Winston Salem, NC Car Insurance

Residents of Winston Salem pay around $48 monthly for their car insurance coverage. For more information refer to our guide below.
How do rates in Winston Salem measure up compared to neighboring areas, including North Carolina as a whole? What rates should residents of Winston Salem expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Winston Salem?

Area Average Monthly Car Insurance Premium
Winston Salem$48
NC$53
United States$81

Car insurance coverage in Winston Salem is about $5 cheaper than it is in the rest of North Carolina.

If you're thinking of moving to Winston Salem from out of state, you may still be in luck. Car insurance rates for the United States as a whole are, on average, $33 more expensive than the rates you'd pay in Winston Salem.

While these are the average car insurance rates for Winston Salem, keep in mind that you could end up paying a different amount. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

Don't sweat it however, we've broken down average rates for Winston Salem residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$60
25-34$44
35-44$44
45-54Not Enough Data
55-64$35
65+$31

Generally, the older you are, the more experienced you are on the roads, right? It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay $29 more than someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, you may see your rates rise again in Winston Salem.

Average Car Insurance Rates by Gender

Gender Average
Male$50
Female$44

In general, car insurance rates for women are usually cheaper than they are for men. This is true in Winston Salem, where women pay around $6 less per month. As illustrated in the table above, female drivers in the area pay about $44 on average, while male drivers pay around $50 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$49
Multiple Accidents$78
1 Ticket$48
Multiple Tickets$63

Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Winston Salem with a single accident on their record will usually see rates around $49 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $48.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$41
2-3 Years$40
4-5 Years$61
6-7 Years$43
8-10 Years$53
11-14 Years$51
15 Years or Older$46

In Winston Salem, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $42 per month to insure their vehicle.

Car owners, on the other hand, typically pay around $50 a month, while SUV drivers can expect to pay about $46 per month for auto insurance coverage.

The age of your vehicle has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Winston Salem, vehicles four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$50
Married$38
Divorced$43
Widowed$33

Generally, married policyholders will pay slightly less to insure their vehicle. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

The cost of auto insurance in Winston Salem reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $12 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$45
Rent$47
Live with parents$90

Your living accommodations is another component of how insurance companies calculate your monthly rate. Those who own their own home in Winston Salem can expect to pay around $2 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Winston Salem, NC

Recent trends in car insurance for Winston Salem drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.

The rates for car insurance in Winston Salem have been steadily decreasing, reaching a low of $35 in 2022.

How does Winston Salem compare to neighboring areas?

Why are car insurance rates in Winston Salem different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider numerous factors. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:

  • Total number of drivers in the region
  • Availability of off-street parking
  • Area regulations
  • Crime
  • Road safety

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Winston Salem?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Winston Salem.

Compare the cheapest quotes from dozens of insurance companies

Winston Salem Insurance FAQs

What factors affect car insurance quotes in Winston Salem?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, credit score, driving record, and marital status.

Why is the cost of car insurance in Winston Salem different from other neighboring cities?

Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Winston Salem?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Winston Salem?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Winston Salem or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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