Buy Cheap Winston-Salem, NC Auto Insurance

The cheapest Winston-Salem auto insurance is from Liberty Mutual, but rates will vary for each driver. Auto insurance in Winston-Salem, NC must meet the state minimum requirements with coverage levels of 30/60/25 for liability and the same with uninsured/underinsured motorist coverage. Compare Winston-Salem. NC car insurance rates online to get the best price for you.

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Sara Routhier, Director of Outreach and Managing Editor of Features, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overw...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Mar 30, 2021

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A Concise Overview

  • The cheapest auto insurance company in Winston-Salem, NC is Liberty Mutual
  • Auto insurance in Winston-Salem is less than the state and national averages
  • Traffic and commute times are low in Winston-Salem, NC

Winston-Salem, NC auto insurance costs are actually below state and national averages. The good news is that North Carolina auto insurance as a whole is less expensive than the national average, too.

But, before you buy Winston-Salem, NC auto insurance, shop around to get the best deal available for you. Compare rates from multiple companies to find the coverage you want at the right price.

To compare Winston-Salem, NC auto insurance quotes today, just enter your ZIP code.

What is the cheapest auto insurance company in Winston-Salem, NC?

Liberty Mutual is the cheapest auto insurance company in Winston-Salem. These are the top-ranking Winston-Salem, NC auto insurance companies listed from least to most expensive:

  • Liberty Mutual – $1,937.65
  • Progressive – $2,051.02
  • Nationwide – $2,510.41
  • State Farm – $2,582.25
  • GEICO – $2,726.95
  • Travelers – $2,806.97
  • Allstate – $6,224.04

It’s important to note that there are many factors that affect your auto insurance rates. Some of the factors used to calculate your rates are your age, gender, marital status, ZIP code, driving record, and credit history.

Each driver will have different rates based on these factors.

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What auto insurance coverage is required in Winston-Salem, NC?

In order to drive legally in Winson-Salem, NC, drivers have to carry a minimum level of auto insurance. The minimum amount of auto insurance coverages NC drivers have to carry is:

  • $30,000 per person and $60,000 per incident for bodily injury liability
  • $25,000 per incident for property damage
  • Uninsured/underinsured motorist coverage is the same at 30/60/25

While carrying these amounts of coverage would allow you to drive legally, in a major accident, you can see that you can exceed those limits very quickly.

To keep accident expenses as low as possible, it’s recommended that you carry more than the bare minimum auto insurance.

What affects auto insurance rates in Winston-Salem, NC?

Let’s look at traffic and thefts in the Winston-Salem area to see how they affect your car insurance rates.

INRIX ranks Winston-Salem, NC as the 120th most congested city in the U.S. This is good news for the drivers and commuters in Winston-Salem.

In fact, City-Data reports that the average commute time in Winston-Salem, NC is 25 minutes or less. This helps cut down on congestion and accidents.

Although the FBI doesn’t list data for Winston-Salem, it does show that in the nearby city of Greensboro, there were 846 vehicle thefts.

Winston-Salem, NC Auto Insurance: The Bottom Line

Since the state has pretty low rates in general, you can find affordable Winston-Salem, NC auto insurance. However, you still want the best deal out there so shop around for the best prices.

Enter your ZIP code now to compare Winston-Salem auto insurance rates and find the best company for you.

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