Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
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UPDATED: Mar 13, 2020

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Auto Insurance in Winston-Salem, North Carolina [Can’t-Miss Guide]

Winston-Salem City StatisticsDetails
City Population244,605
City Density2,247 people per square mile
Average Cost of Car Insurance in Winston-Salem$2,823.48
Cheapest Car Insurance CompanyLiberty Mutual
Road ConditionsPoor Share: 12%
Mediocre Share: 25%
Fair Share: 25%
Good Share: 38%
Vehicle Operating Costs: $435
Get Your Rates Quote Now

Are you tired of searching multiple sites for hours on end for the perfect car insurance policy that meets both the needs of family and your tight budget?

Maybe you’ve been busy with life. Your kid is sick, it’s always someone’s birthday, a major holiday is coming up, you work a full-time job, your home needs tending, your social life is at an all-time low.

Long story short, it’s safe to say that hunting for car insurance isn’t at the top of your list. It might not even be on your list at all.

In desperation, you just happened to stumble upon this article, and we’re so glad you did.

You see, finding car insurance in Winston-Salem, N.C. has never been easier.

If you have just 15 minutes or less, we promise we can provide you with all the data and information you’ll need in this special guide to find the perfect policy for you.

But how?

We’ve partnered with major car insurance experts including the Insurance Information Institute, the National Highway Traffic Safety Administration, and Data USA to bring you data, statistics, car insurance discounts, and more.

From cheap car insurance costs to road conditions and more, we’ve got it all.

All you have to do is sit back, relax, and read as we take you through this complete guide to car insurance in Winston-Salem. And if you want to know how Winston-Salem car insurance stacks up against the state, we can help you compare against car insurance in North Carolina too.

Are you ready to start comparing rates in your area right now? Use our FREE online quote tool by entering your ZIP code in the box above to get started.

Without further adieu, let’s jump right in.

Table of Contents

Cheap Car Insurance in Winston-Salem

Average Monthly Auto Insurance Premiums Legend: Winston-Salem Allied State Farm Nationwide Allstate 5 10 15 20 25 30 $22 $21 $30 $30

 
Many people decide which car insurance company they’re going to go with based on the cost of the policy.

We’re not going to waste any time, so let’s get right to it.

How much does car insurance in Winston-Salem actually cost?

You see, we can’t tackle that question with just one simple answer. A person’s car insurance rate (or premium) is based on several different factors. Let us explain those below.

Male Versus Female Versus Age

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Allied State Farm Nationwide Allstate 10 20 30 40 50 60 70 80 $22 $69 $21 $62 $30 $36 $30 $86

 
Did you know car insurance companies will often look at a person’s gender when considering their rate?

Your gender, age, and marital status are usually all considered by a car insurance company when you’re searching for an insurance policy.

However, in the state of North Carolina, it is illegal to base a car insurance rate on a person’s gender, even if it only influences the bottom line amount in a small way.

Let’s see what Data USA has to say about the average age in Winston-Salem.

According to Data USA, the average age in Winston-Salem is 35.3 years of age.

This is good news for Winston-Salem drivers. If the average age was right at 24 years old or younger, drivers in this city might be given a higher-than-average rate. This data shows that most drivers in the city are experienced.

Let’s take a look at the table below to see how your age can affect your car insurance rate.

Age35601725Cheapest RateCheapest Age
Average annual rate$2,417.29$2,234.63$4,754.03$2,502.22$2,234.6360
Get Your Rates Quote Now

As you can see, 17-year-old drivers usually end up paying the most for car insurance. This could be because they are fairly new and inexperienced drivers that are more prone to getting into or causing accidents.

At the other end of the spectrum, drivers who are 60 years old usually end up paying the least amount of money for their car insurance policy.

If you drive safely, you save more often.

Cheapest ZIP Codes in Winston-Salem

Auto Insurance by Zip Code Legend: Charlotte Durham Greensboro Raleigh Winston-Salem Allied State Farm Nationwide Allstate 5 10 15 20 25 30 35 $25 $22 $24 $25 $22 $25 $18 $23 $21 $21 $35 $29 $34 $34 $30 $38 $28 $36 $32 $30

 
You might not think that your place of residence has anything to do with your car insurance rate, but think about it like this: If you live in an area that is more susceptible to crime or natural disasters, you are more likely to be considered a higher risk.

Insurance is a game of chance and risk assessment, so if your area of the city is full of crime and tornados, you’re most likely going to pay more for your insurance.

Take a look at the table below. It shows the cheapest ZIP codes in Winston-Salem for car insurance.

ZIP CodeAverage Annual Rate
27105$2,654.09
27103$2,654.84
27101$2,658.64
27109$2,664.81
27104$2,667.20
27106$2,673.69
27127$2,773.71
27110$2,777.40
27107$2,781.36
27157$2,823.48
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Our data shows that there’s about a $220 difference between the ZIP code with the cheapest rate and the ZIP code with the most expensive rate.

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

It’s important to remember that when it comes to car insurance, not all car insurance companies are created equal. But what do we mean by that?

While one company might believe that your driving record should influence your rate more than your credit history, another company might think that your credit history should influence your rate more than your driving record.

To see the big picture, you must step back and consider all of your options. Choose the best rate for you based on your demographic and your strengths and weaknesses. If you have a poor credit score, try finding a company that doesn’t believe your credit score should determine your rate as much as other factors should.

