Winston-Salem, NC Car Insurance [Rates + Comparison Guide 2022]

Winston-Salem, NC car insurance rates average $221.24 per month. North Carolina requires that you keep at least the minimum 30/60/25 liability auto insurance coverage. The cheapest car insurance companies in Winston-Salem, NC are Liberty Mutual and Progressive. The best way to save on your car insurance rates is to shop around.

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UPDATED: Jun 22, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 22, 2022Fact Checked

Winston-Salem, NC Summary
Winston-Salem, NC StatisticsDetails
City Population244,605
City Density2,247 people per square mile
Average Cost of Car Insurance$2,654.84
Cheapest Car Insurance ProviderLiberty Mutual
Road ConditionsPoor Share: 12%
Mediocre Share: 25%
Fair Share: 25%
Good Share: 38%
VOC: $435
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Are you looking for affordable Winston-Salem, NC car insurance rates?

You can get cheap auto insurance in Winston Salem, NC. Winston-Salem stands out as being in one of the first states where liability coverage was mandatory

Consumers should select a Winston-Salem insurance agent who will give you the best quote for your money, not based on the commission they hope to earn

Winston-Salem car insurance rates are based on a number of risk factors which includes age, residential location, occupation, driving record and policy limits.

Whether you are looking for insurance in Winston-Salem, car insurance in Greensboro, NC,  or some other city, you have to meet certain standards.

When you get North Carolina car insurance, you have to make sure you keep at least the state’s minimum requirements.

Compare Winston-Salem, NC car insurance quotes online by entering your zip code above and allowing us to find the best car insurance for you!

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The Cost of Car Insurance in Winston-Salem, NC

The average cost of car insurance in Winston-Salem is over $2,654 per year. Car insurance rates are based on many factors, including your age, marital status, and whether you live in Ardmore or closer to Waughtown.

You might find yourself asking how does my Winston-Salem, NC stack up against other top metro auto insurance rates? We’ve got your answer below.

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We know there are ways to save money on your Winston-Salem car insurance.

In this section, we’re going to show you specific rates on what folks pay for their car insurance in Winston-Salem based on some of these factors. Of course, these rates are average, and your rates can be higher or lower, depending upon your circumstances.

Whether you’ve come to this great city to be close to the mountains, the Atlantic coast, cheer on your favorite North Carolina sports team, or to spend your retirement, one thing is for certain: you should make the best of it.

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Average Winston-Salem, NC Car Insurance Rates

The average car insurance cost in NC for Winston-Salem residents is about $1,267 annually. This is below the mean rate in the county, but higher than the average state rate.

Car insurance rates are based on a number of risk factors. Some of these include age, residential location, occupation, driving record and policy limits.

Additionally, rates may also differ among insurance carriers. Therefore, drivers should explore a variety of rates by comparison shopping online.

Crime is another factor that can affect car insurance rates. In Winston-Salem, 1,034 cars were stolen in 2010.

Compared to most cities, Winston Salem is a relatively safe area, but drivers are cautioned to secure their cars.

This can help avoid a rate increase if the car is broken into or stolen.

Compare Quotes for Car Insurance in Winston-Salem, NC

It is easy to contact one insurance company and sign a policy. However, by comparing insurance policies, drivers will determine whether the policy is beneficial for various situations.

The best way to compare car insurance quotes in NC is to use our zip code search. Residents should consider the types of coverage and what is the best and most affordable insurance in Winston-Salem, North Carolina.

Some policies offer liability and comprehensive coverage; others may include roadside assistance and rental coverage to temporarily replace transportation after an accident.

By comparing prices and policy features, residents can save hundreds of dollars each year. So don’t wait any longer! Find cheap car insurance and begin saving today!

Male vs. Female vs. Age in Winston-Salem, NC

Age plays a significant role when it comes to the cost of Winston-Salem car insurance. Not only do people 55+ get discounts on everything from food to hotels, but they also pay less for car insurance.

These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. North Carolina does not use gender, so check out the average monthly auto insurance rates by age in Winston-Salem, NC.

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Not so for young drivers, especially male teen drivers, who pay more for their car insurance than any other demographic. The good news is that Winston-Salem does not allow insurers to consider gender when calculating rates. Excluding seven states (CA, HI, MA, MT, PA, NC, and parts of MI), insurance rates differ by gender across the country.

According to Data USA, the mean age in Winston-Salem is 35.3 years.

Let’s go over the average rates charged by insurance companies in Winston-Salem for different age groups.

