Can’t-Miss Winston-Salem, NC Car Insurance [Comprehensive]

Winston-Salem, NC car insurance companies offer some of the cheapest auto insurance rates in the nation. This guide will give other relevant information related to Winston-Salem auto insurance, including road laws, what driving is like for residents in Winston-Salem, military benefits, and frequently asked questions about car insurance. Scroll down to get free Winston-Salem, NC car insurance quotes.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 22, 2020

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Winston-Salem City SummaryWinston-Salem City Stats
City population244,605
City density2,247 per sq. mile
Average cost in car insurance$2,823
Cheapest company$1,938
Road conditionsPoor Conditions: 12%
Mediocre Conditions: 25%
Fair Share: 25%
Good Share: 38%
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It’s quite a chore when you’re searching for car insurance, especially after you’ve bought a vehicle or decided to search for a cheaper car insurance premium. Most car insurance companies will ask you to renew your policy after six months. Perhaps you’re deciding if you should renew or find a company with cheaper rates.

Residents of Winston-Salem, N.C. will find that the city has some of the cheapest car insurance rates in the nation, and we’ll tell you about those cheap rates in this extensive guide about car insurance.

This guide is a preview of what you might expect from a quote and give you an idea of what you’ll pay for car insurance in Winston-Salem.

In addition to car insurance information, this guide will give other relevant information related to road laws, what driving is like for residents in Winston-Salem, military benefits, and frequently asked questions about car insurance.

If you want to see a quote right now, enter your ZIP code in the free car insurance comparison box above. For more information on Winston-Salem car insurance premiums, continue through the guide.

Table of Contents

The Cost of Car Insurance in Winston-Salem

Car insurance premiums can be expensive. Some can afford to pay their premiums all at once, while others use monthly installments to make car insurance payments more cost-efficient. No matter the choice, you’ll need car insurance. It’s the law.

What is the cost of car insurance in Winston-Salem? The average cost of car insurance is $2,823. When you look at the car insurance cost for major companies in Winston-Salem, those premiums could be cheaper or more expensive.

Why? Car insurance companies base their annual premiums on several factors that determine the price of car insurance coverage per policy. This section will cover each factor and lists the annual premiums based on factors such as age, ZIP code, commute mileage, coverage level, credit history, and driving record.

Do gender and age affect my car insurance in Winston-Salem?

North Carolina is one of the states where companies are banned from determining car insurance based on gender. This law was enacted in August 2019.

Several other states were also part of this practice and began the ban around the same time. However, car insurance companies will consider the age of the driver on the policy. According to Data USA, the average age in Winston-Salem is 35.

The data provided below is the average annual cost for car insurance premiums in Winston-Salem.

Age of DriverAverage Annual Premium
17-year-old driver$4,754
25-year-old driver$2,502
35-year-old driver$2,417
60-year-old driver$2,235
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Teen drivers, on average, pay the most for car insurance. Of course, car insurance companies will likely give parents a discount for insuring teens and even college students. In comparison to the average annual premium of Winston-Salem, teen driver car insurance per year is nearly $2,000 more.

Drivers who are 60 years old and older will likely pay the lowest premiums available.

What are the cheapest ZIP codes in Winston-Salem?

Where you live can also determine your yearly car insurance premium. The guide has narrowed down the location to Winston-Salem, but there’s a way to take an even closer look at car insurance premiums by ZIP code. The data listed in this section will reveal the annual premiums of Winston-Salem’s ZIP codes. Let’s see if they’re more expensive than the average annual premium of the city.

Winston-Salem ZIP CodeAverage Annual Premium
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The cheapest ZIP code is 27105, which is an area in North Carolina called Walkertown.  It’s a small metropolitan area with a mix of urban and rural areas. The most expensive ZIP code is 27157. This area code is located between West Highlands and Ardmore, N.C. 27157 is an urban area surrounded by businesses and rests south of U.S. Highway 40 (US-40).

The average annual premium for Walkertown is about $200 less than the Winston-Salem average annual premium, while the annual premium for the most expensive ZIP code is the same amount as the average annual premium.

What’s the best car insurance company in Winston-Salem?

Cheap Car Insurance Quotes has dedicated its webpages to informing readers about services provided by car insurance companies and the average annual premiums of some of the largest companies in the United States. The best car insurance company is the company that meets the needs of policyholders and potential customers.

Cheapest Car Insurance Rates by Company

Before we move on to other factors that determine car insurance, let’s look at the average annual premium from major car insurance companies in Winston-Salem. Are these annual premiums less than Winston-Salem’s city average? Let’s examine them in the data table.

Liberty Mutual$1,938
State Farm$2,582
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If you’re familiar with some of our guides, you’ll notice that Liberty Mutual has the cheapest car insurance premiums among the top companies in Winston-Salem. Liberty Mutual is usually more expensive than other car insurance companies, but in Winston-Salem, their rates are cheaper than the city average. All car insurance companies, except for Allstate, are lower than Winston-Salem’s city car insurance average.

Allstate’s car insurance premium per year is roughly $4,000 more than the city average.

Best Car Insurance for Commute Rates

When you’re getting a quote, a car insurance provider will ask what your vehicle is used for. What your vehicle is used for will explain how many commute miles you’re expected to travel during the duration of the policy. Here are the premiums based on commute mileage from each major company in Winston-Salem.