Coming up next, we have even more exclusive information. These factors below are some of the most common and important when determining your ultimate rate.

Cheapest Car Insurance Rates by Company

The table below indicates the car insurance companies that charge the cheapest coverage rates in Winston-Salem.

GroupAverage
Allstate$6,224.04
Geico$2,726.95
Liberty Mutual$1,937.65
Nationwide$2,510.41
Progressive$2,051.02
State Farm$2,582.25
Travelers$2,806.97
Get Your Rates Quote Now

As you can see, Liberty Mutual has the cheapest annual average rate out of all the companies listed above. Allstate has the highest annual rate.

As we said above, make sure you compare rates for different companies based on your own unique demographic.

Best Car Insurance for Commute Rates

According to the Federal Highway Administration’s 2014 Licensed Drivers By State report, North Carolina drivers drove an average of 15,375 miles in the state that year. The table here indicates the average annual premiums Winston-Salem insurers charge based on consumers’ commute rates.

Group10-Mile Commute, 6,000 Annual Miles25-Mile Commute, 12,000 Annual MilesAverage
Allstate$6,224.04$6,224.04$6,224.04
Geico$2,726.95$2,726.95$2,726.95
Liberty Mutual$1,937.65$1,937.65$1,937.65
Nationwide$2,510.40$2,510.40$2,510.40
Progressive$2,051.02$2,051.02$2,051.02
State Farm$2,574.56$2,589.95$2,582.26
Travelers$2,806.97$2,806.97$2,806.97
Get Your Rates Quote Now

Almost every company on this list (except State Farm) charges the same rate for people who drive more than the average driver. Even State Farm only charges about $15 more per year for people who drive more miles per year.

Best Car Insurance for Coverage Level Rates

Did you know that some companies will give you a break on your rates if you choose to purchase more insurance than what is legally required by the state of North Carolina?

For just $20–$40 more per month, you could go from having minimum liability insurance to comprehensive coverage.

Take a look at the table below to see what we mean.

GroupHighLowMediumAverage
Allstate$6,493.28$5,980.89$6,197.96$6,224.04
Geico$2,863.95$2,600.27$2,716.64$2,726.95
Liberty Mutual$2,046.19$1,841.97$1,924.80$1,937.65
Nationwide$2,630.07$2,404.28$2,496.86$2,510.40
Progressive$2,174.80$1,940.88$2,037.38$2,051.02
State Farm$2,706.20$2,472.49$2,568.07$2,582.25
Travelers$2,945.05$2,684.79$2,791.06$2,806.97
Get Your Rates Quote Now

Take a look at Geico’s rates. For just $263 per year, you can have a full coverage car insurance policy. If you can skip the vanilla lattes a couple of times during the week, that’s only $22 more per month.

A comprehensive car insurance policy might cost you a little more money now, but in the long run, it could potentially save you thousands of dollars.

Best Car Insurance for Credit History Rates

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Allied State Farm Nationwide Allstate 5 10 15 20 25 30 $21 $28 $18 $33 $28 $33 $29 $33

 
Did you know that your credit history can affect more than just your interest rates and your mortgage loan approvals?

Car insurance companies can and will use your credit score when putting your car insurance rate together.

GroupFairGoodPoorAverage
Allstate$5,474.35$4,806.26$8,391.51$6,224.04
Geico$2,713.62$2,510.32$2,956.91$2,726.95
Liberty Mutual$1,937.65$1,937.65$1,937.65$1,937.65
Nationwide$2,510.40$2,510.40$2,510.40$2,510.40
Progressive$2,001.94$1,836.23$2,314.89$2,051.02
State Farm$2,319.02$1,802.42$3,625.33$2,582.26
Travelers$2,728.34$2,700.18$2,992.39$2,806.97
Get Your Rates Quote Now

As you may have noticed, having a poor credit history can raise your rate by thousands of dollars.

But why?

Car insurance companies believe that drivers with poor credit are more likely to be high-risk drivers. To sum it up, if you have a good credit score, you’ll most likely save money on your car insurance policy.

Best Car Insurance for Driving Record Rates

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allied State Farm Nationwide Allstate 15 30 45 60 75 90 105 120 $22 $31 $85 $32 $21 $32 $85 $32 $30 $43 $130 $44 $30 $46 $130 $46

 
Probably the most significant factor to affect your car insurance rate is your driving record. This table shows how your rate could change based on your driving record alone in Winston-Salem.

GroupClean RecordWith One AccidentWith One DUIWith One Speeding ViolationAverage
Allstate$3,370.40$5,952.80$11,019.20$4,553.78$6,780.80
Geico$1,514.35$2,210.91$5,133.34$2,049.21$2,952.87
Liberty Mutual$1,158.17$1,483.92$3,624.58$1,483.92$2,088.89
Nationwide$1,481.81$1,912.13$4,735.55$1,912.13$2,709.83
Progressive$971.33$1,412.54$4,453.94$1,366.27$2,279.27
State Farm$1,374.01$1,990.38$4,974.24$1,990.38$2,779.54
Travelers$1,680.44$2,189.93$5,197.09$2,160.42$3,022.49
Get Your Rates Quote Now

Check out Allstate’s rates above. Just getting one DUI can increase your rate by nearly $8,000 a year.

If you’ve been in a car accident, convicted with a DUI, or received a speeding ticket, check Liberty Mutual’s rates as they aren’t as high as some of their competitors.