Winston-Salem, NC Average Annual Car Insurance Rates by Age, Gender, & Marital Status
Driver DemographicsAverage Annual Car Insurance Rates
Married 60-year-old male$2,231.55
Married 60-year-old female$2,237.70
Married 35-year-old male$2,414.09
Married 35-year-old female$2,420.49
Single 25-year-old male$2,501.35
Single 25-year-old female$2,503.10
Single 17-year-old male$4,751.23
Single 17-year-old female$4,756.83
Overall Average$2,977.04
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As the data reflects, the more drivers mature, the lower their car insurance rates become. Surprisingly, rates for male and female drivers are nearly equal, unlike other states, where rates are thousands higher for male teen drivers.

Winston-Salem, NC auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Cheapest Zip Codes in Winston-Salem, NC

Where you live in Winston-Salem can also impact how much you pay for car insurance. Check out the table below to see how much you pay for car insurance based on where you reside.

Winston-Salem, NC Average Annual Car Insurance Rates by ZIP Code
ZIP CodesAverage Annual Car Insurance Rates
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Check out the monthly Winston-Salem, NC auto insurance rates by ZIP Code below:

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Only $200 separates the cheapest zip code (27105) from the most expensive zip code (27157), so wherever you want to reside in the city, your car insurance cost shouldn’t be a factor.

What’s the best car insurance company in Winston-Salem, NC?

Who is the best car insurance company in Winston-Salem? The word best can mean different things to different people.
Which Winston-Salem, NC auto insurance company has the cheapest rates? And how do those rates compare against the average North Carolina auto insurance company rates? We’ve got the answers below.

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In the sections below, we’ll explain what’s considered best, in various categories, to see if it can help you save on your car insurance.

Cheapest Car Insurance, NC Rates by Company in Winston-Salem

We’re all looking for cheap car insurance, but we’re also looking for the best cheap car insurance. Most of the top providers are licensed in Winston-Salem. For your convenience, we listed those companies, and the average annual cost, in the table below.

Winston-Salem, NC Average Annual Car Insurance Rates by Company
CompaniesAverage Annual Car Insurance Rates
Liberty Mutual$1,937.65
State Farm$2,582.25
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Of the top providers, Liberty Mutual has the cheapest car insurance rates. So if “best” means cheap rates, they are the company for you.

Best Car Insurance for Commute Rates in Winston-Salem, NC

In North Carolina, according to the Federal Highway Administration, drivers average more than 15,375 miles driven each year. How far do you commute? Did you know your daily commute has an impact on your car insurance rate?

We partnered with Quadrant Data Solutions to understand the impact of an above-average commute on your insurance. Check out the chart below to see how your commute stacks up against what others pay.

Winston-Salem, NC Average Annual Car Insurance Rates by Commute
CompaniesAverage Annual Rates for
10 Miles Commute
6,000 Annual Mileage
Average Annual Rates for
25 Miles Commute
12,000 Annual Mileage
Average Annual Car Insurance Rates
Liberty Mutual$1,937.65$1,937.65$1,937.65
State Farm$2,574.56$2,589.95$2,582.26
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State Farm is the only company among the top providers to offer a discount based on commute. And it’s only $15, so be sure and ask your provider if there are other ways to help you save on your car insurance.

Best Car Insurance for Coverage Level Rates in Winston-Salem, NC

Have you thought that having the lowest minimum coverage in Winston-Salem is the best way to ensure you and your family are protected? Sometimes, that’s not necessarily the case, because the difference in low to high coverage is less than you think.

Your coverage level will play a major role in your Winston-Salem auto insurance rates. Find the cheapest Winston-Salem, NC auto insurance rates by coverage level below:

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Check out the table below to see the differences in coverage.

Winston-Salem, NC Average Annual Car Insurance Rates by Coverage Level
CompaniesAverage Annual Rates with Low CoverageAverage Annual Rates with Medium CoverageAverage Annual Rates with High CoverageAverage Annual Car Insurance Rates
Liberty Mutual$1,841.97$1,924.80$2,046.19$1,937.65
State Farm$2,472.49$2,568.07$2,706.20$2,582.25
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If you’re a customer with Liberty Mutual, there’s only a $200 difference between low and high coverage. However, the news isn’t so good if you’re an Allstate customer, because their rates are more than $500 higher between low to high coverage.

You might ask, what is high or low coverage? Low coverage is the state-mandated minimum coverage required to drive legally in North Carolina.

The minimum car insurance coverage needed in North Carolina is:

  • Bodily Injury Liability – $30,000 per person
  • Total Bodily Injury Liability – $60,000 per accident
  • Property Damage Liability – $25,000 per accident

However, you should consider adding important coverages for increased protection.

If you want to have the most protective car insurance, you may need to pay a little more.

For high coverage, you can consider increasing your liability limits and opting for the following relevant coverages:

  • Collision
  • Comprehensive
  • MedPay
  • Uninsured/Underinsured Motorist
  • Personal Injury Protection (PIP)

Best Car Insurance for Credit History Rates in Winston-Salem, NC

Having good credit is essential if you don’t want to pay higher rates from car loans to mortgages. But did you know poor credit can also affect how much you pay for car insurance?

