Best Cheap Car Insurance in Winston Salem, North Carolina 2022

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Single-car drivers in Winston Salem pay an average of $2,226 annually for car insurance. That’s about $185 per month to insure your car.
As the home of several universities and the headquarters of many multinational corporations, Winston-Salem is a thriving metropolis in the middle of North Carolina. Its diverse neighborhoods make the city unique, and Winston-Salem is routinely ranked one of the best places to live in the United States. Unfortunately, it also ranks high for

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Whether you stick to your state’s minimum liability requirements or opt for a full-coverage policy with comprehensive and collision insurance, your home state plays a big role in determining how much you pay to protect your wallet against car-related expenses.
To find the best coverage options for your vehicle in North Carolina, download Jerry, the world’s first super app for car owners and your key to optimized insurance!

Best car insurance companies in Winston Salem

There’s no single company that offers the best rate to everyone in Winston Salem . If you’ve recently moved or are looking to optimize your coverage, the best option is to compare multiple quotes from different companies. Sound like a drag? The Jerry app can get it done in a matter of seconds, saving you time and money while setting you up with the best coverage available!
Take a look at the table below for comparison of real Jerry customers’ rates in Winston Salem :

Check out insurance company reviews from real Jerry customers:

Easy to apply and renew
They do what they can to help you out
They’re always willing to help when you have an issue and I couldn’t be happier!
Any issue we have had was taken care of quickly. They are very helpful and quick.
I have gone back and forth between a couple carriers for my car insurance and Progressive offers the best deal in my area.
Have not had an issue yet. Their rates are surprisingly lower than anywhere else. Customer service always answer as soon as I call, no long waits!
No matter what provider you choose, you’ll need to meet your state’s minimum legal requirements for car insurance. In most cases, that means buying a certain amount of liability insurance, but you may also need to carry uninsured motorist coverage, medical payments coverage, or personal injury protection.
State requirements and risk assessments associated with zip codes mean your rate could vary not just from state to state or city to city, but block to block! With so many factors at play, finding the best coverage becomes dizzyingly complex. That’s why Jerry exists: to simplify car insurance comparison with authoritative quotes from over 55 top insurance providers.
Here’s what actual Jerry customers pay:
Quote DateCarZip CodeNameAgeInsurance Company
Before Jerry
After Jerry
September 27, 2022Chevrolet Cruze LS27127Winnie S.34Progressive$180/mo.$109/mo.
September 22, 2022Kia Forte LX27104Herbert M.35Dairyland$155/mo.$124/mo.
September 15, 2022Nissan Altima 2.527105Ola J.37Progressive$187/mo.$182/mo.
September 19, 2022Acura TLX27103Virgie W.46Dairyland$202/mo.$189/mo.
September 27, 2022Hyundai Sonata SE27107Duane S.25Progressive$307/mo.$268/mo.
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How much does car insurance in Winston Salem cost?

Rates for car insurance in the same state can fluctuate wildly depending on your specific zip code. Depending on your city’s demographics—including population density, average age, and accident rate—your car insurance premiums may be much higher or lower than a neighboring city.
Here’s what real Jerry customers paid for car insurance in Winston Salem:
How do Winston Salem insurance rates compare to similar areas? Take a look at the table below to see. 
Let’s break down what makes car insurance in Winston Salem so expensive. The graph below shows how much North Carolina drivers pay, on average, for liability insurance, comprehensive coverage, and collision insurance—the three main elements of what’s called “full coverage car insurance.”
  • Liability coverage, which is the bare minimum required by law, covers repairs and medical expenses for other drivers if you’re in a collision
  • Comprehensive insurance covers repairs to your car caused by something other than a collision (e.g. vandalism, natural disasters, or theft)
  • Collision insurance covers repair costs for your vehicle following a collision with another car or a stationary object
So, how much car insurance does North Carolina require?
North Carolina requires that every resident have at least $30,000 per person/$60,000 per accident for bodily injury liability and $25,000 per accident in property damage liability.
In case you are pulled over in North Carolina, you are required to show your driver’s license, proof of insurance, and vehicle registration. Your proof of insurance is also required to register your vehicle in North Carolina.
No. North Carolina is an at-fault state. This means that if you are in an accident, one party is considered “at-fault,” and their liability pays for property and injury damages to the other party.
Take a look at the graph to visualize how much your expenses could increase if you opt for full coverage.
But those are just the minimum requirements you need to avoid a violation. If you’re in an accident, state minimum insurance might not cover all your expenses—especially if you or anyone in your vehicle is injured, or your car sustains significant damage.
That’s why experts generally suggest carrying more than the minimum required coverage. As previously mentioned, so-called “full-coverage” policy typically includes liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
On top of that coverage, you can check out special add-ons to fit your situation, vehicle, and unique needs. Do a lot of driving on remote back roads? Towing and labor coverage could get you out of a tight spot. Work for a rideshare company? Be sure to invest in rideshare insurance. You can even add specialized insurance for your car’s sound system if you’ve got a premium audio setup.