Car Insurance Factors in Winston-Salem

Still not sure about how much you should actually be paying for car insurance in Winston-Salem?

Before you switch providers, keep reading these useful statistics.

Here’s the 411, coming up next.

Metro Report

Let’s take a look at the growth and prosperity of Winston-Salem in the Brookings Metro Report below.

Growth:

  • Productivity: + 0.8 percent (74 of 100)
  • Standard of living: + 4.8 percent (9 of 100)
  • Average annual wage: + 3.1 percent (53 of 100)

Prosperity:

  • Jobs: + 4.0 percent (3 of 100)
  • Gross Metropolitan Product (GMP): + 3.9 percent (4 of 100)
  • Jobs at young firms: + 4.3 percent (2 of 100)

From 2016–2017, there was an increase in both categories of growth and prosperity in Winston-Salem.

Median Household Income

Have you ever wondered what the average amount of income is in your city? How much of your income is going toward a car insurance policy?

The following information is brought to you by Data USA.

Households in Winston-Salem have an average annual income of $42,219, which is less than the average annual income of $61,937 across the entire United States.

This is in comparison to an average income of $40,898 in 2016, which represents a 3.23 percent annual growth. What does this mean in practical terms for auto insurance premiums?

The average cost of car insurance in Winston-Salem is $2,823.48 per year. This means that 6.9 percent of the average worker’s income is going straight to car insurance premiums.

Does this seem like a high percentage?

You may be interested in knowing how much of your yearly salary is spent on car insurance. Use our free calculator tool below to find out.

CalculatorPro

The best way to get the lowest rate is obviously to shop around and compare rates before you commit. Stick around. Next, we’ll show you some of the best car insurance discounts that you may be eligible for that you might not already know about.

Homeownership in Winston-Salem

Did you know that owning your own home is a great way to save money on your car insurance policy? That’s right — car insurance companies believe that people who own their own homes are more responsible with their money and they are also less likely to be high-risk drivers.

Here are some interesting stats to help you see the big picture.

Data USA says in 2017, 54.5 percent of the housing units in Winston-Salem were occupied by their owner. This percentage grew from the previous year’s rate of 54.1 percent. This percentage of owner occupation is lower than the national average of 63.9 percent.

In 2017, the average property value in Winston-Salem declined to $142,200 from the previous year’s value of $142,400.

Education in Winston-Salem

Let’s take a look at the education statistics in Winston-Salem. The city has several notable universities and colleges in the area. In 2017, universities in Winston-Salem awarded 6,114 degrees.

The student population of Winston-Salem is skewed toward women, with 9,351 male students and 14,448 female students.

According to Data USA, the largest universities in Winston-Salem by the number of degrees awarded are:

The most popular majors in Winston-Salem are:

Other popular majors in Winston-Salem are general psychology and general biological sciences.

The average tuition costs in Winston-Salem are $18,390 for private four-year colleges, and $4,949 and $17,944 respectively, for public four-year colleges for in-state students and out-of-state students.

Wage by Race and Ethnicity in Common Jobs

How does your race/ethnicity affect your salary in Winston-Salem?

Data USA says that in 2017 the highest paid race/ethnicity of North Carolina workers was Asian. These workers were paid 1.19 times more than white workers, who made the second highest salary of any race/ethnicity.

This table shows the race and ethnicity-based wage disparities in the five most common occupations in North Carolina by the number of full-time employees.

EthnicityMiscellaneous ManagersPercentage of Income Going to Car InsuranceDriver/Sales Workers and TruckdriversPercentage of Income Going to Car InsuranceElementary and Middle SchoolteachersPercentage of Income Going to Car InsuranceRetail SalespersonsPercentage of Income Going to Car InsuranceCashiersPercentage of Income Going to Car Insurance
Asian$113,9482.40%$23,85311.80%$29,3649.60%$39,0927.20%$14,44319.50%
White$91,7043%$37,4447.50%$38,5937.30%$30,7039.20%$12,22823.10%
American Indian$66,2734.20%$34,9918%$37,4877.50%$28,31010%$17,66616%
Black$64,1624.30%$39,0437.20%$36,5017.70%$22,09312.80%$12,46322.70%
Two or More Races$92,7593%$31,1709%$40,8026.90%$19,27014.60%$8,30134%
Other Native American$40,6336.90%$45,5146.20%$41,0536.90%N/AN/A$12,02623.50%
Other$56,1195%$31,9458.80%$38,3597.30%$20,02214.10%$11,73924%
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It’s shocking to see so many different salaries according to ethnicity for the same exact job. While an Asian manager can make as much as $113,000, a Native American manager makes about $40,000 on average.

Some employees can spend up to 24 percent of their yearly income on car insurance alone, while others pay less than 3 percent.

Wage by Gender in Common Jobs

How does your gender affect your salary in Winston-Salem?

According to Data USA, in 2017, full-time male employees in North Carolina made 1.34 times more than female employees.

  • Winston-Salem female average salary – $44,729
  • Winston-Salem male average salary – $59,982

That’s more than a $15,000 wage gap between genders. Even if male and female employees hold the exact same job title, the statistics reveal that male workers will still bring home a higher personal income.

Let us remind you that the average annual cost of car insurance in Winston-Salem is $2,823.48.

This means that while women are paying out about 6.3 percent of their annual income to cover the cost of car insurance premiums, men are paying out 4.7 percent of their total yearly earnings for coverage.