Your credit score will play a major role in your Winston-Salem auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Winston-Salem, NC auto insurance rates by credit score below.

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The following table shows how much rates can vary by credit score among the top providers.

Winston-Salem, NC Average Annual Car Insurance Rates by Credit History
CompaniesAverage Annual Rates with Good CreditAverage Annual Rates with Fair CreditAverage Annual Rates with Poor CreditAverage Annual Car Insurance Rates
State Farm$1,802.42$2,319.02$3,625.33$2,582.26
Liberty Mutual$1,937.65$1,937.65$1,937.65$1,937.65
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The average credit score in the U.S. is 675. If your credit score is lower than this figure, you may face increased rates on car insurance. In some states, poor credit can raise your rates by thousands of dollars. If your insurance provider is Allstate and you have poor credit, your rates can be $3,500 more than someone with good credit.

Best Car Insurance for Driving Record Rates in Winston-Salem, NC

If you get a speeding ticket, have an accident, or get a DUI, your rates will probably increase in most situations.

Your driving record will play a major role in your Winston-Salem auto insurance rates. For example, other factors aside, a Winston-Salem, NC DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Winston-Salem, NC auto insurance rates by driving record.

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The table below shows rates with these three violations compared to the rate for a clean record.

CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One Speeding ViolationAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage Annual Car Insurance Rates
Liberty Mutual$1,158.17$1,483.92$1,483.92$3,624.58$2,088.89
State Farm$1,374.01$1,990.38$1,990.38$4,974.24$2,779.54
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Having one too many can not only land you in jail, but it can cost you thousands on your car insurance. For example, a DUI will increase your rates by $8,000  if you have car insurance through Allstate. Your rates will vary, and we encourage you never to drink and drive.

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Winston-Salem, NC Car Insurance Coverage Online

Winston-Salem stands out as being in one of the first states where liability coverage was mandatory. Residents must have enough liability car insurance to pay for any bodily and property damage caused by traffic accidents.

Since liability car insurance is required for all household budgets, residents of Winston-Salem should comparison shop for the best rates and coverage. This can help to prevent paying more than is necessary while meeting state car insurance requirements.

With a population of approximately 229,828, Winston-Salem is considered one of the most affluent communities in North Carolina. The city also has a vibrant music scene and museums that chronicle North Carolina’s history back to the 18th century.

Winston-Salem is home to several colleges, including Winston-Salem State University and Wake Forest, which have good basketball teams. Visitors and residents can also enjoy athletic games of college soccer, football and hockey.

Winston-Salem, NC Car Insurance Requirements

Mandatory car insurance requirements in Winston-Salem are based on the minimum coverage limits in North Carolina. Generally, residents need to have three basic coverage amounts to be in compliance with state law.

These include:

  • $30,000 to cover bodily injury or death in a single accident with one person
  • $60,000 to cover bodily injury or death in a single accident with two or more persons
  • $25,000 to cover property damage

While these are the minimum liability coverage amounts, some drivers decide to carry more for added protection.

For example, if medical expenses exceed $30,000 for one person, the driver at fault is responsible for paying the additional costs out of pocket.

Monthly premiums are an important factor when selecting the amount of liability car insurance. Often, it is a matter of what one can currently afford. For some people, the premiums for the minimum coverage limits are most affordable.

However, smart consumers understand the value of comparison shopping for the best car insurance rates. Our comparison tool allows you to compare Winston-Salem insurance companies and find the best rate for your exact needs!

Residents in Winston Salem must carry car liability insurance while driving on the roads. If coverage is canceled, the insurance company must notify the North Carolina Division of Motor Vehicles (DMV) immediately.

Failing to have adequate car insurance coverage could result in a suspension of driver’s license and fines.

Car insurance that is canceled requires notification from the insurance company to the DMV. The state sends the driver Form FS 5-7, which requires a response within 10 days.

In some cases, a gap in coverage occurred when the driver switched insurance carriers. The driver must complete the form by including current insurance information and pay the fee typically listed on the form.

Buying car insurance that does not provide proper coverage or failing to respond to Form FS 5-7 has negative consequences. Residents could receive a 30-day driver’s license suspension and fines over $200.

Further, drivers will have to complete and submit Form FS-1 to DMV before their license is reinstated.

Winston-Salem, NC Car Insurance Laws

Car insurance laws for Winston-Salem follow the laws of the state. In North Carolina, drivers must have car insurance before registering a vehicle.

The minimum is proof of liability insurance. The Vehicle Financial Responsibility Act of 1957 was passed as a result of the increasing number of uninsured motorists.

