Car Insurance Cost in Winston-Salem, NC (2025 Rates)

We take over 150 popular vehicles and rank them by which models have the cheapest car insurance quotes in Winston-Salem, North Carolina.

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How much does car insurance cost in Winston-Salem?

In Winston-Salem, the average cost of car insurance is $1,712 per year, which is 25.9% less than the overall U.S. national average rate of $2,221. Per month, Winston-Salem drivers can expect to pay an average of $143 for a policy that provides full coverage.

In the state of North Carolina, the average cost of car insurance is $1,822 per year, so the average cost in Winston-Salem is $110 less per year. The cost of car insurance in Winston-Salem compared to other North Carolina cities is $94 per year less than in Greensboro, $254 per year less than in Charlotte, and $112 per year cheaper than in Raleigh.

The age of the rated driver influences the price of car insurance. The list below illustrates this point by breaking down average car insurance rates based on the age of the driver.

Average cost of car insurance in Winston-Salem, NC, by driver age

  • 16-year-old driver – $6,095 per year or $508 per month
  • 17-year-old driver – $5,907 per year or $492 per month
  • 18-year-old driver – $5,293 per year or $441 per month
  • 19-year-old driver – $4,820 per year or $402 per month
  • 20-year-old driver – $3,442 per year or $287 per month
  • 30-year-old driver – $1,826 per year or $152 per month
  • 40-year-old driver – $1,712 per year or $143 per month
  • 50-year-old driver – $1,518 per year or $127 per month
  • 60-year-old driver – $1,420 per year or $118 per month

The next chart shows average Winston-Salem car insurance rates for 2024 model year vehicles not only for different driver ages, but also for different comprehensive and collision deductibles.

Average full-coverage car insurance premium in Winston Salem, NC for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Winston Salem, NC for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Winston Salem, NC Zip Codes.

Average Car Insurance Cost in Winston Salem, NC
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$2,914$243
$500$3,442$287
$250$4,002$334
30$1,000$1,530$128
$500$1,826$152
$250$2,132$178
40$1,000$1,440$120
$500$1,712$143
$250$1,996$166
50$1,000$1,282$107
$500$1,518$127
$250$1,762$147
60$1,000$1,202$100
$500$1,420$118
$250$1,650$138

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Winston Salem, NC Zip Codes. Updated June 27, 2025

The average cost of auto insurance per month in Winston Salem is $143, with policy prices ranging from $100 to $334 for the driver ages and deductible levels shown in the chart above.

Winston-Salem auto insurance rates can have a very wide price range and are impacted by a lot of factors. The likelihood of significant rate variability reinforces the need for accurate car insurance quotes when shopping online for the cheapest car insurance coverage.

The auto insurance rates discussed up to this point are averaged for every 2024 model year vehicle, which is helpful when making broad comparisons like between locations or by driver risk profile. For more in-depth car insurance rate comparisons, however, the cost data will be more precise if we instead use rates for the specific make and model of vehicle being insured.

Later in this article, we compare all kinds of car insurance rates for all different kinds of vehicles, but for now, we will just use the more popular vehicles to discover how auto insurance rates measure up in Winston-Salem.

The following chart details average insurance rates for some of the more popular vehicles that you will find driving around Winston-Salem. Later, we’ll explore the cost of insurance for a few of these models in much more detail.

Average cost to insure popular 2024 model year vehicles in Winston Salem.
Figure 2: Average cost to insure popular 2024 model year vehicles in Winston Salem. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Winston Salem Zip Codes.

Winston-Salem, NC, Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Honda CR-V$1,460$122
Honda HR-V$1,490$124
Nissan Rogue$1,538$128
Ford Explorer$1,554$130
Ford Escape$1,560$130
Nissan Sentra$1,566$131
Toyota RAV4$1,578$132
Hyundai Tucson$1,592$133
Ford Ranger$1,636$136
Honda Pilot$1,666$139
Toyota Corolla$1,668$139
Jeep Grand Cherokee$1,712$143
Toyota Tacoma$1,732$144
Hyundai Santa Fe$1,740$145
Toyota Camry$1,840$153
Ford Mustang$1,882$157
GMC Sierra$1,888$157
Chevrolet Silverado$1,892$158
Ford Bronco$1,896$158
Ford F150$1,916$160
Jeep Wrangler$1,954$163
Ram Truck$1,980$165
Chevrolet Corvette$2,370$198

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Winston Salem, NC Zip Codes. Updated June 27, 2025

The most popular vehicle models in Winston-Salem tend to be compact or midsize cars like the Honda Civic and Kia K5 and small or midsize SUVs like the Honda CR-V, Toyota RAV4, and Subaru Outback.

