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
See How Much You Can Save in Winston-Salem
Just enter your zip code to get started
Winston-Salem Car Insurance
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
Digital Insurance Cards: Which States Accept Them?
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Driverless Car Laws by State
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
4 Consequences of Driving without Insurance
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
The Rundown on “No Refusal” Weekends
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Driver’s License Points: Do They Matter?
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Which States Have the Cheapest Car Insurance?
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...