North Carolina law requires residents to maintain car insurance coverage while it is registered in the state. This also applies to possessing a state issued license plate.

Residents must surrender the license plate if the car is in storage or there are no plans to drive the vehicle for an extended period.

Additionally, residents must keep their liability car insurance active until the plate is surrendered. Failing to do so could result in up to $150 in civil penalties.

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Companies Providing Car Insurance in Winston-Salem, NC

Residents must have adequate car insurance coverage from a company licensed to sell insurance in the state of North Carolina.

There are a number of national insurance companies for residents to purchase liability insurance. Some of these automobile insurance companies in Winston-Salem are:

  • Geico Car Insurance
  • Progressive Car Insurance
  • Liberty Mutual Car Insurance
  • Travelers Car Insurance
  • State Farm Car Insurance

Residents have the option of contacting any of these companies directly or price shopping through an online service.

Most companies make it easy to pay your premium for auto insurance. Pay by check, online, or automatic withdraw.

Winston-Salem, NC Car Insurance Agencies

Some car insurance agencies represent one insurance company. These agencies sell cars and other insurance products offered by one company.

They may also offer individualized service when filing a claim or making policy changes.

Others companies may operate as independent agents and have access to multiple insurance companies. Independent agents typically have more options for consumers who are looking for the best insurance rates.

Consumers should select an insurance agent who will give you the best quote for your money, not based on the commission they hope to earn.

Below is the contact information for five Winston-Salem car insurance companies. This is not an exhaustive list, but rather a representation of the many agencies in the city.

Consumers can compare what each has to offer in terms of coverage and other services:

  • Alliance Insurance Services, LLC
    348 Summit Square Blvd
    Winston Salem, NC 27105
    (336) 377-9003
  • Breeden Insurance Services, Inc./ Epicurean Ins.
    12200 N NC Hwy 150 Ste 5
    Winston Salem, NC 27127
    (336) 764-8892
  • Davis Insurance Service, Inc.
    130 Charlois Blvd
    Winston Salem, NC 27102
    (336) 777-8500
  • Piedmont Insurance Agency of Winston Salem, Inc.
    12125 North NC Hwy 150
    Winston Salem, NC 27127
    (336) 764-2907
  • John Dillon Insurance Agency
    1016 Brookstown Ave, Winston Salem, NC 27101
    (336) 725-3541

Before you buy Winston-Salem, NC car insurance, keep shopping around.

Winston-Salem, NC Driving and Car Insurance Statistics

According to the North Carolina Department of Transportation (NCDOT), the average commute time to work for residents in Winston-Salem is approximately 20 minutes.

This results in over 4 million minutes of daily driving based on the population. With over 132.4 square miles and a population density of 1,400 people, this leaves a lot of room for 200,000 people to drive.

Still, there were 6,020 reported car accidents in 2010. While this is lower than most U.S. cities, this emphasizes the importance of carrying liability car insurance. Of the 6,020 car accidents, there were:

  • 21 fatalities
  • 1,915 physical injuries
  • 4,084 property damage

The number of fatalities is slightly less than the 38 that occurred in 2008. On average, men were more likely to cause an accident as women. In 2008, 83 percent of the accidents were caused by men; women caused nearly 17 percent of the accidents.

Car Insurance Factors in Winston-Salem, NC

Winston-Salem, North Carolina Car insurance rates are not based solely on the driver-specific factors which we’ve mentioned above. Rates are also calculated on city-specific factors such as your Zip code, economic prosperity in your city, and average income in Winston-Salem, NC levels.

Factors affecting auto insurance rates in Winston-Salem, NC may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Winston-Salem, North Carolina auto insurance.

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In this section, we’ll discuss how these external factors influence your car insurance rates in Winston-Salem.

Growth & Prosperity in Winston-Salem, NC

According to the Brookings Institute, Winston-Salem ranks 74th in growth and third in prosperity nationally. This means the economy in the area is healthy and thriving, and healthy economies encourage more business and bring in higher-paying jobs.


  • Jobs: +0.8 percent (74th of 100)
  • Gross metropolitan product (GMP): +4.8 percent (ninth of 100)
  • Jobs at young firms: +3.1 percent (53rd of 100)


  • Productivity: +4.0 percent (third of 100)
  • Standard of living: +3.9 percent (fourth of 100)
  • Average annual wage: +4.3 percent (second of 100)

What does a healthy economy mean to you as a car insurance consumer? It means that competition for your business is fierce among car insurance companies, which translates to better rates for you when you set out to purchase your policy.

Winston-Salem is home to 245,000 people and is our nation’s eighty-ninth-most populous city. It is well known for its vibrant downtown, and in 2017, the New York Times ranked its downtown as the second-most livable in the country.