Other popular models from other vehicle segments include luxury models like the BMW 530i, Cadillac XT5, and BMW X5 and sports cars like the Audi TT, Nissan GT-R, and Chevy Corvette.

We will explore more car insurance rates in a little bit, but before we do that, let’s rehash the comparisons and key concepts that we covered up to this point.

  • Low deductibles cost more than high deductibles – A 50-year-old driver pays an average of $714 more per year for a policy with $250 deductibles versus $1,000 deductibles.
  • Teen female drivers pay lower rates than teen males – Teen females (age 16 to 19) pay $745 to $402 less each year than male drivers of the same age.
  • Winston-Salem, NC, car insurance costs less than the U.S. average – $1,712 (Winston Salem average) versus $2,221 (U.S. average)
  • Cost per month ranges from $118 to $508 – That is the average auto insurance price range for drivers age 16 to 60 in Winston Salem.
  • Winston-Salem auto insurance prices are cheaper than the North Carolina state average – $1,712 (Winston-Salem average) versus $1,822 (North Carolina average)
  • Insurance rates decline considerably between ages 20 and 30 – The average 30-year-old Winston-Salem, North Carolina, driver will pay $1,616 less annually than a 20-year-old driver, $1,826 compared to $3,442.

Which vehicles have cheap insurance in Winston-Salem?

The models with the cheapest average auto insurance rates in Winston-Salem, NC, tend to be small SUVs and crossovers like the Subaru Crosstrek, Chevrolet Trailblazer, and Nissan Kicks.

Average car insurance rates for those small SUVs cost $1,388 or less per year, or $116 per month, for full coverage.

Additional vehicles that rank very well in the cost comparison table are the Subaru Outback, Acura RDX, Volkswagen Tiguan, and Kia Niro.

Average insurance cost is a few dollars per month higher for those models than the crossovers and small SUVs at the top of the list, but they still have an average cost of $124 or less per month in Winston-Salem.

The table below ranks the 20 cars, trucks, and SUVs with the cheapest insurance rates in Winston-Salem, sorted by annual and monthly insurance cost.

Cheapest Car Insurance Rates in Winston-Salem
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,264$105
2Chevrolet Trailblazer$1,286$107
3Kia Soul$1,336$111
4Nissan Kicks$1,348$112
5Honda Passport$1,364$114
6Buick Envision$1,372$114
7Toyota Corolla Cross$1,380$115
8Hyundai Venue$1,388$116
9Mazda CX-5$1,398$117
10Ford Bronco Sport$1,402$117
11Volkswagen Tiguan$1,418$118
12Acura RDX$1,432$119
13Nissan Murano$1,438$120
14Buick Encore$1,454$121
15Subaru Outback$1,458$122
16Honda CR-V$1,460$122
17Buick Envista$1,462$122
18Volkswagen Taos$1,466$122
19Kia Niro$1,474$123
20Toyota GR Corolla$1,488$124

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Winston Salem, NC Zip Codes. Updated June 27, 2025

Top 20 cheapest vehicles to insure in Winston Salem, NC with the Subaru Crosstrek ranking first at $1,264 per year
Top 20 cheapest vehicles to insure in Winston Salem, NC with the Subaru Crosstrek ranking first at $1,264 per year

A list of 20 of the cheapest vehicles to insure in Winston-Salem doesn’t really provide a comprehensive summary of car insurance rates. But considering we track over 700 vehicles, a lot of models get left out. Let’s dig deeper into the data and list the most affordable vehicles in a format that is more usable, by vehicle segment.

This next section goes into detail about average auto insurance cost by vehicle segment. The average rates shown should give a better idea of the automotive segments that have the overall least expensive average car insurance rates. Then the following six sections display the vehicles with the cheapest insurance rates in the more popular segments.

Car insurance rates by vehicle segment

If you’re shopping for a new or used vehicle, it’s useful to have an idea of which types of vehicles have more affordable auto insurance rates in Winston-Salem. To illustrate this, you may be wondering if midsize cars cost less to insure than midsize SUVs or if luxury models have more expensive car insurance than regular vehicles.

