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 AverageState AverageNational Average
$846$941$1,569


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 ScoreAverage Rate
Very Poor$1,306
Fair$939
Good$846
Very Good$819
Exceptional$784


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/ViolationAverage Annual Premium
DUI$3,536
Reckless Driving$1,551
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/GenderAverage Rate
Female$849
Male$846
Single$846
Married$839
Divorced$846
Widowed$846


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
AgeAverage Rate
Teenagers$1,894
20s$927
30s$843
40s$823
50s$784
60s$794
70s$859


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

Mountcastle Insurance

130 Charlois Blvd Winston-Salem, NC 27103

F.P. Wilson Insurance Services

3288 Robinhood Rd. Winston-Salem, NC 27106

Alliance Insurance Services, LLC

348 Summit Square Blvd Winston-Salem, NC 27105

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

Revised

227

That's equal to 227 Krispy Kreme doughnuts or $284 in savings

See How Much You Can Save in Winston-Salem

Just enter your zip code to get started

or
Location pin icon
Your information is secure.

Recent Questions:

Winston-Salem Car Insurance

If I hit an object in the road, can I claim this under my comprehensive coverage?

Insurance companies consider hitting an object in the road to be an accident. Unfortunately, that means you will need to use your collision coverage, the incident will be considered your fault, and you'll likely see an increase in premium.