Company10-Mile Commute. 6,000 Annual Miles25-Mile Commute. 12,000 Annual Miles
Liberty Mutual$1,938$1,938
State Farm$2,575$2,590
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Companies in Winston-Salem issue the same premium price regardless of the miles a driver is estimated to travel during the policy. State Farm is the only company in Winston-Salem that increases their price based on higher or lower commute mileage per year.

Best Car Insurance for Coverage Level Rates

Winston-Salem’s coverage level is based on North Carolina’s minimum requirements and coverage limits. The minimum requirements for car insurance in North Carolina is $30,000 for bodily injury of one person per accident, $60,000 for bodily injury of two or more people per accident, and $25,000 for property damage per accident.

This minimum requirement is the coverage limit for North Carolina insurance policyholders. You may see coverage limits listed as rules.

The coverage rule for North Carolina is 30/60/25.

If you think this coverage rule isn’t enough to cover an accident, you can upgrade your minimum requirements to a higher coverage level. The coverage limits will increase such as 50/100/50 for medium coverage levels and 100/300/100 for high coverage levels.

This option is often available with major car insurance companies. However, the higher the coverage limit, the more money it will cost per year.

How much per year? Let’s see how much the annual premiums are based on the coverage level of each major company.

Liberty Mutual$1,842$1,925$2,046
State Farm$2,472$2,568$2,706
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Allstate still stands as the most expensive car insurance provider in Winston-Salem, while Liberty Mutual is the cheapest. See how the premiums increase for each level. Some of the premiums are so close to one another that it may be cheaper in the long term to get a medium- or high-coverage level.

Best Car Insurance for Credit History Rates

Car insurance providers have to check your credit if they are going to give you a policy. According to car insurance experts, credit history determines the financial ability to company premiums. How much will a potential customer pay based on credit history? Let’s examine the premiums.

Liberty Mutual$1,938$1,938$1,938
State Farm$3,625$2,319$1,802
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Look at how some of the premiums for car insurance increased. In some states, the premiums are double the average annual premium. For Allstate policyholders with poor credit, they’ll likely pay $3,600 more for car insurance.

Geico and Travelers have car insurance premiums that are over the city’s average, but it’s only about $100 more. The only companies that don’t issue increases or decreases are Liberty Mutual and Nationwide.

Why will car insurance providers issue higher rates for policyholders with poor or fair credit? Credit experts and car insurance companies follow annual statistics and have found that there’s a correlation between poor credit and motor vehicle risk. Those with good credit pay significantly less for premiums.

Best Car Insurance for Driving Record Rates

Winston-Salem residents with a clean driving record can save A LOT of money on car insurance. The research provided below shows some of the lowest premiums a city could have for car insurance.

CompanyClean RecordWith 1 Speeding ViolationWith 1 AccidentWith 1 DUI
Liberty Mutual$1,158$1,484$1,484$3,625
State Farm$1,374$1,990$1,990$4,974
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Car insurance companies in Winston-Salem reward policyholders for maintaining a clean driving record as seen in the “clean record” column. Some states and cities across the country have higher increases for accidents and speeding violations, but the increases for these types of violations are small compared to DUI convictions. Each company issues an annual rate that’s at least $800 more than the city average.

What are some other car insurance factors in Winston-Salem?

As you search for car insurance, you may be faced with some questions about your annual income, whether you own a home and your level of education.

Car insurance companies ask these questions so they can determine which income bracket you’re in. They compare that to their database and give you a quote based on these factors and the factors mentioned above.

This section examines Winston-Salem closely and shows the city’s overall growth and prosperity, the average household income, homeownership rate, education institutions, wages, poverty, and common occupations.

Metro Report — Growth and Prosperity

The 2019 Metro Report is the latest annual report from the Brookings Institute, a Washington, D.C. nonprofit public policy organization that researches new, innovative ideas for solving problems society faces at the local, national and global levels.

In the interest of the guide, we’ll provide the findings from the 2019 Metro Monitor Report of Winston-Salem. First, let’s talk about the elements of the Metro Monitor.

The first table is about growth. It shows the one-year and 10-year change for job growth in Winston-Salem. The Metro Monitor provides the Gross Metropolitan Product (GMP) of Winston-Salem.

GMP is the value of all produced goods and services within a metropolitan statistical area, such as Winston-Salem, during a specified period.

The growth portion of the Metro Monitor reviews the growth of young firms, which can be startup companies or agencies in the city. All three of these factors are measured from one to 100, where one through 20 is the best-performing and 81 through 100 is the worst-performing.  Let’s see where Winston-Salem stands.

Rating% Change 1-YearGrowth 1-Year Rating% Change 10-YearGrowth, 10-Year Rating
Overall rating-32 out of 100-87 out of 100
% change in jobs0.80%74 out of 100-0.80%88 out of 100
% change in GMP4.80%9 out of 100-1.20%94 out of 100
% change in jobs in young firms3.10%53 out of 100-23.40%77 out of 100
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The percent change in jobs and young firms had a moderate to struggling performance when measured in a year. However, the GMP performed well when job growth was measured in one year.

When looking at the 10-year growth rate, Winston-Salem didn’t perform well despite having a positive percentage in GMP from 2016 to 2017.

What about productivity, the standard of living, and the average annual salary? Metro Monitor covers those areas as well. Let’s look at how they changed in one year and how they changed in 10 years.

