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 AverageState AverageNational Average
$774$865$1,427


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
AgeAverage Rate
Teenagers$1,722
20s$787
30s$774
40s$767
50s$762
60s$776
70s$810


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/GenderAverage Rate
Female$778
Male$774
Single$774
Married$781
Divorced$774
Widowed$774


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 LevelAverage Car Insurance Rate
Very Poor$908
Fair$888
Good$842
Very Good$781
Exceptional$753


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
Violation/IncidentMean Rate
DUI$1,487
Reckless Driving$3,231
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.

113

Rainy Days a Year

46"

Avg. Annual Rainfall

9"

Avg. Annual Snowfall

Be Prepared For

Driving in Winston–Salem

2
Major Highways
U.S. 52 U.S. 311 I-40
2
Public Transit
WSTA Bus

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. Winston-Salem, NC 27106

Not sure about Winston-Salem

Check out these other North Carolina cities...

Charlotte

Raleigh

Greensboro

Durham

2

$709

The average Winston-Salemite's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

_icon-city-donut

227

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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Winston-Salem Car Insurance

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