With so many sites and things to do, we know the streets are filled with taxis, pedestrians, and all makes and models of vehicles, which, in turn, can make driving hazardous. Accidents can happen, and that can make your car insurance go up.

In this comprehensive guide, we’re going to show you rates, company comparisons, and other specific factors that make Winston-Salem such a great place to live.

Need car insurance? Enter your ZIP code into our FREE tool above to compare rates easily.

Median Household Income in Winston-Salem, NC

According to Data USA, the median household income in Winston-Salem is $42,219, whereas the national median household income is $60,336. However, in 2016, the average median income in Winston-Salem was $40,898. This means income for city residents has increased by 3.23 percent.

With an average annual car insurance premium of  $2,654, folks in Winston-Salem spend approximately 6.28 percent of their income on car insurance.

If you want to compare your insurance as a percentage of your income, use the calculator below to get started.

Homeownership in Winston-Salem, NC

Owning your own home is a dream many of us have and may impact what rates you pay for insurance. Homeownership indicates the general health of the local economies, and insurers usually consider it to be a good indicator of your financial stability.

Being a homeowner won’t directly impact your car insurance rates or your ability to qualify for a plan. But there may be additional discounts you are eligible for, so be sure and check with your provider.

In 2017, 54.5 percent of homes in the Winston-Salem area was occupied by the people who own them. This number was up from 54.1 percent from the previous year. However, this figure is well below the national average of 63.9 percent, meaning more folks are renting a residence rather than purchasing a home.

If you are thinking of buying a home in Winston-Salem, it is good to know that the median property value is around $142,200.

Education in Winston-Salem, NC

Not only is Winston-Salem a great city to retire too, but it’s also a great city to get an education.

Check out this video from Wake Forest:

There are many colleges and universities around the Winston-Salem area that offer a varied assortment of programs and degrees.

The largest number of these by degrees awarded are from Wake Forest University and Winston-Salem State University. Winston-Salem State University is an HBCU, which is a historically black college and university and one of the most prestigious in the country. WSSU was founded in 1892 by Dr. Simon Green Atkins, the oldest child of former slaves Allen and Eliza Atkins.

Other large schools in the area are the University of North Carolina School of the Arts, Salem College, and Piedmont International University.

If a four-year degree isn’t something you’re searching for, then community colleges, which offer two-year degrees as well as technical certificates and diplomas, might be a better option.

Forsyth Technical Community College is a technical school in Winston-Salem, quickly growing to meet the industrial needs of the growing Piedmont region. In 2016, Forsyth Tech awarded 1,691 degrees in programs like Business, Engineering, and Health-related technologies.

Poverty by Age & Gender in Winston-Salem, NC

In Winston-Salem, 23.3 percent of the city’s population lives below the poverty line, whereas the national average is 13.4 percent.

Females aged 25 – 34 are the largest demographic living below the poverty line, while males in the same age group face similar challenges.

Poverty by Race & Ethnicity in Winston-Salem, NC

Take a look at the following table to understand how poverty is affecting people across age groups, ethnicity, and gender:

Winston-Salem, NC Poverty Level by Race & Ethnicity
Ethnic GroupPercentage
Black34.5 percent
White33.8 percent
Hispanic22.6 percent
Other6.03 percent
Two or More1.74 percent
Asian0.837 percent
Native0.291 percent
Pacific Islander0.18 percent
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The most common racial/ethnic group to be in poverty in Winston-Salem is black (34.5 percent), followed by white at 33.8 percent.

Employment by Occupations in Winston-Salem, NC

According to website Data USA, “the most common job groups, by the number of people living in Winston-Salem, NC, are Office & Administrative Support Occupations (13,067 people), Sales & Related Occupations (10,713 people), and Management Occupations (10,360 people).”

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Driving in Winston-Salem, NC

We’ve mentioned that your credit score, driving record, education level, and other factors contribute to the cost of car insurance. But insurance companies also base rates on the car you drive, road conditions, traffic congestion in your area, crime reports, and so much more.

Roads in Winston-Salem, NC

If you have just moved or are just visiting, there are bound to be certain roads that are confusing and disorienting in Winston-Salem. Your GPS wants you to turn left. Still, somehow, you’ve managed to turn into a dead-end street, and your device goes into “recalculating mode.”

In this section, we’ll cover the highways and interstates and help you calculate which way you need to go so you’ll never make another wrong turn.

Major Highways in Winston-Salem, NC

Winston-Salem isn’t the largest city in North Carolina, but it does have several major highways that connect it to many parts of the mid-Atlantic region.

Interstates I 40 and I 74 both bisect the city and are major thoroughfares through the state.

One plus side about the city of Winston-Salem is the fact that there are no toll roads in the city.