Poverty by Age and Gender

Over 20 percent of the population for whom poverty status is determined in Winston-Salem (53,700 out of 231,000 people) live below the poverty line, a number that’s higher than the national average of 13.1 percent.

The largest demographic living in poverty are females 2–34, followed by females 18–24 and then females 6–11.

Poverty by Race and Ethnicity

The most common racial or ethnic group living below the poverty line in Winston-Salem is black, followed by white and Hispanic.

The U.S. Census Bureau uses a set of money income thresholds that vary by family size and composition to determine who classifies as impoverished. If a family’s total income is less than the family’s threshold than that family and every individual in it is considered to be living in poverty.

Employment by Occupations

From 2016 to 2017, employment in Winston-Salem grew at a rate of 1.29 percent, from roughly 105,000 employees to 106,000 employees.

The most common job groups by the number of people living in Winston-Salem are:

  • Office and administrative support – 13,067 people
  • Sales and related occupations – 10,713 people
  • Management – 10,360 people

The highest paid jobs held by residents of Winston-Salem by average earnings are architecture and engineering occupations ($70,960), computer and mathematical occupations ($67,372), and health diagnosing and treating practitioners and other technical occupations ($64,038).

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Driving in Winston-Salem

Whether you enjoy driving or you don’t, sometimes just trying to scoot around town can be a huge challenge. It doesn’t matter if it’s a traffic jam, an accident, or road construction — it’s always smart to know the best way around a city so that you can maximize your gas mileage while saving time and money.

Keep scrolling for your complete guide to the best driving routes in Winston-Salem.

Roads in Winston-Salem

In this next section, we’ll discuss popular sites and things to do in the Winston-Salem area, toll roads, major highways, and more.

Stay tuned as we bring you this important information up next.

Major Highways

North Carolina has 19 active routes running through the state, comprising a total of 1,497.58 miles of roadway. These active interstates include: I-26, I-40, I-42, I-73, I-74, I-77, I-85, I-87, I-95, I-140, I-240, I-440, I-540, I-840, I-274, I-277, I-285, I-485, I-587, I-785, I-885, I-295, I-495, I-795.

As you can see from the map below, Interstates 40 and 74 run east and west through the city of Winston-Salem and Interstate 67 runs north and south through the city.

Map of Winston-Salem

The Triangle Expressway is the toll road in North Carolina. The Triangle Expressway consists of two parts: the Triangle Parkway and the Western Wake Freeway. The Triangle Parkway extends from NC 147 in Durham County to NC 540 in Morrisville in Wake County.

The Western Wake Freeway continues along to Holly Springs. You can’t use cash to pay tolls. You either need to install a tag in your car to use the NC Quick Pass, or you can pay using Bill by Mail.

Toll rates differ for each mainline and ramps depending on vehicle type, the number of axles and mode of payment (NC Quick Pass/Bill by Mail).

NC Quick Pass, like E-ZPass on the East Coast toll roads, is an electronic tag that you can install in your windshield to zoom through electronic toll gantries. NC Quick Pass customers receive a discounted toll rate.

The North Carolina toll calculator can help you calculate tolls and gas expenses for cars, trucks, trailers, buses, RVs, and motorcycles for the Triangle Expressway.

Popular Road Trips/Sites

Are you looking for road trip ideas or just a few fun things to do this weekend? Whether you’re from Winston-Salem or you’re just visiting for a short while, there’s no shortage of things to do in this unique city.

The following information is brought to you by Trip Advisor.

  • Katharine Brasserie and Bar – Effortlessly comfortable, genuinely hospitable, and beautifully open, The Katharine interprets a classic brasserie through the lens of modern-day Winston-Salem. Located in the historic, former R.J. Reynolds Building and named for the family’s matriarch, The Katharine puts a modern polish on art deco design and welcomes with a warm, lively spirit.
  • Old Salem Museums and Gardens – One of America’s most comprehensive historical attractions. The museums, the historic town of Salem, and the Museum of Early Southern Decorative Arts (MESDA), along with award-winning heirloom gardens, engage visitors in an educational and memorable historical experience about those who lived and worked in the early South.
  • BB&T Ballpark – Watch some minor league baseball and chill with your friends or enjoy the outfield area with the bar and the grassy area. This is a great family event and children are always welcome.
  • SciWorks – SciWorks is fun for all ages — Adults and children will enjoy the activities here. If you’re looking for a birthday party venue, check their options. They’re normally closed on Mondays except during the summer. Activities and admission costs are less if you’re a member.
  • Drink Winston-Salem Brewery Tours – Drink beer and learn about what the Camel City has to offer! It offers a historical walking tour stopping at three local breweries. You’ll enjoy some of the city’s local beers, learn about the history of the city, and get acquainted with the downtown area.

Road Conditions

According to the Winston-Salem Business 40, the first section of interstate highway in North Carolina, Business 40 through downtown Winston-Salem, has been durable and required little maintenance, but it can no longer accommodate the growing traffic demands of the area.

Improvements will modernize this vital stretch of interstate and create a safer, longer-lasting roadway for the future.

Let’s take a look at the road conditions in Winston-Salem in the table below.

Poor
Share
Mediocre
Share
Fair
Share
Good
Share
Vehicle Operating
Costs (VOC)
12%25%25%38%$435
Get Your Rates Quote Now

As you can see, the vehicle operating costs are about $435.

Does your city use red-light or speeding cameras?