The chart below displays the average cost of auto insurance rates in Winston-Salem for different vehicle segments. From a segment comparison perspective, small SUVs, vans, and midsize pickups have the cheapest rates, while exotic models have the highest average insurance cost.

Car insurance average cost by automotive segment in Winston Salem, NC.
Figure 3: Car insurance average cost by automotive segment in Winston Salem, NC. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Winston Salem Zip Codes.

Car Insurance Rates by Automotive Segment in Winston Salem, NC
Automotive Segment Annual Premium Cost Per Month
Compact SUV$1,576$131
Midsize SUV$1,690$141
Compact Car$1,690$141
Minivan$1,696$141
Midsize Pickup$1,730$144
Midsize Car$1,746$146
Compact Luxury SUV$1,856$155
Compact Luxury Car$1,882$157
Large SUV$1,888$157
Half-ton Pickup$1,898$158
Heavy Duty Pickup$1,968$164
Midsize Luxury SUV$2,032$169
Midsize Luxury Car$2,098$175
Sports Car$2,352$196
Large Car$2,462$205
Large Luxury SUV$2,648$221
Large Luxury Car$2,736$228

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Winston Salem, NC Zip Codes. Updated June 27, 2025

Rates by different vehicle segments are good enough for getting a ballpark comparison, but rates vary substantially within each segment listed in the previous chart.

For example, in the small car segment, average Winston-Salem car insurance rates range from the Toyota GR Corolla costing $1,488 per year for full coverage insurance up to the Toyota Mirai costing $2,128 per year.

Also, in the sports car segment, the average cost of insurance ranges from the Mazda MX-5 Miata costing $1,584 per year up to the Mercedes-Benz SL 63 at $3,516 per year.

In these next sections, we eliminate this variability by comparing the cost of auto insurance in Winston-Salem at a model level.

Cheapest car insurance rates in Winston-Salem

The four lowest-cost 2-door and 4-door sedans and hatchbacks to insure in Winston-Salem are the Toyota GR Corolla at $1,488 per year, Nissan Leaf at $1,498 per year, Honda Civic at $1,516 per year, and Nissan Sentra at $1,566 per year.

Not the cheapest, but still in the top 10, are cars like the Toyota Prius, Honda Accord, Toyota Corolla, and Kia K5, with average insurance cost of $1,668 per year or less.

Ranking between positions 10 and 20, cars like the Toyota Crown, Volkswagen Jetta, Hyundai Ioniq 6, Mitsubishi Mirage G4, and Subaru Legacy cost between $1,668 and $1,770 to insure per year in Winston-Salem.

On a monthly basis, full-coverage insurance in this segment will start around $124 per month, depending on the company and your location.

If insurance rates are ranked by vehicle size, the most budget-friendly compact car to insure in Winston-Salem is the Toyota GR Corolla at $1,488 per year. For midsize models, the Kia K5 is the cheapest model to insure at $1,648 per year. And for full-size non-luxury cars, the Chrysler 300 has the cheapest car insurance rates at $1,630 per year.

The table below ranks the twenty cars with the lowest-cost insurance in Winston-Salem, starting with the Toyota GR Corolla at $1,488 per year ($124 per month) and ending with the Mazda 3 at $1,770 per year ($148 per month).

Cheapest Car Insurance in Winston-Salem, NC
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,488$124
Nissan LeafCompact$1,498$125
Honda CivicCompact$1,516$126
Nissan SentraCompact$1,566$131
Subaru ImprezaCompact$1,572$131
Toyota PriusCompact$1,600$133
Kia K5Midsize$1,648$137
Honda AccordMidsize$1,656$138
Chevrolet MalibuMidsize$1,660$138
Toyota CorollaCompact$1,668$139
Kia ForteCompact$1,670$139
Volkswagen ArteonMidsize$1,682$140
Nissan VersaCompact$1,686$141
Subaru LegacyMidsize$1,688$141
Hyundai Ioniq 6Midsize$1,704$142
Mitsubishi Mirage G4Compact$1,726$144
Volkswagen JettaCompact$1,730$144
Hyundai SonataMidsize$1,732$144
Toyota CrownMidsize$1,732$144
Mazda 3Compact$1,770$148

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Winston Salem, NC Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Winston Salem, NC, with the Toyota GR Corolla ranking first at $1,488 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Winston Salem, NC, with the Toyota GR Corolla ranking first at $1,488 per year.

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in North Carolina.

