Cheap Auto Insurance Quotes in Winston-Salem, NC (January 2022)

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Last Updated: January 2022

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

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

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Winston-Salem, NC Driving Facts


Minimum Car Insurance Requirements in NC

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 or 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

Find local Winston-Salem agents

Wilson Insurance Services, Inc. 
3288 Robinhood Rd, Ste 102, Winston Salem, NC 27106
The Phoenix Company 
1396 Westgate Center Dr, Winston-Salem, NC 27103
Alliance Insurance Services 
348 Summit Square Blvd, Winston-Salem, NC 27105
'Mose'' Insurance Agency, Inc. '
904 Peters Creek Parkway, Winston Salem, NC 27103
Cameron Insurance Services, a Piedmont Triad Insurance Agency 
300 W 7th St, Winston Salem, NC 27101
Ketner Insurance Agency 
1365 Westgate Center Dr Ste O2, Winston Salem, NC 27103
McGriff-Blue Ridge Burke Insurance 
250 W 1st St Ste 100, Winston Salem, NC 27101-4055
Allegacy Benefit Solutions, LLC 
1691 Westbrook Plaza Dr., Winston Salem, NC 27103
Breeden Insurance Services Inc. 
12200 N NC Highway 150, Ste 5, Winston Salem, NC 27127-9725
Peak Insurance Group 
108 Cambridge Plaza Dr, Winston Salem, NC 27104

Insurify Insights: How Winston-Salem Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Winston-Salem drivers measure up to their fellow North Carolina motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Most Popular Vehicle in Winston-Salem

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Winston-Salem is the --.

DUI/DWIs in Winston-Salem

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Winston-Salem drivers rank -- in the number of DUI’s per driver across all cities in North Carolina.

  • Rank within state: #--
  • Percent of drivers in Winston-Salem with a DUI: {{percentDrivers}}%
  • Drivers in Winston-Salem, NC with a DUI in their driving history paid on average {{overpay}}% more than drivers with a clean record

Speeding in Winston-Salem

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in North Carolina, Winston-Salem drivers rank -- in the number of speeding infractions per driver.

  • Rank within state: #--
  • Percent of drivers in Winston-Salem with a speeding ticket: {{percentDrivers}}%
  • Drivers in Winston-Salem, NC with a speeding ticket in their driving history paid on average {{overpay}}% more than drivers with a clean record


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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