The Insurance Institute for Highway Safety says red-light cameras are an effective way to discourage red-light running. Enforcement is the best way to get people to comply with any law, but it’s impossible for police to be at every intersection.

North Carolina has no state law or programs regarding speeding cameras. The only areas with red-light cameras in North Carolina are Wilmington, Raleigh, and Knightdale.

Vehicles in Winston-Salem

In this next section, we’ll cover popular vehicles owned in the Winston-Salem area, car ownership statistics, speed traps, and crime.

Keep reading for more exclusive information on vehicle ownership and car insurance in Winston-Salem.

Most Popular Vehicles Owned

According to an article by Your Mechanic, the most popular vehicle owned in Greensboro (a city that’s only about 25 miles away from Winston-Salem) is the Jeep Grand Cherokee.

The 2020 Jeep Grand Cherokee received a five-star overall safety rating by the NHTSA.

The newer Cherokee models get 19 miles per gallon in the city and about 26 miles per gallon on the highway. The towing capacity is 3,500–7,200 pounds.

How many cars per household?

Have you ever wondered how many cars your neighbors own?

Data USA says that the average household in Winston-Salem owns two cars. A large portion of households only own one car.

Households Without a Car

Even though many households in Winston-Salem own at least two cars, some households don’t own a car at all.

Take a look at this table below.

2015 Households
Without Vehicles
2016 Households
Without Vehicles
2015 Vehicles
Per Household
2016 Vehicles
Per Household
11.30%9.90%1.631.68
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As you can see, the number of households without a car decreased from 2015 to 2016 from 11.3 percent to 9.9 percent and the number of vehicles per household also increased from 1.63 to 1.68.

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Speed Traps in Your City

What is the definition of a speed trap?

Have you ever been driving on the highway and speeding, and as you pass a ditch or a forested area alongside the highway, a law enforcement officer pulls out of the hidden area and pulls you over?

Before you know it, you’re given a speeding ticket, and you wish you had seen the speed trap.

Unfortunately for Winston-Salem drivers, Winston-Salem is ranked as the third-worst city for speed traps in North Carolina.

To avoid becoming the victim of one of these speed traps, travel at the posted speed limit at all times. Don’t follow the speed of traffic even if they are going faster than the legal limit.

Vehicle Theft in Winston-Salem

Have you ever wondered how safe your vehicle is from theft in your city?

The safest neighborhoods in Winston-Salem, per Neighborhood Scout, are as follows:

  1. Mount Tabor
  2. Robinhood Road/Meadowlark Drive
  3. Reynolda Road/Transou Road
  4. North Peace Haven Road/Archer Road
  5. North Peace Haven Road/Commonwealth Drive
  6. West Highlands
  7. Fosterdale Lane/Blue Stone Lane
  8. Buena Vista
  9. Westview
  10. Valley View

Neighborhood Scout also revealed that your chances of becoming a victim of violent crime are about 5.86 per 1,000 residents. This is higher than the statewide figure, which puts residents at a 3.78 per 1,000 chance of being a victim of violent crime.

Neighborhood Scout ranks cities for crime from 1–100. The city of Winston-Salem is number eight in its crime index, with 100 being the absolute safest. It also says the city of Winston-Salem is only eight percent safer than other U.S. cities.

Below are Winston-Salem’s annual number of crimes for the year 2017.

Winston-Salem Annual CrimesViolentPropertyTotal
Number of crimes1,4438,0979,540
Crime rate
(per 1,000 residents)
5.8632.8738.73
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Note that Neighborhood Scout didn’t report Winston-Salem’s violent crime statistics for 2017.

Traffic

Now that we’ve looked at crime stats, popular vehicles owned in the city of Winston-Salem, and car ownership, it’s time to go over traffic stats.

Are you ready? Buckle up as we get started.

Traffic Congestion in North Carolina

No one likes to be stuck in traffic.

The TomTom Traffic Index provides drivers, city planners, auto manufacturers and policymakers with statistics and information about congestion levels in 403 cities across 56 countries on six continents. According to TomTom, Winston-Salem is the 397th most traffic-congested city in the world.

Traffic congestion is a condition on road networks that occurs as use increases, and is characterized by slower speeds, longer trip times, and increased vehicular queueing. The most common example is the physical use of roads by vehicles.

The congestion level is usually about 10 percent in the city; highways are usually 4 percent congested while non-highways are usually 16 percent congested.

Transportation

We know that traffic isn’t terrible in the city of Winston-Salem, but how long does the average driver spend on during their commute every day?

Data USA says that by using averages, employees in Winston-Salem have a shorter commute time (19.6 minutes) than the normal U.S. worker (25.1 minutes). Additionally, 1.85 percent of the workforce in Winston-Salem have super commutes of more than 90 minutes.

What types of transportation are used the most in the city?

In 2017, the most common method of travel for workers in Winston-Salem was to drive alone (82.9 percent), followed by those who carpooled (7.48 percent) and those who worked at home (4.61 percent).

Busiest Highways

The North Carolina Department of Transportation is building a multi-lane freeway that loops around the northern part of Winston-Salem.

The 34.5-mile Winston-Salem Northern Beltway will begin at U.S. 158 southwest of Winston-Salem and end at I-74/U.S. 311 southeast of the city.