Rating% Change 1-YearProsperity 1-Year Rating% Change 10-YearProsperity 10-Year Rating
Overall rating-3 out of 100-73 out of 100
% change in productivity4.00%3 out of 100-0.40%88 out of 100
% change in standard of living3.90%4 out of 100-7.80%90 out of 100
% change in average annual wage4.30%2 out of 1009.80%15 out of 100
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Winston-Salem has a great overall rating when it comes to its performance over a year, but its overall rating over 10 years is moderate to poor.

Why is this? That would mean that the percentage change in the rating from one year to the next fluctuates. Within 10 years, there may be more years with a low overall rating. In the 2019 Metro Report, however, the 2016-17 year shows good performance ratings and positive percent change.

Median Household Income

The Metro Monitor reported Winston-Salem as having the best performance in average annual wage. Data USA reported that the median household income of Winston-Salem residents increased by 3.23 percent, which made the average income $47,099 in 2017. However, the average household incomes are still lower than the national average, which happens to be $57,652.

Why are jobs and income important to insurers? Car insurance companies need to know if you can pay for your premiums and they want to factor how much car insurance is taking from your household income. How could you find how much car insurance premiums are taking from your income or household income?

Let’s use the Winston-Salem average for car insurance, which is $2,823. Since the median income for Winston-Salem is $47,099, we’ll use that as an example as well.

To find the car insurance as a percent of income, divide $2,823 by $47,099 ($2,823 / $47,099). You’ll get a decimal solution of 0.05993, which is interpreted as 5.99 percent. Therefore, the average household in Winston-Salem spends about 6 percent of their income on car insurance per year.

Try using your income in place of the average household income to see how car insurance could affect your income. The Calculator Pro tool below does the math for you. Simply enter your income and cost of insurance per year in the box and press calculate to get your results.

Homeownership in Winston-Salem

In 2017, Data USA reported that about 55 percent of housing units in Winston-Salem were occupied by their owner. The national average for owners occupying their homes is roughly 64 percent.

The average property value in Winston-Salem is $142,200.

Why is property value or homeownership important to car insurance? Car insurance companies will ask if you own a home or other property so they can give you a discount for car insurance or bundle your car insurance with their home insurance policy. Policyholders can bundle their home insurance with car insurance to save more money.

Renters can still get renters insurance with a car insurance company if the company offers it. Bundling renters insurance with car insurance may come with several discounts. Ask an agent about bundling insurances.

Education in Winston-Salem

The most popular majors in Winston-Salem are registered nursing, business administration and management, and liberal arts. More women are likely to attend college than men, which is shown in Data USA’s 2017 results. An estimated 9,400 men attended college, compared to about 14,500 females.

The average cost of tuition in Winston-Salem is $18,390 for private four-year colleges, while public four-year colleges for in-state students are $4,949. Out-of-state students will have an average tuition cost that’s about $18,000 and $17,944 respectively, for public four-year colleges for in-state students and out-of-state students.

Why is education and college attendance important, and what does it have to do with car insurance?

A college student who performs well can receive a discount on a car insurance policy, and parents who have a college student on their policy can receive a discount.

The other factor to car insurance is that those who have a college degree pay lower rates. This is another connection where car insurance companies associate higher education levels with less risk.

Wage by Race and Ethnicity in Common Jobs

How does car insurance affect the wages of residents in Winston-Salem? Data USA provided several common jobs and compared their wages by ethnicity.

Wage by Race and Ethnicity in Common JobsMiscellaneous ManagersCar Insurance as % of Income (MM)Elementary & Middle School TeachersCar Insurance as % of Income (E&M Teachers)Retail SalespersonCar Insurance as % of Income (Retail)Drivers/Sales Workers & Truck DriversCar Insurance as % of Income (Drivers)CashiersCar Insurance as % of Income (Cashiers)
American Indian$66,2734.26%$37,4877.53%$28,3109.97%$34,9918.07%$17,66615.98%
Native Hawaiian and other Pacific Islander--------$9,04531.21%
Other Native American$40,6336.95%$41,0536.88%--$45,4156.22%--
Two or more races$92,7593.04%$40,8026.92%$19,27014.65%$31,1709.06%$8,30134.01%
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Notice the disparities between the ethnicities. Managers who are Asian were the highest-grossing employees in 2017. The lowest-earning wage in the table were cashiers, who identified as being two or more races.

The higher the annual income employees earned, the less they paid for car insurance as a percent of income.

Wage by Gender in Common Jobs

Is there a disparity among genders? Data USA continues its research and found the average annual salaries of both males and females.

Wage by Common Jobs SummaryAverage Male SalaryCar Insurance as % of Income (Male)Average Female SalaryCar Insurance as % of Income (Female)
Miscellaneous managers$102,5092.75%$73,9923.82%
Elementary & middle school teachers$42,7346.61%$41,0156.88%
Retail salespersons$48,2205.85%$33,0018.55%
Drivers/Sales workers & truck drivers$44,2256.38%$31,8218.87%
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Although North Carolina has outlawed car insurance companies from using gender as a factor in car insurance, female residents pay more for car insurance premiums as a percent of income. The smallest disparity is elementary and middle school teachers, who have annual salaries relatively close to each other. The car insurance premiums as a percent of income are approximately 7 percent.