Best car insurance for bad drivers in Winston Salem

Listen, we’re not here to judge. Maybe you had a bad day and ended up with a reckless driving charge or a DUI. Maybe you had a really good day and landed yourself an accidental speeding ticket.
No matter the reasons behind your tickets, even minor traffic violations can have an outsize impact on your insurance premium, especially if they’re repeated. And just one major offense (think DUI) could get you labeled as a “high-risk driver” by your insurance company. Worst of all, that label can follow you for years in some cases—even if you’ve cleaned up your act and drive like a saint.
Here’s where Jerry comes in. Even if your driving record is less than stellar (like, a lot less), there are still ways to optimize your rates and coverage to get the policy you need. Here’s how much Jerry customers in Winston Salem with a history of violations saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,337$839
Speeding over 15$2,858$1,496
Eluding Police$3,648$1,012
Speeding under 15$2,912$982
Defective Equipment$2,197$845
Careless Driving$2,640$337
Failure to Obey Traffic Sign$1,188$277

Winston Salem driving violation FAQ's

How much is car insurance in Winston Salem with a DUI?

If you have a DUI on your record, your car insurance premium in Winston Salem could increase by as much as 5%.

How much does your car insurance increase after a speeding ticket in Winston Salem?

If you’re caught speeding through Winston Salem and end up with a ticket, you can expect to see your insurance rate jump by about 13%. And keep in mind—repeated speeding tickets could cause an even bigger increase!

Best car insurance in Winston Salem by age

Young people get stereotyped all the time—but when insurance companies do it, it can cost you hundreds of dollars a year!

Best car insurance in Winston Salem for young drivers

That’s because insurance companies use age as a metric for risk. Providers see young drivers as less experienced and more likely to submit claims (i.e., cost them money) than older drivers—so they tend to hike rates for anyone under 25.
Of course, you know that no magic switch it going to flip when you turn 25 to make you a safer driver. You might even be the safest driver you know! But that won’t stop insurance companies from saddling you with a high rate.
To keep your rates low at a young age, check out these simple hacks:
  • Plenty of insurance companies offer good student discounts to anyone under age 25 with a B average or higher. If you’re still in school, your grades could be the key to insurance savings!
  • If you can get on a family plan with an older relative or friend, you’ll benefit from their lower risk rating and get a lower rate on the same coverage.
  • Check for state-approved defensive driving courses. Many insurance companies will give you a discount if you can prove that you’ve attended a course.
  • Play the long game and stick with one insurance company for a few years. If you maintain a good driving record, you could score multiple discounts for loyalty and safe driving!
  • Telematics programs like Jerry’s Drive Well, Earn Perks offer discounts and rewards for safe driving—and instead of basing your savings on your age, it’ll be based directly on how you actually drive!
Want to see how much more you might pay for car insurance in Winston Salem based on your age? Check out the table below.