About 100,000 vehicles and trucks travel through the area every day, which is more traffic than the roadways in the area are designed to handle. The Winston-Salem Northern Beltway will help alleviate congestion and improve safety along heavily traveled routes in Forsyth County, including U.S. 421/Business 40 and U.S. 52.

How safe are Winston-Salem streets and roads?

What factors can make a road unsafe? What causes major accidents and fatal crashes?

In this next section, we discuss major factors that cause fatal crashes in Winston-Salem. The NHTSA’s 2018 study reported the safety conditions and fatal crashes in Forsyth County from 2014–2018.

First, let’s take a look at the total number of fatal crashes in Forsyth County from 2014–2018.

CountyFatalities
2014
2015201620172018Fatalities per 100,000 Population
2014
2015201620172018
Forsyth34404242459.3310.8911.3211.1811.87
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From 2014–2018, there were 203 fatal crashes in Forsyth County.

Next up, take a look at the fatalities in Forsyth County crashes from 2014–2018 involving alcohol-impaired drivers with BAC levels of .08 above.

CountyFatalities
2014
2015201620172018Fatalities per 100,000 Population
2014
2015201620172018
Forsyth12101613163.292.724.313.464.22
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In 2018, 16 people were killed by alcohol-impaired drivers.

Here are the total single-vehicle fatality crashes in Forsyth County from 2014–2018.

CountyFatalities
2014
2015201620172018Fatalities per 100,000 Population
2014
2015201620172018
Forsyth20171723225.494.634.586.125.8
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Ninety-nine people died from single-vehicle crashes from the years 2014–2018.

The table below reveals fatalities from 2014–2018. These crashes involved speeding, roadway departures, and intersections (or intersection related) in Forsyth County alone.

Crash TypeFatalities
2014
2015201620172018Fatalities per 100,000 Population
2014
2015201620172018
Involving a roadway departure22202521216.045.446.745.595.54
Speeding12101411143.292.723.772.933.69
Involving an intersection4109741.12.722.421.861.06
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Between these three categories listed above, fatal crashes happened the most when they involved a roadway departure.

The table below illustrates the total fatalities in Forsyth County by person type.

Person TypeFatalities
2014
2015201620172018Fatalities per 100,000 Population
2014
2015201620172018
Passenger17131817204.663.544.854.525.28
Pedestrian4866121.12.181.621.63.17
Pedal cyclist0000000000
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From 2014–2018, there were no crashes involving pedal cyclists, 36 crashes involving pedestrians, and 85 crashes involving passenger occupants.

Check out the table below, indicating the NHTSA’s data regarding highways in the state of North Carolina with the most fatal crashes. Note how fatalities in your state vary based on the road type involved in the collision.

North Carolina Road TypeFatal Crashes
Rural57
Urban66
Freeway and expressway48
Other634
Minor arterial118
Collector arterial131
Local266
Unknown1
Total fatal crashes1,321
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As you may have noted from the data above, the most significant proportion of fatal crashes in North Carolina take place on roads categorized as Other, with the second-highest fatality collisions occurring on local roads.

It’s also important to be aware of accidents that happen on railroads in your city. The U.S. Department of Transportation accumulated data indicating the fatalities and injuries in Winston-Salem due to highway and railroad crashes in recent years, as listed in the table below.

Calendar YearCityCountyHighwayHighway User TypeRail Equipment TypeNon-Suicide FatalityNon-Suicide Injury
2015Winston-SalemForsyth3rd StreetAutomobileFreight Train00
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According to this table above, there weren’t any railroad accidents in Winston-Salem in 2015.

Allstate America’s Best Drivers Report

Have you ever wondered how drivers in your city compare to other drivers across the country? According to data collected from Allstate’s Best Drivers in America Report, Winston-Salem is the 28th safest city to drive in the country as of 2019.

In Winston-Salem, the likelihood of a claim being made as compared to the national average is -1.10 percent. Residents of Winston-Salem typically have an average of 10.1 years between claims.

Ten years is a long time to go without getting into an accident or filing a claim, so this is good news for Winston-Salem drivers.

Ridesharing

What ridesharing services are available in Winston-Salem?

According to RideGuru, the following ridesharing services are available in Winston-Salem:

  • Blacklane: When you order a Blacklane car, a luxury vehicle with seating for one to five people will pick you up.
  • Lyft
  • Taxis
  • Uber

E-star Repair Shops

Are you in need of some vehicle repairs? An E-star repair shop could help solve all your vehicle problems. E-star is an Esurance-sponsored program that helps drivers find the best repair shops in their area.

Check out the top two repair shops in Winston-Salem according to E-star.

Shop NameAddressContact Information
Carolinas Collision Centers at North Point7600 Phoenix Dr.
Winston-Salem, NC 27106
email: joneal@northpointcjd.com
P: (336) 759-2993
F: (336) 759-3375
Vann York Paint & Body2617 N. Main St.
High Point, NC 27265
email: phuffman@vannyorkauto.com
P: (336) 841-6464
F: (336) 841-8388
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Weather

What’s the weather usually like in Winston-Salem? The table below indicates U.S. Climate Data’s stats for typical temperatures in the city.

Winston-Salem, North Carolina, WeatherDetails
Annual high temperature69.7°
Annual low temperature49.4°
Average temperature55.6°
Average annual precipitation (rainfall)46.93 Inches
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Temperatures in Winston-Salem generally range from 49.9 degrees to 69 degrees.

But speaking of weather, how prone is the city to natural disasters?

