Car Insurance in Winston-Salem, NC
The average cost of North Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Winston-Salem, NC to find you the cheapest quotes in the area.
Cheapest Car Insurance in Winston-Salem, NC
Here are the cheapest carriers in Winston-Salem for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Companies | Quotes |
|---|---|
Progressive |
$40 /mo |
GEICO |
$55 /mo |
Travelers |
$63 /mo |
Nationwide |
$95 /mo |
Best Car Insurance in Winston-Salem, NC
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Winston-Salem. For the complete list, see Insurify's best car insurance companies.
| Companies | Score | Quotes |
|---|---|---|
|
GEICO |
87
|
$55 /mo |
|
Nationwide |
84
|
$95 /mo |
|
Travelers |
81
|
$63 /mo |
|
Progressive |
78
|
$40 /mo |
Average Car Insurance Cost
| North Carolina Cities | |
|---|---|
| Charlotte |
$96/mo |
| Raleigh |
$93/mo |
| Greensboro |
$88/mo |
| Durham |
$68/mo |
| Winston-Salem |
$63/mo |
| North Carolina |
$82/mo |
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Winston-Salem, NC Driving Facts
State Minimum Car Insurance Coverage in North Carolina
All motor vehicles operated or parked on North Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in North Carolina are as follows:
- $30,000 per person / $60,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by North Carolina state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by North Carolina law.
- $25,000/accident for Property Damage (PD)
The state minimum amount of property damage liability coverage required in the state of North Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Uninsured/underinsured motorist coverage is legally required in North Carolina to cover damages and lost wages to drivers and passengers involved in an accident with an uninsured/underinsured at-fault driver.
- $30,000 per person / $60,000 per accident for Bodily Injury Coverage if injured by an uninsured/underinsured driver
- $25,000 for Property Damage caused by an uninsured/underinsured driver
Insurify Rankings
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Winston-Salem stacks up for the state of North Carolina:
Suspended Licenses Rank
FAQs - Winston-Salem, NC Car Insurance
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