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$1,056|
|At-fault Accident (damages greater than $2,000)||$1,166|
|Speeding Ticket (16-20 mph over speed limit)||$1,156|
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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Winston-Salem Car Insurance
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