Poverty by Age and Gender

Poverty is a challenge all cities face across the world. For Winston-Salem, 23.3 percent of the population lives under the poverty line. The national average is roughly 13.1 percent.

Let’s take a closer look at who’s affected by poverty the most. Are males more likely to encounter poverty than females?

Poverty by Age and GenderMales in PovertyFemales in Poverty
Younger than 56.00%6.07%
5 years old1.53%1.29%
6 to 11 years old6.21%6.77%
12 to 14 years old2.35%2.79%
15 years old0.64%1.02%
16 to 17 years old1.16%1.22%
18 to 24 years old5.66%8.72%
25 to 34 years old5.39%9.36%
35 to 44 years old4.66%6.07%
45 to 54 years old4.05%4.35%
55 to 64 years old3.72%4.49%
65 to 74 years old1.31%2.56%
75 years and older0.53%2.08%
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Based on Data USA’s research, females aged 25 to 34 years old were affected the most by poverty, followed by females who are 18 to 24 years old. Car insurance companies usually offer discounts that can curve car insurance costs. Unfortunately, low-cost or state-sponsored insurance isn’t available to North Carolina residents.

Poverty by Race and Ethnicity

What does poverty look like when we consider how it affects race and ethnicity? There are about 54,000 people in Winston-Salem who live under the poverty line. From the 54,000 people under the poverty line, Data USA has identified the percentage of people by ethnicity. Let’s see how race and ethnicity are affected.

Poverty by Race and Ethnicity% of People in Poverty
Native American0.29%
Pacific Islander0.18%
Two or more1.74%
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The ethnic group most affected by poverty in Winston-Salem are those who identify as black, followed by the white ethnic group. The least affected by poverty in Winston-Salem are Pacific Islander and Native American ethnic groups.

Employment by Occupations

According to Data USA, the most common jobs in Winston-Salem are administrative support jobs, sales jobs, and management jobs. Car insurance companies will ask you about your occupation during the quote process.

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Driving in Winston-Salem

Winston-Salem is a combination of rural and urban areas. Because the roadways vary, there are various road rules and road risks for residents in Winston-Salem.

For this section, we’ll explore the major roads in Winston-Salem, popular sites in the city, the road conditions, the most popular vehicles in the city, the traffic forecast in Winston-Salem, and other factors that relate to driving.

What are the major roads in Winston-Salem?

Let’s start his section off by listing the major roads in Winston-Salem. Major roads could be the major interstates, state highways, and other roads that lead to larger areas around the city such as business highway or city roads.

Major Highways in Winston-Salem

Interstates go all over the United States, while state highways are unique to a particular state. City roads or city highways are major roads in the city that leads to other towns and cities.

North Carolina has a total of 19 active routes, totaling 1,337.30 miles of roadway. Active routes are highways in which the state has regulated and approved where motor vehicles can travel. How many of those routes go through Winston-Salem?

Interstate 40 or I-40 is south of Winston-Salem and is considered a business route for North Carolina. East of Winston-Salem is U.S. Highway 421 (US-421), which crosses North Carolina Highway 150 (NC-150). North Carolina Highway 67 (NC-67) is west of Winston-Salem and it conjoins with I-40 in the south side of Winston-Salem.

Popular Road Trips/Sites

Winston-Salem has a few great attractions. Although the city doesn’t have an elaborate Expedia video, it does have a guide. The video below provides a look into Winston-Salem.

Road Conditions in Winston-Salem

Road conditions can be the bread and butter of a city because they can account for safe commuting and fewer hazards for motor vehicles. Winston-Salem’s road conditions are exceptionally good, according to the 2018 TRIPNET Urban Road Report.

TRIPNET reported that 12 percent of roads in Winston-Salem were in poor condition. Roads that were in mediocre and fair condition were 25 percent, while 38 percent of roads in Winston-Salem were in good condition, a factor that may have some influence on low car insurance premiums.

Road conditions are important because experts can use data to estimate changes in vehicle travel speeds and delays, which ultimately affects vehicle operating costs (VOCs). VOCs are costs that change with motor vehicle use. These costs include the cost of fuel, tires, repairs, and mileage-dependent depreciation costs. The yearly VOC for Winston-Salem is $435.

Does Winston-Salem use speeding or red-light cameras?

North Carolina is a state where red-light cameras are permitted by law. Red-light cameras are part of a law often referred to as automated enforcement law, which gives law enforcement the tools to prosecute motorists for violating traffic laws such as running a red light.

Although North Carolina law has an automated enforcement law in place, Winston-Salem doesn’t currently have any red-light cameras installed. It could change in the future.

Follow this link for a map that provides the location of red-light cameras around North Carolina. Check out the map to get a look at what cities have red-light cameras.

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What types of vehicles are in Winston-Salem?

Every motorist has different taste in vehicles, so you’re likely to see a mix of trucks, compact SUVs, and several sedans wherever you drive. Expect the same variety in Winston-Salem.

For this section, we’ll talk about the most popular vehicles owned in Winston-Salem. In addition to popular vehicles, we’ll give you some information about cars per household, speed traps to look out for, and vehicle theft in Winston-Salem.

Most Popular Vehicles Owned

According to Edmunds, the top three most popular vehicles in Winston-Salem are the Honda Accord, Toyota Camry, and the Honda CR-V. Yahoo! Finance backs up this claim in a report in 2019 in which they listed the Honda Accord as the most popular vehicle in North Carolina. Hondas and Toyotas are known for their fuel economy and long life span.

