How Much Does Auto Insurance Cost in Winston-Salem, NC?
Winston-Salem pricing is 15% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Winston-Salem's diversified economy.See our methodology
Auto Insurance Pricing in Winston-Salem, NC
Winston-Salem is one of the more affordable markets for auto insurance, with costs running about 15% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 245K-population metro area is straightforward.
Local climate plays a direct role in auto insurance costs here. Hot humid summers drive HVAC and pest control demand; hurricane risk in coastal areas.
Market-specific factors matter in Winston-Salem: growing market with competitive contractor rates.
Winston-Salem has moderate permitting requirements. Depending on the scope of your auto insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Winston-Salem vs National Average
What Affects Auto Insurance Cost in Winston-Salem?
Coverage
Minimum liability: $50-$100/mo. Full coverage: $150-$300/mo
Driving Record
Clean record vs DUI/accident can mean 50-200% higher premiums
Winston-Salem Market Conditions
growing market with competitive contractor rates
Local Climate Impact
hot humid summers drive HVAC and pest control demand; hurricane risk in coastal areas
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Top-Rated Auto Insurance Pros in Winston-Salem, NC
5 providersElite Plumbing
⭐ PREMIUMServing Winston-Salem and surrounding areas since 2009. Licensed, insured, and committed to quality workmanship at fair prices.
First Choice Contractors
⭐ PREMIUMServing Winston-Salem and surrounding areas since 2003. Licensed, insured, and committed to quality workmanship at fair prices.
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Tips to Save on Auto Insurance in Winston-Salem
- 1.Bundle with home insurance for 10-25% discount
- 2.Raise your deductible to lower premiums
- 3.Ask about safe driver and low mileage discounts
- 4.Shop around every 1-2 years — loyalty rarely pays
📈 Auto Insurance in Winston-Salem Cost Trends (2020–2024)
Prices have increased +17.7% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $130 | — |
| 2021 | $135 | +3.8% |
| 2022 | $144 | +6.7% |
| 2023 | $148 | +2.8% |
| 2024 | $153 | +3.4% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Auto Insurance in Winston-Salem
Recent Reports
Frequently Asked Questions
How much car insurance do I need?
At minimum, you need your state's required liability coverage. Experts recommend at least 100/300/100 liability plus comprehensive and collision.
Why does auto insurance cost different in Winston-Salem than other cities?
Winston-Salem's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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