Popular Road Trip Sites in Winston-Salem, NC

Winston-Salem is well-known for its history as the birthplace of the RJ Reynolds Company, but what other attractions and sites are available for tourists to discover and enjoy?

This video tells us more:

Thrillist offers a great list of Winston-Salem’s best restaurants to keep you well-fed. It also lists bars and taverns to check out when you hit the downtown scene. Also, the annual North Carolina Wine Festival takes place just outside Winston-Salem every May.

Road Conditions in Winston-Salem, NC

According to TRIP, a national transportation research group, here are the road conditions in Winston-Salem:

  • Poor Condition:  29 percent
  • Mediocre Condition:  31 percent
  • Fair Condition:  11 percent
  • Good Condition:  29 percent

The average vehicle operating costs for Winston-Salem residents, according to TRIP, is about $435 a year.

Does Winston-Salem use speeding or red-light cameras?

There are no speeding or red-light cameras in the city.  See the video below.

Fortunately for residents, the city has recently installed wireless traffic signals, so drivers won’t waste time sitting at lights when no oncoming traffic is detected.

Vehicles in Winston-Salem, NC

Your insurance rate is also dependent on various factors, such as what car you drive and if it’s on the theft list. In this section, we’ll cover these topics and more.

Most Popular Vehicles Owned in Winston-Salem, NC

Although Winston-Salem didn’t make the list for most popular vehicle owned, neighboring cities Charlotte and Durham-Chapel Hill did, with Cadillac DeVille and Honda Odyssey listed, respectively.

How Many Cars Per Household in Winston-Salem, NC

In Winston-Salem, the average household has two cars.

Winston-Salem doesn’t have an extensive mass transit system, so most residents of the city have a car. Furthermore, in 2017, less than 5 percent of households in the city didn’t have a personal vehicle.

Not owning a car doesn’t mean you shouldn’t buy a car insurance policy. Many car insurance companies offer non-owner car insurance for people who drive on occasions, even if they don’t personally own a vehicle.

Speed traps in Winston-Salem, NC

According to the website, residents report that Winston-Salem has numerous speed traps throughout the city.

The following video explains more:

Hopefully, getting caught in a speed trap isn’t something you have to worry about, because you always obey posted speed limit signs when driving. One of the ways to keep your car insurance premiums low is not to get a speeding ticket.

Vehicle Theft in Winston-Salem, NC

According to the FBI,  15 vehicle thefts occurred in Winston-Salem in 2017. When considering your next car purchase, one thing to consider is that certain vehicles are stolen more frequently and may have higher insurance rates.

Winston-Salem has one of the lowest crime rates in the country. The crime index is seven out of 100, which means that only 7 percent of other cities in the nation are safer than Winston-Salem.

According to Neighborhood Scout, here are the safest neighborhoods:

The chart below tells more about specific crimes in the city:

Winston-Salem, NC Crime Statistics
Crime StatisticsNumber of Violent Crimes Number of Property CrimesTotal Number of Crimes
Number of Crimes1,4929,310

Crime Rate (per 1,000 Residents)6.10


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Whether you live in a neighborhood that isn’t safe or in one where there are no issues, it’s always a good idea to have extra coverage on your vehicles to protect your investment.

Traffic in Winston-Salem, NC

Waiting. Stressing. Aggravation. We’ve all been there.

Traffic. It’s the worst.

Traffic Congestion in Winston-Salem, NC

Fortunately for drivers in Winston-Salem, there isn’t much of a traffic issue. According to TomTom, Winston-Salem had an overall congestion level of 10 percent in 2018. The city’s highways were less congested, at only 4 percent, and its non-highways were 16 percent on average.

They also report that folks in Winston-Salem spent an extra four minutes for their morning commute and eight additional minutes for their evening commute because of traffic congestion during peak driving hours.

Transportation in Winston-Salem, NC

According to Data USA, residents of Winston-Salem also enjoy a significantly lower commute time at 19.6 minutes each way. The national average is 25.1 minutes. Additionally, 1.85 percent of the workforce in Winston-Salem has “super commutes” of over 90 minutes.

Data USA  also reports that:

In 2017, the most common method of travel for workers in Winston-Salem was Drove Alone (82.9 percent), followed by those who Carpooled (7.48 percent) and those who Worked At Home (4.61 percent).

Busiest Highways in Winston-Salem, NC

According to, the busiest roadway in Winston-Salem is University Parkway and North Point Boulevard, which sees a total of 70,000 cars per day.

How safe are Winston-Salem, NC streets & roads?

Though the National Highway Traffic Safety Administration doesn’t track city-specific roadway safety statistics, they do provide countywide statistics for Forsyth County, of which Winston-Salem is the largest city and the county seat.

