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Winston-Salem Car Insurance

How much does car insurance cost in Winston-Salem, NC? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Winston-salem?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in North Carolina has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Winston-Salem typically pay around $0.00 per month compared to the national average of $134.00 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.00
North Carolina $60.71
Winston-salem, North Carolina $0.00

Winston-salem, NC Best Car Insurance Companies

car insurance in Winston-Salem

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, generally has the most affordable car insurance in Winston-Salem coming in around per month. Other companies to consider if you live in Winston-Salem is with an average cost of per month and which typically runs around per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Winston-Salem.

RankCompanyAverage Monthly RateComparison State Average

How Much is Car Insurance in Winston-salem, NC?

how much is auto insurance in Winston-Salem

Rates can vary from city to city. The residents of Charlotte typically pay $74.92 per month while people who live in Durham will pay $59.73 per month on average. See what people pay for car insurance in other cities in North Carolina.

North Carolina CitiesMonthly Average Rate
Charlotte $74.92
Durham $59.73
Greensboro $60.00
Raleigh $65.07
Winston Salem$52.74

Cheap Car Insurance in Winston-salem by Zip Codes

find cheap auto insurance in Winston-Salem

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of North Carolina. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Winston-salem, NC ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Winston-salem

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around per month in Winston-Salem. Compare that to drivers in their 30’s who typically pay around per month drivers in their 40s at per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Winston-Salem

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Cheapest Insurance for 20 Year-olds in Winston-Salem

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Cheapest Insurance for 30 Year-olds in Winston-Salem

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Cheapest Insurance for 40 Year-olds in Winston-Salem

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Cheapest Insurance for 50 Year-olds in Winston-Salem

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Cheapest Insurance for 60 Year-olds in Winston-Salem

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Driver's Coverage Auto Insurance Rates in Winston-salem, NC

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Winston-Salem, the average monthly rate for a driver who is currently insured is while drivers who are not currently covered will pay around .

CoverageAverage Monthly Rate

Compare Recent Car Insurance Quotes in Winston-salem

auto insurance quotes in Winston-Salem city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Winston-Salem a driver of a can expect to pay around per month while someone that owns a may pay around per month. Check out the list of recent quotes in Winston-Salem below.

VehicleAverage Monthly Rate

FAQ's for Drivers in Winston-salem, NC

driver’s frequently asked question in Winston-Salem

What Is the Minimum Liability Coverage Requirement in Winston-Salem, NC?

Every state requires drivers to have a minimum amount of liability coverage. North Carolina drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $30,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $60,000; Bodily injury coverage per accident; Payment per person per accident for out of pocket costs due to injury
  • $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Before you begin requesting quotes from different carriers, it’s important to know the minimum insurance requirements for your state. North Carolina drivers are required to carry a minimum of $30,000 bodily injury for each person and $60,000 total bodily injury for all persons injured in a single accident. Motorists must also continuously maintain $25,000 in property damage liability coverage.

What Is the Blood Alcohol Concentration (BAC) limit in Winston-Salem, NC?

It’s illegal to drive in North Carolina with the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

.04%+ for prior DWI

Drivers under the age of 21 cannot drive with any amount of alcohol or illegally used drugs in their systems, no matter how small the amount. Any BAC level will result in 30-day pretrial license revocation, and just the smell of alcohol on the breath is enough for a conviction of driving under the influence.

What are the consequences of being convicted of a DUI?

Penalties for driving while impaired in North Carolina vary greatly. There are five levels of misdemeanor driving while intoxicated (DWI), with Level 1 being the most serious and Level 5 being the least serious. Level 1 and 2 drivers are repeat offenders, are transporting children, have had their license revoked, or have hurt someone in a crash. Punishments range from $200 fines and community service to $4,000 in fines and a maximum jail sentence of two years. Habitual DWI offenders can be charged with and convicted of a felony.

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Commute Time in Winston-salem, NC

20.6 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Winston-salem, NC

244

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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