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Get Cheap Car Insurance in Winston-Salem, NC
We monitor insurance prices, helping the average driver in the Winston-Salem area save up to 33.1% on car insurance.
The Cheapest Minimum Coverage in Winston-Salem
The chart below shows the cheapest car insurance company in Winston-Salem for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Midvale Home & Auto, followed by Erie Insurance, Farm Bureau, and Progressive.
| Winston-Salem Insurer | Monthly Cost |
|---|---|
| Midvale Home & Auto | $47 |
| Erie Insurance | $48 |
| Farm Bureau | $50 |
| Progressive | $53 |
Savings for Every Kind of Winston-Salem Driver
Based on our extensive insurance data, we know the average Winston-Salem driver will save about 19% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $238 per year by choosing the right vehicle insurance company. Some Winston-Salem residents are paying out over $1,240 extra every year for auto insurance in Winston-Salem. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Winston-Salem, NC Savings / Yr. |
|---|---|
$238 |
|
$518 |
|
$377 |
|
$962 |
|
$714 |
|
$288 |
|
$432 |
Winston-Salem Car Insurance vs. North Carolina
People living in Winston-Salem pay an average of 0.78% less than the typical driver in the state. The average driver in Winston-Salem can expect to pay about $743 per year, or $1,240 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Winston-Salem for most people.
Car Insurance Prices by Winston-Salem Neighborhood
Insurance Prices
Where is insurance cheapest within Winston-Salem?
The map shows insurance prices in and around Winston-Salem, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $478 per year within the city boundaries, with insurance premiums ranging from a high of $1,609 to a low of $1,131. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the West parts of Winston-Salem.Pick the Best Car Insurance Company for You in Winston-Salem
The best car insurance provider for most drivers in Winston-Salem
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $238 over the average Winston-Salem car insurance company.
The best car insurance provider for Winston-Salem drivers with accidents on their records
In our analysis, Erie Insurance saved the average person who had been in an accident the most, with annual savings averaging $518 over the competition.
The best car insurance company for Winston-Salem drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $377 better than other car insurance companies.
The best auto insurance for Winston-Salem drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $962 less each year.
The least expensive car insurance company for new and young drivers in Winston-Salem
In Winston-Salem, State Farm costs young drivers $714 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Winston-Salem
Erie Insurance gave the largest car insurance discounts to married couples, averaging $288 saved each year compared to an average Winston-Salem couple's premiums.
The cheapest car insurance in Winston-Salem for drivers with bad credit
The best Winston-Salem car insurance company for customer service
Nationwide was the best company for customer service in Winston-Salem according to the NAIC.
Recent price drops
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The cheapest large national provider in Winston-Salem
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Winston-Salem driver can expect to pay about $87 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Winston-Salem, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Winston-Salem
What Influences the Cost of Car Insurance in Winston-Salem?
On average, car insurance in Winston-Salem is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in the Winston-Salem area is 29 minutes, which is a little less than average for a driver in the state.
- North Carolina state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in the Winston-Salem area are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- Winston-Salem is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Winston-Salem is $62 per month for minimum coverage and $103 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Bethania: Insurance costs 0.48% more
- Pfafftown: Insurance costs 2.34% less
- Clemmons: Insurance costs 3.71% less
- Walkertown: Insurance costs 1.61% less
- Lewisville: Insurance costs 4.84% less
- Midway: Insurance costs 3.63% less
- Wallburg: Insurance costs 4.60% less
- Kernersville: Insurance costs 2.34% less
- Bermuda Run: Insurance costs 4.84% less
- Enon: Insurance costs 2.58% less
Cities with Similar Populations
- St. Cloud: Insurance costs 111.85% more
- Steptoe: Insurance costs 66.77% more
- Spruce: Insurance costs 127.26% more
- Spruce: Insurance costs 42.42% more
- Stockton Springs: Insurance costs 22.74% less
- Springfield: Insurance costs 31.77% more
- Stephensport: Insurance costs 65.56% more
- Spring Hill: Insurance costs 114.19% more
- Stockholm: Insurance costs 40.48% more
- St. Cloud: Insurance costs 32.02% more