Best Cheap Auto Insurance in Winston-Salem, NC (2021)

The average Winston-Salem, NC auto insurance rates are $248 per month. The minimum auto insurance in Winston-Salem is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Winston-Salem, North Carolina, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The average commute length in Winston-Salem is 20.9 minutes
  • The most expensive auto insurance company in Winston-Salem for teen drivers is Allstate
  • The cheapest auto insurance company in Winston-Salem is Liberty Mutual

Winston-Salem, North Carolina auto insurance requirements are 30/60/25 according to North Carolina auto insurance laws. Finding cheap auto insurance in Winston-Salem can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Winston-Salem, North Carolina, including driving record, credit, commute time, and more.

Compare auto insurance in Winston-Salem to other North Carolina cities, including High Point auto insurance rates, Durham auto insurance rates, and Wilmington auto insurance rates to see how Winston-Salem, North Carolina auto insurance rates stack up.

Before you buy Winston-Salem, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Winston-Salem, North Carolina auto insurance quotes.

Minimum Auto Insurance in Winston-Salem, North Carolina

Winston-Salem, North Carolina auto insurance laws require that you have at least the North Carolina minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Winston-Salem, North Carolina.

Minimum Required Auto Insurance Coverage in Winston-Salem, North Carolina

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Winston-Salem, North Carolina Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Winston-Salem, North Carolina are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Winston-Salem, North Carolina

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,751 $4,751 $3,898 $3,898 $11,403 $11,403 $4,844 $4,844
GEICO $2,315 $2,270 $2,283 $2,240 $4,360 $4,321 $2,019 $2,007
Liberty Mutual $1,611 $1,611 $1,667 $1,667 $2,861 $2,861 $1,611 $1,611
Nationwide $2,134 $2,134 $2,134 $2,134 $3,640 $3,640 $2,134 $2,134
Progressive $1,500 $1,500 $1,372 $1,372 $3,645 $3,645 $1,687 $1,687
State Farm $2,257 $2,257 $1,953 $1,953 $3,331 $3,331 $2,788 $2,788
Travelers $2,375 $2,375 $2,356 $2,356 $4,058 $4,058 $2,438 $2,438

Cheap Winston-Salem, North Carolina Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Winston-Salem, North Carolina is a challenge. Take a look at the annual teen auto insurance rates in Winston-Salem, North Carolina.

Annual Auto Insurance Rates for Teen Drivers in Winston-Salem, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,403 $11,403
GEICO $4,360 $4,321
Liberty Mutual $2,861 $2,861
Nationwide $3,640 $3,640
Progressive $3,645 $3,645
State Farm $3,331 $3,331
Travelers $4,058 $4,058

Cheap Winston-Salem, North Carolina Auto Insurance for Seniors

What are senior auto insurance rates in Winston-Salem, North Carolina? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Winston-Salem, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,898 $3,898
GEICO $2,283 $2,240
Liberty Mutual $1,667 $1,667
Nationwide $2,134 $2,134
Progressive $1,372 $1,372
State Farm $1,953 $1,953
Travelers $2,356 $2,356

Cheap Winston-Salem, North Carolina Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Winston-Salem, North Carolina compared to the annual auto insurance rates with a clean record in Winston-Salem, North Carolina.

Annual Winston-Salem, North Carolina Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,370 $5,953 $11,019 $4,554
GEICO $1,514 $2,211 $5,133 $2,049
Liberty Mutual $1,158 $1,484 $3,625 $1,484
Nationwide $1,482 $1,912 $4,736 $1,912
Progressive $971 $1,413 $4,454 $1,366
State Farm $1,374 $1,990 $4,974 $1,990
Travelers $1,680 $2,190 $5,197 $2,160

Cheap Winston-Salem, North Carolina Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Winston-Salem, North Carolina is not easy. Compare the annual rates for DUI auto insurance in Winston-Salem, North Carolina to find the best deal.

Annual Auto Insurance Rates After a DUI in Winston-Salem, North Carolina

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $11,019
GEICO $5,133
Liberty Mutual $3,625
Nationwide $4,736
Progressive $4,454
State Farm $4,974
Travelers $5,197

Cheap Winston-Salem, North Carolina Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Winston-Salem, North Carolina annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Winston-Salem, North Carolina

Insurance Company Poor Fair Good
Allstate $8,392 $5,474 $4,806
GEICO $2,957 $2,714 $2,510
Liberty Mutual $1,938 $1,938 $1,938
Nationwide $2,510 $2,510 $2,510
Progressive $2,315 $2,002 $1,836
State Farm $3,625 $2,319 $1,802
Travelers $2,992 $2,728 $2,700

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Cheap Winston-Salem, North Carolina Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Winston-Salem, North Carolina can vary. Compare the annual cost of auto insurance by ZIP code in Winston-Salem, North Carolina to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Winston-Salem, North Carolina

ZIP Code Average Annual Rates
27101 $2,659
27103 $2,655
27104 $2,667
27105 $2,654
27106 $2,674
27107 $2,781
27109 $2,665
27110 $2,777
27127 $2,774
27157 $2,823

Cheap Winston-Salem, North Carolina Auto Insurance Rates By Commute

Commute length and annual mileage affect Winston-Salem, North Carolina auto insurance. Find the cheapest annual Winston-Salem, North Carolina auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Winston-Salem, North Carolina

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,224 $6,224
GEICO $2,727 $2,727
Liberty Mutual $1,938 $1,938
Nationwide $2,510 $2,510
Progressive $2,051 $2,051
State Farm $2,575 $2,590
Travelers $2,807 $2,807

Cheap Winston-Salem, North Carolina Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Winston-Salem, North Carolina? Check out the comparison of annual Winston-Salem, North Carolina auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Winston-Salem, North Carolina

Insurance Company Low Medium High
Allstate $5,981 $6,198 $6,493
GEICO $2,600 $2,717 $2,864
Liberty Mutual $1,842 $1,925 $2,046
Nationwide $2,404 $2,497 $2,630
Progressive $1,941 $2,037 $2,175
State Farm $2,472 $2,568 $2,706
Travelers $2,685 $2,791 $2,945

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Best By Category: Cheapest Auto Insurance in Winston-Salem, North Carolina

Compare the cheapest auto insurance companies in Winston-Salem, North Carolina in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Winston-Salem, North Carolina

Category Insurance Company
Teenagers Liberty Mutual
Seniors Progressive
Clean Record Progressive
With 1 Accident Progressive
With 1 DUI Liberty Mutual
With 1 Speeding Violation Progressive

The Cheapest Winston-Salem, North Carolina Auto Insurance Companies

What auto insurance companies in Winston-Salem, North Carolina are the cheapest? Compare the top Winston-Salem, North Carolina auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Winston-Salem, North Carolina

Insurance Company Average Annual Rates
Allstate $6,224
GEICO $2,727
Liberty Mutual $1,938
Nationwide $2,510
Progressive $2,051
State Farm $2,582
Travelers $2,807

What affects auto insurance rates in Winston-Salem, North Carolina?

There are a lot of reasons why auto insurance rates in Winston-Salem, North Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Winston-Salem, North Carolina. Many local factors may affect your Winston-Salem auto insurance rates.

Winston-Salem Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Winston-Salem, North Carolina commute length is 20.9 minutes according to City-Data.

Winston-Salem Traffic

How does Winston-Salem, North Carolina rank for traffic? According to Inrix Winston-Salem, North Carolina is the 841st most congested worldwide.

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Compare Winston-Salem, North Carolina Auto Insurance Quotes

Before you buy Winston-Salem, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Winston-Salem, North Carolina auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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