The propensity of natural disasters in your area could drastically affect your car insurance rate.

According to City-Data, Forsyth County has experienced 13 total natural disasters, which is the same as the nationwide average of 13. A total of seven natural disasters in Forsyth County were declared by the President as major disasters, while the remaining six were declared to be emergencies.

The causes of these natural disasters were as follows:

  • Hurricanes – Six
  • Droughts – Two
  • Blizzard – One
  • Flood – One
  • Freeze – One
  • Ice storm – One
  • Snowfall – One
  • Storm – One
  • Tornado – One
  • Winter storm – One

Note, that some natural disasters may fall into more than one category noted above.

Since you now know that Winston-Salem is prone to some strong storms, it’s also important to know how to protect your vehicle if it is damaged in the event of a natural disaster.

A comprehensive car insurance policy exists to protect your vehicle when it is damaged by fire, hail, rain, a tornado, a hurricane, ice, or whatever act of God that you can think of.

Comprehensive coverage could cost you a few hundred dollars more per year, but if you can afford it now, it could save you thousands of dollars in the long run.

Public Transit

The Winston-Salem Transit Authority (WSTA) is Winston-Salem’s public transit service.

These are the WSTA’s public transportation services available:

  • Bike and Ride
  • Half Price Program
  • Guaranteed Ride Program
  • Park and Ride Program
  • Step Program
  • Mobility Management
  • Travel Training

You can find routes, schedules, and trip planning information for the city of Winston-Salem here.

Elderly and disabled passengers may qualify for half-fare bus passes for fixed-route transportation. To request an application, contact WSTA at (336) 727-2000. Following approval of your application for the half-fare bus program, you’ll be provided with a temporary Half-Fare ID card.

You may take a photograph for your permanent Half-Fare ID card Tuesday–Thursday from 1:30 –4:30 p.m. on the second floor of the Clark Campbell Transportation Center in the Mobility Management Office.

Purchase and use of discount passes require you to present either a free WSTA-issued identification card, a Medicare (red, white and blue) card, or a Senior Citizens card issued by the City of Winston-Salem. One of these must be presented as proper documentation when you board the bus.

An ID card from another transit system showing you’re eligible for half-fare is accepted for 30 days; before it expires, you must complete a WSTA Half-Fare Bus Services Application.

Alternative Transportation

Have you ever ridden an electric scooter?

According to the Winston-Salem Journal, dockless electric scooters for rent can only be used between the hours of 6 a.m. and 9 p.m. and only by those 16 and older, under an ordinance the city council adopted in March 2019 by the Winston-Salem City Council. Other provisions in the ordinance include:

  • Scooters cannot be used on sidewalks, on greenways, in Old Salem or in public parks.
  • Scooters are considered vehicles and must obey stoplights, stop signs and all other traffic laws.
  • Scooters must yield to pedestrians in the public right-of-way.
  • Scooters cannot be left where they will block sidewalks, driveways or curbside parking.

Scooter users are encouraged to wear helmets.

Rental rates are set by the scooter companies and aren’t subject to city review. Companies are responsible for maintaining their equipment and responding to customer complaints.

Parking in Metro Areas

On-street parking in Winston-Salem is available for short-term parking needs. Pay station parking is available in some areas, mainly downtown.

There are 800 metered on-street spaces, plus loading zones and unmetered on-street spaces. Metered parking time limits range from 30 minutes to 10 hours. Most meters allow one- to two-hour parking. Regular meters accept only quarters.

To find parking rates, please visit www.cityofws.org.

Are you looking for a place in the city to charge your electric car?

According to ChargeHub, the city of Winston-Salem in North Carolina has 16 public charging station ports (level two and level three) within 15 kilometers. Nearly 90 percent of the ports are level two charging ports and 38 percent of the ports offer free charges for your electric car.

The two main charging networks in operation are ChargePoint and Tesla. You can find out more about the charging networks (policies, pricing and registration information) by visiting ChargeHub’s networks section.

Air Quality in Winston-Salem

Back in the day, cars used to give off a lot of harmful toxins, making the air less than safe to breathe. Even though we don’t have this problem as much as we used to because vehicles are made to be safer and much more efficient, it’s still important to know how clean your city’s air is.

The following table indicates the air quality in Winston-Salem based on the Environmental Protection Agency’s reports from 2017, 2018, and 2019.

Winston-Salem Air Quality Index201720182019
Days with AQI365365304
Good Days256233188
Days Moderate109130116
Days Unhealthy for Sensitive Groups020
Days Unhealthy000
Days Very Unhealthy000
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As you can see, over the last three years, there were zero unhealthy days in the city of Winston-Salem, so you know that the air is very clean.

Military/Veterans

If you’re on active duty in the military or you’re retired from the military, you may qualify for several car insurance discounts with your provider.

Before we get into discounts, let’s discuss military statistics in Winston-Salem concerning veterans by service period, military bases in the area, and much more.

According to Data USA, Winston-Salem has a large population of military personnel who served in Vietnam, 2.03 times greater than any other conflict.

This study found that the most common veteran service period was the Vietnam war, with 4,461 of military personnel residing in Winston-Salem having served in that conflict.

The second Gulf War was the second most common service period, with 2,197 residents having served in the conflict. Military personnel who served in the first Gulf War were the third most common service period, with 2,001 residents having served in that conflict.

Are you thinking about moving to North Carolina and joining the military?