In 2017, 42 fatalities were recorded on the county’s streets. The table below provides the number of fatalities in Forsyth County by crash type from 2013 – 2017.

Forsyth County, NC Vehicle Fatalities by Crash Type
Crash Type20132014201520162017
All Crashes2734404242
Involving an Alcohol-Impaired Driver (BAC = .08+)812101812
Involving a Single Vehicle2120171723
Involving a Large Truck14663
Involving Speeding1112101411
Involving a Roadway Departure1522202521
Involving an Intersection241096
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The majority of fatalities in Winston-Salem are car passengers, although pedestrians and cyclists are also at risk, especially in a college town. The table below provides the number of fatalities in Forsyth County for car passengers, pedestrians, and cyclists from 2013 – 2017.

Forsyth County, NC Vehicle Fatalities by Person Type
Person Type20132014201520162017
Car Passenger817131817
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Allstate America’s Best Drivers Report in Winston-Salem, NC

In 2019, Allstate created a list of the top cities where drivers are least likely to get into a car accident. Winston-Salem drivers are doing great, ranking 28th out of 200 cities.

Needless to say, more accidents equals more insurance claims, driving up premiums.

An average driver in Winston-Salem spends 11.1 years between claims, whereas the national average is 10.6 years.

Ridesharing in Winston-Salem, NC

According to RideGuru, the following rideshare services are available in Winston-Salem:

  • Blacklane
  • Lyft
  • Traditional taxis
  • Uber

Lyft, Uber, and traditional taxis are available to pick you up from or take you to both Piedmont Triad International Airport (GSO) and Smith Reynolds Airport (INT).

E-star Repair Shops in Winston-Salem, NC

Has your car broken down, and you’re not sure where to take it? Esurance created an E-star repair shop network that provides a list of reputable and top-quality repair shops near your location.

Winston-Salem has one E-star Repair Shop: Carolinas Collision Center at North Point. You can call them at (336) 759-2993 and find them at 7600 Phoenix Drive, Winston-Salem, NC 27106.

Weather in Winston-Salem, NC

The weather. Everyone’s favorite topic. What’s the weather like in Winston-Salem, you may be wondering?

  • Annual high temperature:  69.7 F
  • Annual low temperature:  49.4 F
  • Average temperature:  59.55 F
  • Average annual precipitation: 46.93 inches

Winston-Salem is unique in the fact that it can be involved in multiple types of natural disasters. The city is equal to the national average of 13 natural disasters, which included hurricanes, snow, ice, and tornadoes.

Public Transit in Winston-Salem, NC

While most people choose to drive personal vehicles in the Winston-Salem area, there are other options besides ridesharing, such as the Winston-Salem Transit Authority. The transit system offers comprehensive bus routes for the city’s residents, especially to and from the city’s several institutions of higher education.

WSTA Fares are affordable, too. Adults pay $1.00 per bus trip (transfers are free) and can buy a 30-day pass for $30. They also offer services for the elderly and disabled.

Cost of Alternate Transportation in Winston-Salem, NC

Electric scooters and bicycles were outlawed in the city because companies didn’t procure proper operating procedures from the city. However, after further study about micromobility devices, the Winston-Salem Journal reports the city has recently given operating licenses to two electric scooter companies, Zagster and VeoRide.

Additionally, a company called Slidr will be putting out 200 dockless bicycles for residents to utilize in the near future.

Parking in Winston-Salem, NC

Winston-Salem provides and maintains all city-owned parking facilities in downtown Winston-Salem. Options include park and shuttle, hourly, and monthly options.

The city also operates 800 metered parking spots. Single-space meters only take quarters, but Winston-Salem has been installing more parking stations that accept both cash and credit cards.

This video explains how it works:

You want to make sure you are in a designated space and have paid the required fee because parking tickets start at $15 and go up depending on the infraction.

Air Quality in Winston-Salem, NC

The more cars on the road, the higher the chances of pollution being in the area, which leads to poor air quality. According to the Environmental Protection Agency, the Winston-Salem area enjoyed consistently good weather between 2016 – 2018.

The table below shows the number of days in Winston-Salem with each EPA designation for the years 2016 – 2018.

Winston-Salem, NC Air Quality Index
YearsGood Air QualityModerateUnhealthy Air Quality for Sensitive GroupsUnhealthy Air QualityVery Unhealthy Air Quality
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If you’re looking for a city with fresh air and less smog, Winston-Salem is a good choice.

Military/Veterans in Winston-Salem, NC

Many insurance companies offer additional discounts to active duty military personnel, their extended families, and veterans. In this section, we will discuss the rates and discounts that the men and women in uniform can expect from insurance companies operating in Winston-Salem.

In Winston-Salem, the majority of military personnel and veterans have served in Vietnam and the Second Gulf War.