How many cars per household?

To determine car ownership by household, we turn to Data USA’s research. About 42 percent of households in Winston-Salem own two vehicles, followed by 27 percent of households who own one vehicle. The national average for households that own two vehicles is 41 percent. Winston-Salem is one of the states where a motor vehicle is essential to commuting long distances across the city.

Households without a Car

Although most households in Winston-Salem own at least one vehicle, some households don’t own a vehicle at all. Data USA estimates that 4,110 households don’t own a vehicle, which is about 4 percent. Reasons for not owning a vehicle depend on circumstance. Some residents in Winston-Salem may rely on ridesharing or public transportation to get to their destinations.

Speed Traps in Winston-Salem

Speed trap locations are created by law enforcement to track the speed of drivers on a roadway that’s had complaints of speeding. Motorists who are caught speeding during a speed trap are ticketed and must report to court or pay the ticket.

Winston-Salem speed traps go back as far as 2002. The latest speed trap was reported on July 20, 2017, on Research Parkway.

Vehicle Theft in Winston-Salem

Normally, we report the vehicle thefts from data provided by the FBI. However, Winston-Salem vehicle theft data isn’t provided in the annual statistics data of North Carolina. It doesn’t mean that crime didn’t happen in Winston-Salem. Let’s look at another agency that may provide us with Winston-Salem crime data.

The data provided in the rest of this section is from Neighborhood Scout, an agency dedicated to providing crime data of locations across the U.S.

Where does Winston-Salem stand when it comes to crime? We can determine this by looking at the crime index, which rates the crime of a city on a 100-point scale, where 100 is the safest rating. Winston-Salem’s crime index is 8.

Let’s examine the number of crimes in Winston-Salem.

Crime SummaryViolent CrimesProperty CrimesTotal Crimes
Number of crimes1,4438,0979,540
Crime rate (per 1,000 residents)5.8632.8738.73
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Based on Neighborhood Scout’s totals and crime rate per 1,000 residents, Winston-Salem residents are more than likely to encounter property crimes.

How do these stats compare to the entire state of North Carolina? How does it compare to national averages? Neighborhood Scout broadens their research, which we’ve summarized in the table below.

Area SummaryViolent Crime RateChances of Becoming a Victim (Violent Crime)Property Crime RateChances of Becoming a Victim (Property Crime)
Winston-Salem, NC5.861 in 17132.871 in 30
North Carolina (state average)3.781 in 26524.941 in 40
National average4-24-
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When compared to the state of North Carolina, Winston-Salem has a higher probability of violent crimes and property crimes. Winston-Salem residents are 1.5 times more likely to encounter a violent crime than the national average, and 1.38 times more likely to encounter a property crime.

How is traffic in Winston-Salem?

What is the traffic like in Winston-Salem? Winston-Salem has a population smaller than other North Carolina cities, but a large enough population to encounter a few traffic issues during peak hours of the day and night.

This section will cover traffic information in Winston-Salem. Also, we’ll provide information on the busiest highways, crash fatalities data, and list a few other reports to give an extensive look at Winston-Salem.

Traffic Congestion

Let’s start with traffic congestion. TomTom and Numbeo provide a comprehensive look into traffic congestion in real-time, meaning that anyone can see the traffic forecast live. But before we get into the traffic data, let’s talk about what some of the values mean.

The congestion level is the percentage of time added to the average amount of time for a commute. If a commute is 15 minutes and the congestion level is 4 percent, that means 4 percent of 15 minutes will be added to the commute, which is 36 seconds.

Minutes per day refers to the amount of time it takes for a free-flowing commute.

Morning and evening peak percentages work like the congestion level percentage, which involves adding the percent to the amount of time it takes for free-flowing commutes. Highways and non-highways work the same way as the congestion level as well.

Now, let’s review the TomTom Traffic stats in Winston-Salem.

Winston-Salem - TomTom SummaryWinston-Salem - TomTom Data
Congestion level12%
Minutes per day20 minutes
Time lost in rush hour per year55 Hours (2 days, 7 hours)
Morning peak17%
Evening peak29%
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The average commute time is shown in minutes per day, which is about 20 minutes. In 2019, the average congestion level for traffic in Winston-Salem was 12 percent, which means commute times took two minutes and 24 seconds longer when traffic was congested. The highest congestion levels in Winston-Salem were during evening peak hours.

Now, let’s look at the traffic data from Numbeo. Let’s talk about some of the traffic terms from Numbeo first.

Traffic index is the combined time consumed in traffic due to work commute, estimated time in traffic, estimated CO2 consumption while in traffic, and overall errors in traffic.

Time index is the average time, measured in minutes, for one-way trips. The inefficiency index is an estimate of errors in traffic. Let’s take a look at the traffic numbers from Numbeo

Winston-Salem Numbeo SummaryWinston-Salem - Numbeo Data
Traffic index119.66
Time index (in minutes)24.22
Inefficiency index104.99
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The traffic index (total time spent in traffic within a day) shows that motorists in Winston-Salem spend about two hours driving in traffic. This includes the commute to and from work and the time waiting in traffic. The maximum time spent on a one-way trip to work in Winston-Salem is 24 minutes, according to Numbeo. When traffic encounters several errors, Numbeo says commute time could be as long as an hour and 45 minutes.

