Car Insurance in Winston Salem

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Call for FREE quotes: (855) 425-8122

Joel Ohman
Founder, CFP®

UPDATED: Feb 27, 2017

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Here's what you need to know...

  • Winston-Salem stands out as being in one of the first states where liability coverage was mandatory
  • Consumers should select an insurance agent who will give you the best quote for your money, not based on the commission they hope to earn
  • Auto insurance rates are based on a number of risk factors which includes age, residential location, occupation, driving record and policy limits

Winston-Salem stands out as being in one of the first states where liability coverage was mandatory. Residents must have enough liability car insurance to pay for any bodily and property damage caused by traffic accidents.

Since liability car insurance is required for all household budgets, residents of Winston-Salem should comparison shop for the best rates and coverage. This can help to prevent paying more than is necessary while meeting state car insurance requirements.

With a population of approximately 229,828, Winston-Salem is considered one of the most affluent communities in North Carolina. The city also has a vibrant music scene and museums that chronicle North Carolina’s history back to the 18th century.

Winston-Salem is home to several colleges, including Winston-Salem State University and Wake Forest, which have good basketball teams. Visitors and residents can also enjoy athletic games of college soccer, football and hockey.

Compare car insurance quotes online by entering your zip code above and allowing us to find the best car insurance for you!

Winston Salem Auto Insurance Requirements


Mandatory requirements in Winston-Salem are based on the minimum coverage limits in North Carolina. Generally, residents need to have three basic coverage amounts to be in compliance with state law.

These include:

  • $30,000 to cover bodily injury or death in a single accident with one person
  • $60,000 to cover bodily injury or death in a single accident with two or more persons
  • $25,000 to cover property damage

While these are the minimum liability coverage amounts, some drivers decide to carry more for added protection.

For example, if medical expenses exceed $30,000 for one person, the driver at fault is responsible for paying the additional costs out of pocket.

Monthly premiums are an important factor when selecting the amount of liability car insurance. Often, it is a matter of what one can currently afford. For some people, the premiums for the minimum coverage limits are most affordable.

However, smart consumers understand the value of comparison shopping for the best car insurance rates. Our comparison tool allows you to compare car insurance companies and find the best rate for your exact needs!

Residents in Winston Salem must carry car liability insurance while driving on the roads. If coverage is canceled, the insurance company must notify the North Carolina Division of Motor Vehicles (DMV) immediately.

Failing to have adequate car insurance coverage could result in a suspension of driver’s license and fines.

Car insurance that is canceled requires notification from the insurance company to the DMV. The state sends the driver Form FS 5-7, which requires a response within 10 days.

In some cases, a gap in coverage occurred when the driver switched insurance carriers. The driver must complete the form by including current insurance information and pay the fee typically listed on the form.

Buying car insurance that does not provide proper coverage or failing to respond to Form FS 5-7 has negative consequences. Residents could receive a 30-day driver’s license suspension and fines over $200.

Further, drivers will have to complete and submit Form FS-1 to DMV before their license is reinstated.

Winston Salem Auto Insurance Laws


Car insurance laws for Winston-Salem follow the laws of the state. In North Carolina, drivers must have car insurance before registering a vehicle.

The minimum is proof of liability insurance. The Vehicle Financial Responsibility Act of 1957 was passed as a result of the increasing number of uninsured motorists.

North Carolina law requires residents to maintain car insurance coverage while it is registered in the state. This also applies to possessing a state issued license plate.

Residents must surrender the license plate if the car is in storage or there are no plans to drive the vehicle for an extended period.

Additionally, residents must keep their liability car insurance active until the plate is surrendered. Failing to do so could result in up to $150 in civil penalties.

Companies Providing Car Insurance in Winston-Salem

Residents must have adequate car insurance coverage from a company licensed to sell insurance in the state of North Carolina. There are a number of national insurance companies for residents to purchase liability insurance. Some of these companies are:

Residents have the option of contacting any of these companies directly or price shopping through an online service.

Free Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

Call for FREE quotes: (855) 425-8122

Winston-Salem Agencies

Some car insurance agencies represent one insurance company. These agencies sell cars and other insurance products offered by one company. They may also offer individualized service when filing a claim or making policy changes.

Others companies may operate as independent agents and have access to multiple insurance companies. Independent agents typically have more options for consumers who are looking for the best insurance rates.

Consumers should select an insurance agent who will give you the best quote for your money, not based on the commission they hope to earn.

Below is the contact information for five car insurance agencies in Winston-Salem. This is not an exhaustive list, but rather a representation of the many agencies in the city. Consumers can compare what each has to offer in terms of coverage and other services:

  • Alliance Insurance Services, LLC
    348 Summit Square Blvd
    Winston Salem, NC 27105
    (336) 377-9003
  • Breeden Insurance Services, Inc./ Epicurean Ins.
    12200 N NC Hwy 150 Ste 5
    Winston Salem, NC 27127
    (336) 764-8892
  • Davis Insurance Service, Inc.
    130 Charlois Blvd
    Winston Salem, NC 27102
    (336) 777-8500
  • Piedmont Insurance Agency of Winston Salem, Inc.
    12125 North NC Hwy 150
    Winston Salem, NC 27127
    (336) 764-2907
  • John Dillon Insurance Agency
    1016 Brookstown Ave, Winston Salem, NC 27101
    (336) 725-3541

Average Winston Salem Car Insurance Rates


The average car insurance rate for Winston-Salem residents is about $1,267 annually. This is below the mean rate in the county, but higher than the average state rate.

Auto insurance rates are based on a number of risk factors. Some of these include age, residential location, occupation, driving record and policy limits.

Additionally, rates may also differ among insurance carriers. Therefore, drivers should explore a variety of rates by comparison shopping online.

Crime is another factor that can affect car insurance rates. In Winston-Salem, 1,034 cars were stolen in 2010.

Compared to most cities, Winston Salem is a relatively safe area, but drivers are cautioned to secure their cars.

This can help avoid a rate increase if the car is broken into or stolen.

Winston-Salem Driving and Car Insurance Statistics

According to the North Carolina Department of Transportation (NCDOT), the average commute time to work for residents in Winston-Salem is approximately 20 minutes.

This results in over 4 million minutes of daily driving based on the population. With over 132.4 square miles and a population density of 1,400 people, this leaves a lot of room for 200,000 people to drive.

Still, there were 6,020 reported car accidents in 2010. While this is lower than most U.S. cities, this emphasizes the importance of carrying liability car insurance. Of the 6,020 car accidents, there were:

  • 21 fatalities
  • 1,915 physical injuries
  • 4,084 property damage

The number of fatalities is slightly less than the 38 that occurred in 2008. On average, men were more likely to cause an accident as women. In 2008, 83 percent of the accidents were caused by men; women caused nearly 17 percent of the accidents.

Compare Quotes for Insurance in Winston-Salem

Pros and Cons chart

It is easy to contact one insurance company and sign a policy. However, by comparing insurance policies, drivers will determine whether the policy is beneficial for various situations.

The best way to compare car insurance quotes is to use our zip code search. Residents should consider the types of coverage and what is affordable.

Some policies offer liability and comprehensive coverage; others may include roadside assistance and rental coverage to temporarily replace transportation after an accident.

By comparing prices and policy features, residents can save hundreds of dollars each year. So don’t wait any longer! Find cheap car insurance and begin saving today!

Free Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption