Car Insurance in Winston-Salem

Winston-Salem is known for its inexpensive premiums, as its mean premium sits under North Carolina's average by $91. Let’s take a look at how to save on car insurance in Winston-Salem.

  • City Average: $774
  • State Average: $865
  • National Average: $1,427

Winston-Salem Car Insurance by Credit Rating

Improving your credit can save you a good sum of money. Those in the top credit tier (800-850) typically save $155 every year on car insurance compared to those in the bottom tier (300-579). Drivers can save around 7% per year when they upgrade their credit tier from Good (670-739) to Very Good (740-799).

  • Very Poor: $908
  • Fair: $888
  • Good: $842
  • Very Good: $781
  • Exceptional: $753

Winston-Salem Car Insurance by Accident or Violation History

Accidents and violations on your driving record can cost you in terms of car insurance premiums. Reckless driving will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Winston-Salem need to spend nearly double the average for the city to insure their vehicle. Reckless driving will also drive your rates up, with average rates of $3,231. That is 317% higher than the city average! Insurance rates are impacted by at-fault accident history, and more specifically, by the extent of the damage that resulted from the accidents. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you another $110 per year in premiums.

  • DUI: $1,487
  • Reckless Driving: $3,231
  • At-fault Accident (damages less than $1000): $1,056
  • At-fault Accident (damages greater than $2000): $1,166
  • Speeding Ticket (16-20 mph over speed limit): $1,156

Winston-Salem Car Insurance by Gender and Marital Status

In Winston-Salem, both gender and marital status can have an effect on your car insurance premiums. However, the amount by which men's and women's car insurance premiums differ is minimal. While being married (as opposed to single) doesn't significantly affect your premiums, it does cost you a bit more to insure your vehicle. On the other hand, widowed and divorced individuals pay the same as drivers who are single.

  • Female: $778
  • Male: $774
  • Single: $774
  • Married: $781
  • Divorced: $774
  • Widowed: $774

Winston-Salem Car Insurance by Age

When Winston-Salem drivers reach their 20s, therefore moving out of the teenage age range, they pay $936 less in premiums. You won't see a larger difference between any other age group. Premiums for drivers in Winston-Salem continue to shrink through their 50s, but they can anticipate to pay more when they hit 60. With typical car insurance payments of $1,722, teenage drivers have the most expensive rates of any age group. When looking across all age groups, drivers in their 50s tend to have the lowest insurance payments. Their rates normally average $762. However, people in their 40s ($767) and 30s ($774) aren’t paying much more.

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

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

Be Prepared For

Driving in Winston–Salem

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

Find Local Winston-Salem Agents

F.P. Wilson Insurance Services

3288 Robinhood Rd. Winston-Salem, NC 27106

Mountcastle Insurance

130 Charlois Blvd Winston-Salem, NC 27103

Alliance Insurance Services, LLC

348 Summit Square Blvd Winston-Salem, NC 27105

Not sure about Winston-Salem

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The average Winston-Salemite's annual cost of coverage


Our customer's average savings after comparing insurance


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

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Winston-Salem Car Insurance

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