For this section let’s watch a video of traffic in Winston-Salem.

This drive time video shows how moderate traffic is in Winston-Salem. Expect traffic to increase during the peak hours, which are 8 a.m. and 5 p.m.


Throughout the guide, we talked about how Winston-Salem is a combination of rural and urban areas. The most convenient way for Winston-Salem residents to commute around is by a motor vehicle.

Data USA reported that about 83 percent of workers drove alone to work, while 7.48 percent of workers in the city carpooled. About 2 percent of workers in Winston-Salem use public transit.

Busiest Highways

About 100,000 motor vehicles and trucks pass through Winston-Salem every day. US-421, I-40, and US-52 are the busiest highways in the city. The North Carolina Department of Transportation is constructing a loop around Winston-Salem to handle the congested traffic among these three major highways. This highway will be called the Winston-Salem Northern Beltway.

How safe are Winston-Salem streets and roads?

It’s time we mentioned the crash fatality numbers. Crash fatalities are relevant to car insurance because it’s a factor insurers consider when they want to get premiums increased.

If there is a steady increase in accidents, fatal and non-fatal, car insurance companies will ask insurance authorities to approve a premium increase. The fatality numbers are a way insurers can justify the increases.

Let’s start by looking at the data provided by the National Highway Traffic Safety Administration (NHTSA). The first table is fatality data from the NHTSA, which shows the 2018 fatality numbers of Forsyth County. Forsyth County is the county in which Winston-Salem is located.

Forsyth County FatalitiesNumber of Fatalities (2018)
Fatalities (all crashes)109
Fatalities involving alcohol-impaired driver16
Single-vehicle crash fatalities22
Fatalities involving speeding14
Roadway departure fatalities21
Intersection fatalities4
Passenger car occupant fatalities20
Pedestrian fatalities12
Pedal cyclist fatalities0
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“All Crashes” indicate the number of crashes in Forsyth County. The total number of crashes in Forsyth County is 109.

In 2018, Forsyth County ranks sixth in most fatalities in North Carolina.

What types of roads do crash fatalities usually occur on? The NHTSA investigates crash fatalities further through the Fatality Awareness Reporting System (FARS). FARS is a separate data record that lists crash fatalities that occur on different types of roadways.

Let’s review the FARS data and see how Forsyth County compares to the state of North Carolina.

Fatal Crashes by Area and Road Function ClassCrash Fatalities in Forsyth CountyCrash Fatalities in North Carolina
Freeway and Expressway448
Minor Arterial4118
Collector Arterial4131
Total Fatal Crashes391,321
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Before we analyze the data, let’s talk about what some of the terms mean. Arterial roads are roads designed to deal with heavy traffic and are classified as highways or city roadways (minor arterial). Collector arterial roads are roads that collect traffic and bring ultimately deliver motorists to arterial roads.

Forsyth County has a small share of North Carolina’s crash fatalities on roadways. The highest number of crash fatalities was on local roadways.

Finally, let’s examine the number of incidents that involved railways in Forsyth County. This information comes from the U.S. Department of Transportation (USDOT).

Calendar YearHighwayHighway User TypeRail Equipment TypeNon-Suicide FatalityNon-Suicide Injury
2012E. Bodenhamer RdAutomobileSpecial MOW Eq10
2013Raynold BlvdAutomobileYard/Switch00
2013SR-2385/Walkertown RdAutomobileFreight train01
2014PrivatePickup truckFreight train04
2015SR-1979/Grubbs RdAutomobileFreight train02
20153rd StreetAutomobileFreight train00
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The latest report shows that there were was only one fatality, which involved an automobile. The most incidents that occurred was between a pickup truck and freight train. There were a total of four injuries in 2014, but no fatalities. Motor vehicles were the most likely to be involved with a railway incident.

Special MOW Eq stands for Special Maintenance-of-Way (MOW) equipment, which is special equipment used to do maintenance on railroads.

Allstate America’s Best Drivers Report

Each year, Allstate releases a driving performance report which lists several cities around the United States with the best drivers. Winston-Salem made the 2019 list and was ranked 28 out of 200 cities in the country. Winston-Salem policyholders were 4.5 percent less likely to file a claim.

The average years between claims for Winston-Salem policyholders was 11 years. The claim rate is so low that Drivewise® HardBraking didn’t have any events per 1,000 miles to report.


Taxis aren’t the only ridesharing services these days. Individual drivers can use their vehicles to commute residents and visitors around cities and towns. Since companies like Uber and Lyft have made themselves available across the nation, it’s more than likely that they’ll be in Winston-Salem.

RideGuru lists Blacklane as another rideshare service that’s available in Winston-Salem. Blacklane is a rideshare service where the rideshare driver will pick you up in a luxury vehicle.

The rate for rideshare fares is as low as $6. The longer your ride, the more money you could pay. The $6 is based on a 1.5-mile distance, which takes about eight minutes in free-flowing traffic.

E-Star Repair Shops

Esurance policyholders can receive alerts from auto repair shops with a perk they can install on their smart device called the E-Star® Direct Repair Program.  The E-star® repair program collaborates with auto shops and gives updates to Esurance and Esurance policyholders on the status of car repairs.

If you’re ever in an accident, you’ll be able to use one of these locations. Esurance and the E-star Repair Shop will tell you when your vehicle is ready to be picked up.