The following eight military bases are located in the state of North Carolina:

  • Fayetteville, North Carolina Military Bases
  • Fort Bragg
  • Jacksonville North Carolina Military Bases
  • Marine Corps Air Station Cherry Point
  • Marine Corps Air Station New River
  • Marine Corps Base Camp Lejeune
  • Pope Field
  • Seymour Johnson Air Force Base

As a thank you to military members both active and retired, car insurance companies will often give a hefty discount to the men, women, and families of veterans who serve the U.S. Armed Forces.

The table below shows the top known providers currently offering military discounts.

InsurerPercentage Saved With Discount
AllstateN/A
FarmersN/A
Geico (may be active or retired)15%
Liberty Mutual (must be active duty)4%
MetLife15% (could vary based on years of service)
Safeco (may be active or retired)N/A
USAA (policyholder, spouse, or parents must be active or retired military to secure policy)N/A
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USAA also offers discounts for military garages to hold vehicles on base.

Not every company openly releases the total percentage insureds can save with a military discount, which is why some of the carriers listed above are marked “N/A” in the percentage category. These companies still offer military discounts, you just need to make a call to find out how much the discount actually is.

Unique Winston-Salem Laws

Before we let you go, here are some unique driving laws you might need to know about if you live in or are visiting the city of Winston-Salem.

Is there a hands-free law in Winston-Salem?

While it’s illegal to text and drive anywhere in the state of North Carolina, cellphone use is allowed for drivers who are over the age of 18.

Do you want to open a food truck? See below for Winston-Salem’s food truck regulations.

According to the city of Winston-Salem, a permit is required to operate a vehicle, other than a pushcart, from which prepared food, drink, or fresh fruit is made.

To fill out a mobile food truck application, please visit www.cityofws.org.

Are you interested in living in a tiny home? According to Winston-Salem city law, there’s a limit to how tiny a house can be. The smallest residential lots available in the city are 7,000 square feet in a single-family setting.

Although there’s a desire to build tiny homes in Winston-Salem neighborhoods, the Winston-Salem City Council is still deciding on specific tiny home laws.

Here are Winston-Salem’s parking laws:

The City DOT is responsible for the enforcement of parking regulations in the downtown area. Parking fines vary, depending on the type of violation:

  • Time violations – $10
  • No-parking space – $30
  • Loading zone violations – $30

If a vehicle owner has three unpaid parking tickets each over 90 days old and is found to be parked illegally, the vehicle will be wheel-locked.

To have a wheel-lock removed, the owner of the vehicle must pay all outstanding fines and wheel-lock fees at the Revenue Office.

Contact the City DOT office at (336) 727-2707 with any parking enforcement questions.

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Winston-Salem Car Insurance FAQs

In case we missed anything, you can check these car insurance FAQs below.

What car insurance is required?

Nolo says if you’re buying car insurance in North Carolina, the law requires you to have the following minimum amounts of liability car insurance coverage:

  • $30,000 for bodily injury liability per person injured in an accident you cause
  • $60,000 for total bodily injury liability when two or more people are injured in an accident you cause
  • $25,000 for property damage per accident you cause

This basic coverage pays for medical bills, vehicle damage, and other costs of drivers, passengers, and pedestrians who incur losses stemming from a car accident you cause, up to coverage limits.

What do I do if I get into a car accident in Winston-Salem?

North Carolina is an at-fault state when it comes to financial responsibility for injuries, vehicle damage, and other losses stemming from a car accident. After you get into a car accident, you’ll need to file a claim with your insurance company.

In North Carolina, a person who suffers losses due to a traffic accident usually can proceed in one of three ways:

  • by filing a claim with his or her own insurance company, assuming that the loss is covered under the policy (in this situation, the insurance company will likely turn around and pursue a subrogation claim against the at-fault driver’s insurance company)
  • by filing a third-party claim directly with the at-fault driver’s insurance carrier
  • by filing a personal injury lawsuit in civil court against the at-fault driver

What are the penalties for driving without car insurance in North Carolina?

If you’re charged with driving without the required auto insurance, the penalty you could face will depend on the number of times you have been convicted of this offense. Here are some potential punishments:

  • First offense – You will have to pay a $50 civil penalty, $50 reinstatement fee, and could be sentenced to probation for up to 45 days. Your registration and license plates could also be suspended for 30 days.
  • Second offense – The civil penalty is increased to $100. The judge could also sentence you to jail or probation for up to 45 days. The other penalties are the same as those for a first offense.
  • Third offense – The civil penalty for a third and subsequent violation increases to $150. All other penalties are the same as for a second offense conviction.

What is the cost of living like in Winston-Salem?

According to a study by Sperling’s Best Places, the cost of living in Winston-Salem is below the national average. Sperling rated the cost of living at 81.3. A figure below 100 indicates that a city is cheaper than the U.S. average, while a number exceeding 100 reveals that the city is more expensive. The median home price in Hollywood, Fla. is $134,900.

What is the crime rate in Winston-Salem?

According to Neighborhood Scout, with a crime rate of 44 per 1,000 residents, Winston-Salem has one of the highest crime rates in America compared to all communities of all sizes — from the smallest towns to the very largest cities. One’s chance of becoming a victim of either violent or property crime here is one in 23.

Now that you’ve learned all you need to know about car insurance in Winston-Salem, it’s time to start comparing rates on your own. Use our free tool by entering your ZIP code in this box below to get started.

Happy shopping.

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