Cheapest SUV insurance rates

The four top-ranked non-luxury SUVs with the cheapest average auto insurance rates in Winston-Salem are the Subaru Crosstrek at $1,264 per year, Chevrolet Trailblazer at $1,286 per year, Kia Soul at $1,336 per year, and Nissan Kicks at $1,348 per year.

Not the cheapest SUVs to insure, but still very reasonable, are SUVs like the Hyundai Venue, Mazda CX-5, Ford Bronco Sport, and Buick Envision, with average annual insurance rates of $1,402 per year or less.

Ranked in the bottom half of the top 20 cheapest SUVs to insure, SUVs like the Nissan Murano, Honda CR-V, Volkswagen Taos, Buick Envista, Volkswagen Tiguan, and Buick Encore average between $1,402 and $1,490 to insure per year.

Full-coverage auto insurance in Winston-Salem for this segment starts at an average of $105 per month, depending on where you live and the company you use.

If rates are ranked based on vehicle size, the most affordable non-luxury compact SUV to insure in Winston-Salem is the Subaru Crosstrek at $1,264 per year, or $105 per month. For midsize 2024 models, the Honda Passport is cheapest to insure at $1,364 per year, or $114 per month. And for full-size SUVs, the Chevrolet Tahoe has the most affordable rates at $1,606 per year, or $134 per month.

The next table ranks the SUVs with the lowest-cost average auto insurance rates in Winston-Salem, starting with the Subaru Crosstrek at $105 per month and ending with the Subaru Ascent at $124 per month.

Cheapest SUV Insurance in Winston-Salem, NC
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,264$105
Chevrolet TrailblazerCompact$1,286$107
Kia SoulCompact$1,336$111
Nissan KicksCompact$1,348$112
Honda PassportMidsize$1,364$114
Buick EnvisionCompact$1,372$114
Toyota Corolla CrossCompact$1,380$115
Hyundai VenueCompact$1,388$116
Mazda CX-5Compact$1,398$117
Ford Bronco SportCompact$1,402$117
Volkswagen TiguanCompact$1,418$118
Nissan MuranoMidsize$1,438$120
Buick EncoreCompact$1,454$121
Subaru OutbackMidsize$1,458$122
Honda CR-VCompact$1,460$122
Buick EnvistaMidsize$1,462$122
Volkswagen TaosCompact$1,466$122
Kia NiroCompact$1,474$123
Honda HR-VCompact$1,490$124
Subaru AscentMidsize$1,490$124

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Winston Salem, NC Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Winston Salem, NC, with the Subaru Crosstrek ranking first at $1,264 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Winston Salem, NC, with the Subaru Crosstrek ranking first at $1,264 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Looking for rates for a different SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Winston-Salem car insurance quotes from top companies in North Carolina.

Cheapest luxury cars to insure

Ranking highest for the most affordable Winston-Salem car insurance rates in the luxury car segment are the Acura Integra, Lexus IS 300, Acura TLX, Mercedes-Benz CLA250, and BMW 330i. Auto insurance prices for these vehicles average $1,772 or less per year.

Not the cheapest to insure, but still ranked well, are cars like the Lexus RC 300, Lexus ES 350, Cadillac CT4, and Genesis G70, with average cost of $1,798 per year or less.

Ranked in the bottom half of the top 20 cheapest luxury cars to insure, cars like the Lexus ES 250, Lexus ES 300h, Audi S3, Jaguar XF, Lexus IS 350, and Lexus RC 350 average between $1,798 and $1,918 per year for full-coverage insurance.

On a monthly basis, full-coverage car insurance in this segment will start around $127 per month, depending on the company and your location. The next table ranks the twenty luxury cars with the cheapest average auto insurance rates in Winston-Salem.

Cheapest Luxury Car Insurance in Winston-Salem, NC
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$1,522$127
BMW 330iCompact$1,744$145
Mercedes-Benz CLA250Midsize$1,760$147
Lexus IS 300Midsize$1,766$147
Acura TLXCompact$1,772$148
Cadillac CT4Compact$1,788$149
Lexus ES 350Midsize$1,788$149
Genesis G70Compact$1,792$149
Mercedes-Benz AMG CLA35Midsize$1,796$150
Lexus RC 300Midsize$1,798$150
Lexus IS 350Compact$1,808$151
Jaguar XFMidsize$1,812$151
Cadillac CT5Midsize$1,844$154
Lexus ES 250Midsize$1,852$154
BMW 330eCompact$1,856$155
Lexus RC 350Compact$1,858$155
BMW 228iCompact$1,860$155
BMW 230iCompact$1,874$156
Lexus ES 300hMidsize$1,878$157
Audi S3Compact$1,918$160

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Winston Salem, NC Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Winston Salem, NC, with the Acura Integra ranking first at $1,522 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Winston Salem, NC, with the Acura Integra ranking first at $1,522 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Don’t see insurance cost for your luxury car? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Winston-Salem car insurance quotes from top-rated car insurance companies in North Carolina.