Here are some locations near Winston-Salem that comply with the E-star® Direct Repair program.

Name of Repair ShopAddressE-mailPhone & Fax Number
Carolina's Collision Centers At North Point7600 Phoenix Dr. Winston-Salem, NC 27106[email protected]P: (336) 759-2993 F: (336) 759-3375
Vann York Paint & Body2617 N Main St. High Point, NC 27265[email protected]P: (336) 841-6464 F: (336) 841-8388
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Two locations in Winston-Salem are in compliance with E-Star Direct Repair. These locations are within a 20-mile radius of Winston-Salem.

What’s the weather like in Winston-Salem?

The weather in Winston-Salem is moderate compared to most cities. The average temperature is 60 degrees, while the annual low temperature is 49 degrees. Annual low temperatures usually occur during the winter months.

The annual high temperature normally occurs during the spring and summer months and can reach up to 70°F. These temperatures can rise or fall beyond the averages, depending on the heat indexes and polar vortexes.

The average annual precipitation in Winston-Salem is about 47 inches.

Did you know Forsyth County tied the U.S. national average for the number of natural disasters? Forsyth County’s number of natural disasters was the same as the U.S. average, which is 13 natural disasters in 2017. Hurricanes were the number one cause of disasters followed by droughts.

Is public transit available in Winston-Salem?

Public transit is available in Winston-Salem. The cost of fares for adults is $1 and includes free transfers. If you don’t want a regular fare but want to purchase a transit pass for a certain number of days, they’ll cost more. The costs for adult passes and Trans-AID Passes are the same.

Adult passes and Trans-AID Passes cost $30 for 30-day pass and $10 for a 10-ride pass. Elderly, disabled, and Medicare cardholders can get fare and pass prices cut in half if they present proof of age, proof of disability, or show proof that they hold a Medicare card.

Is alternate transportation available in Winston-Salem?

If you don’t want to use the transit buses, Winston-Salem offers its rideshare service known as Trans-AID.

Trans-AID is the Winston-Salem Transit Authority’s ride sharing transportation service for elderly commuters and adults with a disability that prevents them from using WSTA’s fixed-route services.

Trans-AID costs the same as adult passes for transit buses, but the prices are halved for the elderly, disabled, and Medicare cardholders.

Is parking easy in Winston-Salem?

Parking is simple when a motorist can find a parking spot. Events in any location can make parking very complicated. The City of Winston-Salem has issued a parking system, which does cost a minimal amount of money for visitors and residents. The tables below show the parking costs for off-street and on-street parking in the city of Winston-Salem.

LotTypeTimes Rates In EffectRateDaily Maximum
City Hall NorthHourlyHourly$1 for each hour or part thereof$9
Fourth and Church Street Deck (bounded by Fourth, Fifth, Church and Chestnut Street)HourlyDaily$1 for each hour or part thereof$9
Fourth and Church Street DeckPark and Shop Stamp redemptionEach$0.50$9
Fourth and Church Street DeckSingle spaceMonthly$65N/A
Fourth and Church Street DeckReserved Space PassMonthly$95N/A
Fourth and Church Street Deck10 to 30 spaces leasedMonthly$60N/A
Fourth and Church Street Deck31 to 50 spaces leasedMonthly$55N/A
Fourth and Church Street Deck51 to 70 spaces leasedMonthly$50N/A
Fourth and Church Street DeckOver 71 interior level spaces leasedMonthly$45N/A
Sixth-Cherry / Trade Parking Deck (bounded by Cherry and Sixth Streets)HourlyHourly$1 for each hour or part thereof$9
Sixth-Cherry / Trade Parking DeckPark and Shop Stamp redemptionEach$0.50$9
Sixth-Cherry / Trade Parking Deck24-hour passDaily$9$9
Sixth-Cherry / Trade Parking DeckEvening or weekend parkEvening or Weekend$2N/A
Sixth-Cherry / Trade Parking DeckWeekday Lunch with over 400 people attendingDaily$2$9
Sixth-Cherry / Trade Parking DeckSingle space leaseMonthly$42N/A
Trade and Liberty Parking LotBy Half HourHalf Hourly$0.25 for each half hour$9
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These are the prices for off-street parking, which includes parking decks and parking lots.

For on-street parking, there are two methods of parking for motorists. One is through single-space meter parking and the other is pay station parking. Let’s review their costs.

Meter TypeTime Per 25 cents
30-minute30 minutes
1-hour1 hour
2-hour1 hour
9-hour3 hours
10-hour2.5 hours
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Thirty-minute parking costs 25 cents at all meter types. Some meters are designated for 30 minutes only, which is single-space meter parking. For meter parking that’s over 30 minutes, a motorist must deposit 25 cents for 30 minutes of time.

If you’re at a one hour meter you’ll have to deposit 50 cents. Therefore, you’ll have to deposit money equal to the amount of time you want to remain parked.

Pay stations or parking stations are a bit different and have rates more expensive than single-meter parking.

Time Period CostCost
Less than 1 hour$0.25
1 hour$0.50
2 hours$1
3 hours$2
4 hours$4
5 hours$6
6 hours$8
More than 6 hours$10
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We’ll provide a video tutorial from the City of Winston-Salem to further explain how residents and visitors can use parking stations.

There are several methods to pay for parking in Winston-Salem. Just be sure to pay for enough time so you don’t receive a ticket.

How is the air quality in Winston-Salem?