If you are a veteran or in the military, the following providers offer military discounts:

  • Allstate
  • Esurance
  • Farmers
  • Geico
  • Liberty Mutual
  • MetLife
  • SafeAuto
  • State Farm
  • The General
  • USAA

USAA consistently ranks as one of the best car insurance companies, and they insure only military personnel, active or retired, and their immediate family members.

To all who have served, we thank you for your service.

Unique Winston-Salem Laws, NC

If you’re new to Winston-Salem, there may be some laws you are unfamiliar with, including this unique Winston-Salem law: It’s illegal for children under age seven to go to college.

Here are some other laws that may help you navigate around the city:

Hands-Free Laws in Winston-Salem, NC

Residents of North Carolina are still allowed to use handheld devices while driving, as a bill on the subject has been held up in the state legislature. The Winston-Salem Journal reports House Bill 144 passed the state House and was sent to the Senate for further consideration. As of November 2019, Hands Free NC, as its known, is still under consideration.

Food Trucks in Winston-Salem, NC

The video below shows how the city is embracing the food truck scene:

Food trucks are popular in Winston-Salem.

Tiny Homes in Winston-Salem, NC

Tiny homes are gaining popularity across the country, and cities like Winston-Salem have had to address the topic so constraints could be put into place. The most significant question officials are addressing is whether a tiny home is the same as a recreational vehicle. Presently, living full-time in an RV isn’t allowed.

Parking Restrictions & Laws in Winston-Salem, NC

Most of us know when we need a place to park our car, we look for a clearly marked area to do so. Sometimes, if we’re in a hurry or dark outside, we may miss a “no parking” sign. Here is everything you need to know about parking in Winston-Salem.

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Frequently Asked Questions: Winston-Salem, NC Car Insurance

We’ve covered a lot of ground in this comprehensive guide to car insurance in Winston-Salem, but you may still have some questions. Read on to learn more about North Carolina Car Insurance. Our last section looks at some commonly asked questions about the great city of Winston-Salem.

#1. Who handles the utilities in Winston-Salem, NC?

Winston-Salem/Forsyth County provides water, waste, and recycling services to residents through their public utility co-op. Duke Energy provides the area with gas and electric services.

#2. What are the state minimums for car insurance in North Carolina?

According to the North Carolina Department of Transportation, the minimum car insurance coverage that you must carry to comply with state laws is:

  • Bodily injury per person: $30,000
  • Total bodily injury per accident: $60,000
  • Property damage: $25,000

#3. What time is it in Winston-Salem, NC?

Winston-Salem is in the Eastern Standard Time zone. This means that if you are not in the same time zone, you will need to add or subtract hours from your day to determine what time it is in the city, or you can use‘s convenient tool. Enter a city or time zone and hit the go button.

#4. How far away is the beach from Winston-Salem, NC?

Wilmington, North Carolina, is an easy three-hour drive east on I-40. The Outer Banks of North Carolina are close enough to spend a holiday weekend.

#5. How far away are the mountains from Winston-Salem, NC?

You have the best of both worlds if you live in Winston-Salem: the mountains and the beach. Asheville and the Great Smokey Mountains are less than 150 miles from Winston-Salem.

#6. Where is the post office in Winston-Salem, NC?

The table below lists the post office locations for Winston-Salem.

Winston-Salem, NC Post Office Locations
Post OfficeAddressPhone Number
Center City Post Office200 Town Run Ln, Winston Salem, NC 27101336-668-1375
Hanes Mall Post Office3320 Silas Creek Pkwy Ste 500, Winston Salem, NC 27103336-668-1375
Manor Post Office3331 Healy Dr, Winston Salem, NC 27103336-668-1375
North Point Post Office7840 N Point Blvd Ste 110, Winston Salem, NC 27106336-931-9320
Waughtown Post Office1995 Pleasant St, Winston Salem, NC 27107336-668-1375
Winston Salem Post Office1500 N Patterson Ave, Winston Salem, NC 27105336-668-1375
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#7. What else is there to do in Winston-Salem, NC?

Just ask these two:

There are usually some hidden-away gems in every city, and Winston-Salem is no exception.

#8. What else do I need to know about Winston-Salem, NC?

That’s a good question. It’s a growing city with a vibrant downtown. It’s centrally located in North Carolina with easy access to the mountains and the beach. We don’t know the answers to all of the questions you may have, but we do know how to help you find a great deal on car insurance.

What part of this guide was the most helpful? Was there something we could explain better so that you can make a better-informed car insurance decision?

To get started on finding the best and most affordable insurance in Winston-Salem NC for you and your family, enter your ZIP code below to get started.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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Winston-Salem, NC Car Insurance Rates vs. Top US Metro Car Insurance Rates
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