Cheapest luxury SUVs to insure

Ranking in the top five for the lowest-cost Winston-Salem auto insurance rates in the luxury SUV segment are the Jaguar E-Pace, Acura RDX, Cadillac XT5, Lexus NX 250, and Cadillac XT4. Auto insurance prices for these vehicles average $1,614 or less per year.

Some other luxury SUVs that have affordable insurance rates are the Lexus NX 350h, Lincoln Corsair, Lexus UX 250h, and Lexus NX 450h, with an average cost to insure of $1,650 per year or less.

Ranked in the lower half of the top 20, models like the Infiniti QX50, Lexus RX 350, Cadillac XT6, Acura MDX, Mercedes-Benz GLA35 AMG, and Mercedes-Benz GLA250 average between $1,650 and $1,718 per year for auto insurance.

From a monthly standpoint, car insurance rates in this segment for the average driver will start around $119 per month, depending on where you live.

The table below ranks the luxury SUVs with the lowest-cost average insurance rates in Winston-Salem.

Cheapest Luxury SUV Insurance in Winston-Salem, NC
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,432$119
Lexus NX 250Compact$1,516$126
Cadillac XT4Compact$1,544$129
Jaguar E-PaceMidsize$1,600$133
Cadillac XT5Midsize$1,614$135
Lexus NX 350hCompact$1,614$135
Lincoln CorsairCompact$1,636$136
Lexus UX 250hCompact$1,640$137
Mercedes-Benz GLB 250Compact$1,640$137
Lexus NX 450hCompact$1,650$138
Infiniti QX50Midsize$1,664$139
Mercedes-Benz GLA250Compact$1,670$139
Cadillac XT6Midsize$1,674$140
Mercedes-Benz GLA35 AMGCompact$1,674$140
Infiniti QX60Midsize$1,684$140
Mercedes-Benz AMG GLB35Midsize$1,686$141
Land Rover EvoqueCompact$1,708$142
Acura MDXMidsize$1,712$143
Lexus NX 350Compact$1,716$143
Lexus RX 350Midsize$1,718$143

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Winston Salem, NC Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Winston Salem, NC, with the Acura RDX ranking first at $1,432 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Winston Salem, NC, with the Acura RDX ranking first at $1,432 per year.

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Need rates for a different luxury SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Winston-Salem car insurance quotes from top-rated car insurance companies in North Carolina.

Cheapest sports car insurance rates

In our comparison, the top five lowest-cost sports cars to insure in Winston-Salem are the Mazda MX-5 Miata, Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. Rates for for these models range from $1,584 to $1,918 per year.

Other models that have affordable average insurance rates include the BMW M2, Lexus RC F, Nissan Z, and Subaru BRZ, with an average cost of $2,044 per year or less.

Ranking between positions 10 and 20, models like the BMW M4, Lexus LC 500, Chevrolet Corvette, Porsche 718, Chevrolet Camaro, and Mercedes-Benz AMG GT53 cost between $2,044 and $2,898 per year for auto insurance in Winston-Salem.

On a monthly basis, full-coverage insurance in this segment for a good driver starts at an average of $132 per month, depending on your location.

The rate comparison table below ranks the sports cars with the cheapest car insurance rates in Winston-Salem, starting with the Mazda MX-5 Miata at $1,584 per year ($132 per month) and ending with the Porsche Taycan at $2,898 per year ($242 per month).