The Environmental Protection Agency (EPA) releases annual reports that show the air quality of a particular area. Winston-Salem is one of the areas the EPA covered in an air quality index (AQI) report.

The air quality index measures the quality of the air in a designated area to determine its cleanliness and pollution. We’ve summarized the AQI results from the EPA in a data table below.

Winston-Salem, NC AQI Summary2017 AQI Index Data2018 AQI Index Data2019 AQI Index Data
Days with AQI365365365
Good days256233226
Moderate days109130139
Days unhealthy for sensitive groups-2-
Days unhealthy---
Days very unhealthy---
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Winston-Salem’s air quality has more good days than moderate days within a three-year trend projected in the summarized data. Only two days were considered unhealthy for sensitive groups, which could stem from a higher-than-average temperature during a heat index. Overall, the AQI in Winston-Salem’s metro area has been excellent.


Military service members, active and retired, often receive discounts from car insurance companies. However, these discounts aren’t always available across the country.

This section will go into the specifics about military benefits in car insurance. In addition to military and car insurance, we’ll provide the number of veterans in the Winston-Salem area.

Let’s start by telling you about the number of veterans living in Winston-Salem. Data USA’s 2017 data says an estimated 10,487 veterans lived in Winston-Salem. Most of the veterans who live in Winston-Salem served in the Vietnam conflict.

Is car insurance available to these veterans? The answer is yes. Allstate offers military discounts. Geico offers military discounts as well to active and retired military service members. Liberty Mutual only offers discounts to active members of the Armed Forces.

State Farm offers military discounts, but only in select states, so a military member may want to ask a State Farm agent whether they offer a military discount in North Carolina.

Nationwide, Progressive and Travelers aren’t offering military discounts yet, but will probably have a discount ready in the future.

What about USAA?

USAA stands for United Services Autombile Association.

This insurance agency is known for offering lower than average rates for military members and their immediate families. Unfortunately for Winston-Salem, USAA doesn’t offer policies in North Carolina.

Unique City Laws

City laws can be different, but they all comply with state law. Every city in the United States has its own set of ordinances unique to their local area.

What are some of the laws unique to Winston-Salem? Let’s explore the answer to that question in this section.

Are there any laws for food trucks in Winston-Salem? Food truck vendors should know that in addition to having a business license, they have to establish a special permit with the city. Even pushcart food vendors have to get a permit from Winston-Salem’s Department of Business Inclusion and Advancement.

Tiny home laws have been under much debate in North Carolina. In Winston-Salem, however, tiny homes are “permitted on single-family residential lots.” Winston-Salem law requires tiny home units to be occupied by a relative or a caretaker.

The parking law of Winston-Salem is summarized through a few bullet points on their city government website. All parking regulations and enforcement are managed by the Winston-Salem Department of Transportation. They normally handle all regulations in the downtown area. Parking fines depend on the type of violation.

Let’s examine the cost of the fines for parking violations in Winston-Salem.

  • Time violations: Fine of $15 (insufficient funds in single-space meter parking or parking station)
  • Illegal violations: Fines range from $15 to $250 (e.g. parking in a fire lane, double parking)

Failure to pay your fines will result in your vehicle being wheel-locked. Wheel locks are issued if a vehicle owner has three or more unpaid parking tickets or any tickets that are over 90 days old. Wheel locks may also be administered if the vehicle is found to be parked illegally.

For a motorist to have a wheel lock removed, they must pay all fines and wheel-lock fees.

All fines and fees must be paid to the Revenue Office in Winston-Salem. You can pay online or mail your payments to the Revenue office. Here’s the address:

Revenue Office
100 E. First St.
Bryce A. Stuart Municipal Building
Winston-Salem, NC 27101

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Winston-Salem Car Insurance FAQs

In the final section of the guide, we’ll cover a few questions that we missed. If you have a few more questions that we didn’t cover in the guide, use our comment section to ask questions or to simply make comments about car insurance in Winston-Salem.

#1 — Does Winston-Salem have low-cost insurance?

Low-cost insurance often refers to state-sponsored insurance. North Carolina doesn’t offer government-assisted car insurance.

#2 — What does collision coverage do?

Policyholders with collision coverage can have their vehicles repaired regardless of who is at fault. Many leasing offices and loan companies will require you to have collision insurance as a precaution.

#3 — My car was damaged in a storm. Am I covered?

Your vehicle is only covered under car insurance if you have comprehensive coverage on your car insurance policy.

#4 — Is using a ZIP code of another city fraud?

Yes. If a policyholder is issued a car insurance policy based on a false address or ZIP code, they could potentially lose their policy or face a fine. It’s important to give an insurer accurate information.

#5 — Are there any military bases in Winston-Salem?

No. The closest military base is in Fayetteville, N.C., which is at least two hours away from Winston-Salem.


Compared to other cities in North Carolina, Winston-Salem has some of the lowest car insurance rates in the state. Combined with the discounts offered by insurers, premiums would further decrease per year.

But why include all the laws, reports, fatality data, and financial strength ratings? The purpose of this guide is to provide facts that will ultimately lead to a sound decision when you shop for car insurance.

In addition to car insurance, you’ll be informed about the laws of Winston-Salem, and you’ll know the risks of driving within the area.

If you’re only interested in how much you can save on car insurance, use our free comparison tool by entering your ZIP code below.



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