Find Cheap Car Insurance Policies in Winston-Salem, NC
Winston-Salem drivers pay an average of $103 a month for state-minimum liability coverage and $310 a month for full coverage in 2026, according to InsuranceQuotes.com’s own analysis of local market rates. Rush-hour congestion has been climbing on Salem Parkway, the rebuilt Business 40 corridor that carries traffic through downtown, a factor insurers weigh alongside North Carolina’s pure contributory negligence rule, which can bar an at-fault driver from recovering any damages at all. Shopping around pays off: NC Farm Bureau’s minimum-liability rate of $71 a month runs about 31% below the city average, and you can compare rates across North Carolina or see North Carolina home insurance costs if you’re bundling policies.
Rates last verified and updated: July 2026.
Winston-Salem, North Carolina is a vibrant city known for its rich history and thriving arts scene. As residents navigate the bustling streets of this charming southern town, it becomes essential to secure an affordable car insurance policy that provides adequate coverage. To simplify this process, drivers can turn to InsuranceQuotes’ user-friendly platform. By utilizing our easy-to-use quote form and real-time cost comparison tools, individuals can effortlessly obtain multiple free car insurance quotes from both local and national companies in one convenient place. This allows them to make informed decisions about their auto insurance needs while ensuring they find the most competitive rates available on the market today
Average Cost for Car Insurance in Winston-Salem, NC?
- State minimum liability on average in Winston-Salem costs $103 a month or $1,234 a year. Full coverage auto policies costs around $310 a month or $3,714 a year in Winston-Salem.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Winston-Salem – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Companies in Winston-Salem, NC
- In Winston-Salem the cheapest car insurance companies on average are North Carolina Farm Bureau, Progressive and State Farm. State minimum liability car insurance starts at $71 a month or $855 a year. The cheapest full coverage car insurance starts at $250 a month or $2,999 a yearwith North Carolina Farm Bureau.
Here are the average policy rates from the cheapest local and national insurance providers in Winston-Salem from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| NC Farm Bureau | $855 | $71 | $2,999 | $250 |
| Progressive | $988 | $82 | $3,501 | $292 |
| State Farm | $1,138 | $95 | $4,063 | $339 |
| GEICO | $1,164 | $97 | $3,792 | $316 |
| Allstate | $2,148 | $179 | $6,607 | $551 |
North Carolina State Minimum Liability Coverage Requirements
State minimum liability coverage for North Carolina drivers is:
- $50,000 bodily injury liability coverage per person injured in an accident
- $100,000 bodily injury liability coverage per accident for all persons injured
- $50,000 property damage liability coverage per accident
How to Choose the Best Car Insurance Coverage Amount in NC
In North Carolina there are multiple options for the amount of auto insurance coverage you choose from. Here are a list of the different policy types you can choose from past liability:
- Liability Coverage: This is the basic coverage required by law in North Carolina and covers damages and injuries you cause to others in an accident where you are at fault. It includes bodily injury liability coverage and property damage liability coverage.
- Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage protects you if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your expenses. It can also cover hit-and-run accidents.
- Personal Injury Protection (PIP): Also known as “no-fault” coverage, PIP pays for medical expenses, lost wages, and funeral expenses for you and your passengers, regardless of who is at fault in an accident.
- Collision Coverage: This covers damage to your vehicle caused by a collision with another vehicle or object, regardless of fault.
- Comprehensive Coverage: This covers damage to your vehicle from non-collision incidents such as theft, vandalism, fire, or natural disasters.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if you’re injured in an accident, regardless of who is at fault.
- Rental Reimbursement Coverage: This optional coverage helps pay for the cost of a rental car if your vehicle is being repaired due to a covered accident.
- Towing and Labor Coverage: This optional coverage helps pay for towing and labor costs if your vehicle breaks down and needs to be towed to a repair shop.
When selecting car insurance coverage options in North Carolina, it’s important to consider your individual needs, budget, and risk tolerance – our certified InsuranceQuotes agents can help you decide which policy option is best for you over the phone if needed.
Tips for Saving Money on Your Auto Policy
- Shop Multiple Car Insurance Quotes: Using InsuranceQuotes to compare quotes from multiple insurance companies to find the best rates. Each insurer may offer different discounts and pricing structures, so shopping around can help you find the most competitive option.
- Bundle Policies: Many insurance companies offer discounts if you bundle multiple policies, such as auto and homeowner’s insurance, with the same provider.
- Maintain a Good Driving Record: Insurance companies often offer lower rates to drivers with clean driving records. Avoid accidents and traffic violations to qualify for lower premiums.
- Consider Higher Deductibles: Choosing a higher deductible can lower your insurance premiums. Just make sure you can afford to pay the deductible out of pocket if you need to file a claim.
- Drive Less: Some insurance companies offer discounts for low-mileage drivers. If you drive fewer miles than average, inquire about mileage-based discounts.
- Take Advantage of Discounts: Many insurers offer discounts for various factors, such as being a good student, having safety features installed in your car, or completing a defensive driving course. Ask your insurance company about available discounts and eligibility criteria.
- Maintain Good Credit: North Carolina insurance companies often use credit-based insurance scores to determine premiums. Maintaining a good credit score can help you qualify for lower rates.
- Drive a Safe Vehicle: Some cars are cheaper to insure than others due to factors like safety ratings, repair costs, and theft rates. Before purchasing a vehicle, research insurance costs for different makes and models.
- Review Your Coverage Option Every Few Months: Periodically review your insurance coverage to ensure you’re not paying for more coverage than you need. Adjust your coverage limits and deductibles as your circumstances change.
- Ask About Affiliation Discounts: Some insurers offer discounts for members of certain organizations, alumni associations, or professional groups. Inquire whether you qualify for any affiliation discounts.
Car insurance in Winston-Salem, NC averages approximately $103 per month for state-minimum liability coverage and $310 per month for full coverage in 2026, based on InsuranceQuotes.com’s own analysis of local rate data. NC Farm Bureau offers the cheapest rates among the carriers we compare, starting around $71 per month for minimum coverage and $250 per month for full coverage. Your actual rate in Winston-Salem depends on your driving record, vehicle, ZIP code, and coverage level.
NC requires minimum coverage of 50/100/50. NC is a tort state — the at-fault driver is responsible for all resulting damages. Driving uninsured in NC can result in license suspension and fines.
No. NC is a tort state. The at-fault driver is legally responsible for the other party’s injuries and property damage.
Based on InsuranceQuotes.com’s own rate comparison for Winston-Salem, NC Farm Bureau is the most affordable option at $71 per month for minimum liability ($855 per year) and $250 per month for full coverage ($2,999 per year). Progressive is the next cheapest at $82 per month minimum and $292 per month full coverage, followed by State Farm and GEICO in the $95 to $97 per month range for minimum liability. Allstate is the most expensive option in our comparison at $179 per month minimum and $551 per month full coverage. Rate differences between carriers can exceed $100 per month for identical coverage, so comparing quotes matters.
North Carolina’s auto insurance rates are regulated by the state Department of Insurance, which moderates increases compared to unregulated markets. To lower your Winston-Salem premium: (1) compare at least three carrier quotes annually, (2) maintain a clean driving record, (3) bundle auto and home or renters insurance for 5 to 15% savings, and (4) raise your deductible to $1,000 on full coverage to cut premiums 10 to 15%.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