Car insurance in Winston Salem for your car

Your age and driving record aren’t the only things that determine your car insurance rates in Winston Salem. The vehicle you drive also plays a role.
The Toyota Prius is one of the most popular cars in North Carolina—and it’s cheaper to insure than a lot of the SUVs and electric cars on the road today. But if you drive a minivan, a truck, or a sports car, you might be looking at a higher premium than your other Winston Salem neighbors.
Take a look at the table below for a full rundown of how much insurance for different makes costs in Winston Salem.
Average Cost
Annual Savings with Jerry
Honda Civic LX$2,253$949
Nissan Altima 2.5$2,624$940
Ford Fusion SE$2,272$896
Hyundai Elantra SE$2,520$882
Toyota Corolla L$2,212$848

Winston Salem car FAQ's

More people in Winston Salem drive a Honda Accord Ex than any other car! On average, these drivers pay $895 for their auto insurance.

What is the most expensive car to insure in Winston Salem?

At an average of $4,675 per year, a Dodge Charger R/T is the most expensive car to insure in Winston Salem. If you drive one, we’re sorry.

Car insurance cost based on where you live in Winston Salem:

Now, we’ve been talking about “drivers in Winston Salem” as if everyone sees the same rates—but in fact, your rate can vary by zip code, making it possible to have a completely different rate from your neighbor two blocks away.
Why? The simple answer: accident rates and property crimes. Maybe your zip code puts you closer to a major road with tons of accidents, or you’re in a hotspot for auto theft. Within Winston Salem, drivers in the 27127, 27105 and 27104 zip code typically have the highest car insurance premiums, while the cheapest rates are found in the 27103, 27101, 27107 and 27106 code.
Want to see the average rates in your zip code? Take a look at the breakdown below.
Quote DateZip codeCarStateNameAgeInsurance Company
Before Jerry
After Jerry
September 27, 202227127Chevrolet Cruze LSNCWinnie S.34Progressive$180/mo.$109/mo.
September 22, 202227104Kia Forte LXNCHerbert M.35Dairyland$155/mo.$124/mo.
September 15, 202227105Nissan Altima 2.5NCOla J.37Progressive$187/mo.$182/mo.
September 19, 202227103Acura TLXNCVirgie W.46Dairyland$202/mo.$189/mo.
September 27, 202227107Hyundai Sonata SENCDuane S.25Progressive$307/mo.$268/mo.

How can you save money on car insurance in Winston Salem?

Let’s face it: living in Winston Salem means living with higher than average insurance rates. Add that to an already high cost of living overall, and saving money on insurance becomes a great way to free up space in your budget.
Sound impossible? Not at all! Here are a few simple ways to save money on car insurance in Winston Salem.

Compare quotes and shop often

That’s right—shopping for car insurance doesn’t have to be a one-and-done. In fact, experts recommend comparing quotes from at least three companies and shopping for new rates every six months!
Okay, we agree: that sounds like a huge pain, especially if it’s only saving you a few extra dollars each month. That’s why we created Jerry, the world’s first super app for car owners. The Jerry app takes the time, effort, and hassle out of car insurance shopping through the power of technology.
In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best coverage at the best rate for you. Pick the quote you like, and Jerry will handle all the paperwork—we’ll even help you cancel your old policy! Best of all, Jerry conducts routine price monitoring so you never have to worry about shopping for new rates again.
And the savings? The average Jerry user saves over $800 a year just by letting the app do their shopping.

Hunt for discounts

Here’s the one insurance savings hack that requires a little legwork on your part: finding discounts. Every insurance company offers them, but they’re not all the same, and companies often won’t advertise them directly.
That means it’s on you to search for the best discounts for you. Call your insurance company and ask about the following types of discount:
  • Good driver discounts:
    Winston Salem drivers are in luck—state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts:
    You need to prove a long record of safe driving for a state-mandated good driver discount, but many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts:
    Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
  • Bundling discounts:
    You’ve heard it before—bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
These are just some of the most popular car insurance discounts in North Carolina—but it’s not an exhaustive list! Call your agent and ask what other discounts are available.

Increase your deductible

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
If you’re wondering “what is my deductible, actually?”, think of it as the amount you’ll pay out of pocket before insurance kicks in. Keeping your deductible low ensures you won’t have to pay much in the event of an accident—but it also means your monthly costs will be higher.
Raising your deductible will lower your regular payments, and if you’re already practicing safe driving for discounts, it’s a win-win! Just make sure that you have enough to cover the deductible if you do get into an accident—after all, there’s no way to predict and prevent every collision.

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