Cheapest Sports Car Insurance in Winston-Salem, NC
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$1,584$132
Toyota GR86Sports Car$1,804$150
Ford MustangSports Car$1,882$157
BMW Z4Sports Car$1,888$157
Subaru WRXSports Car$1,918$160
Toyota GR SupraSports Car$1,922$160
BMW M2Sports Car$1,978$165
Nissan ZSports Car$1,982$165
Lexus RC FSports Car$2,022$169
Subaru BRZSports Car$2,044$170
BMW M3Sports Car$2,160$180
Porsche 718Sports Car$2,204$184
Chevrolet CamaroSports Car$2,222$185
Chevrolet CorvetteSports Car$2,370$198
Porsche 911Sports Car$2,454$205
BMW M4Sports Car$2,552$213
Lexus LC 500Sports Car$2,568$214
Jaguar F-TypeSports Car$2,702$225
Mercedes-Benz AMG GT53Sports Car$2,834$236
Porsche TaycanSports Car$2,898$242

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Winston Salem, NC Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Winston Salem, NC, with the Mazda MX-5 Miata ranking first at $1,584 per year.
Ranking of the cheapest sports cars to insure in Winston Salem, NC, with the Mazda MX-5 Miata ranking first at $1,584 per year.

Don’t see your sports car in the list? Not a problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in North Carolina.

Cheapest pickup insurance rates

The most affordable pickups to insure in Winston-Salem are the Chevrolet Colorado at $1,508 per year, the Nissan Titan at $1,602 per year, and the Nissan Frontier at $1,618 per year.

Some other pickups that have affordable insurance rates include the GMC Canyon, Hyundai Santa Cruz, Honda Ridgeline, and GMC Sierra 2500 HD, with average annual insurance rates of $1,760 per year or less.

From a cost per month standpoint, auto insurance rates on this segment in Winston-Salem for a good driver starts at around $126 per month, depending on the company and where you live.

The comparison table below ranks the twenty pickups with the lowest-cost auto insurance rates in Winston-Salem, starting with the Chevrolet Colorado at $126 per month and ending with the Ram Truck at $165 per month.

Cheapest Pickup Insurance in Winston-Salem, NC
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$1,508$126
Nissan TitanFull-size$1,602$134
Nissan FrontierMidsize$1,618$135
Ford RangerMidsize$1,636$136
Ford MaverickMidsize$1,662$139
Honda RidgelineMidsize$1,696$141
Hyundai Santa CruzMidsize$1,726$144
Toyota TacomaMidsize$1,732$144
GMC Sierra 2500 HDHeavy Duty$1,742$145
GMC CanyonMidsize$1,760$147
Jeep GladiatorMidsize$1,802$150
GMC Sierra 3500Heavy Duty$1,814$151
Chevrolet Silverado HD 3500Heavy Duty$1,830$153
Chevrolet Silverado HD 2500Heavy Duty$1,880$157
GMC SierraFull-size$1,888$157
Chevrolet SilveradoFull-size$1,892$158
Nissan Titan XDHeavy Duty$1,892$158
Ford F150Full-size$1,916$160
GMC Hummer EV PickupFull-size$1,960$163
Ram TruckFull-size$1,980$165

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Winston Salem, NC Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Winston Salem, NC, with the Chevrolet Colorado ranking first at $1,508 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Winston Salem, NC, with the Chevrolet Colorado ranking first at $1,508 per year.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Looking for rates for a different pickup? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Winston-Salem car insurance quotes from top car insurance companies in North Carolina.

Examples of rate variation

In order to reinforce the extent to which the cost of a car insurance policy can fluctuate for different applicants, the charts below have detailed car insurance rates for five popular vehicles in Winston-Salem: the Honda Civic, Honda CR-V, Toyota Highlander, Honda Accord, and Chevrolet Camaro.

Each chart uses a variety of different driver profiles to illustrate how much rates can vary based on changes in the type of driver rated on the policy.

Honda Civic insurance rates

Honda Civic insurance in Winston-Salem costs an average of $1,516 per year, or around $126 per month, and varies from $1,260 to $3,440.

Average 2024 Honda Civic insurance premiums in Winston Salem for different driver ages and risk scenarios.
Figure 4: Average 2024 Honda Civic insurance premiums in Winston Salem for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Civic with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Civic car insurance cost in Winston Salem includes all Zip Codes and vehicle trim levels.

2024 Honda Civic Insurance Cost in Winston Salem, NC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$3,440$287
Safe Driver Age 20$3,006$251
At-fault Accidents Age 40$2,124$177
Low Deductibles Age 40$1,986$166
Safe Driver Age 30$1,620$135
Safe Driver Age 40$1,516$126
Safe Driver Age 50$1,344$112
High Deductibles Age 40$1,270$106
Discount Rate Age 40$1,260$105
Safe Driver Age 60$1,258$105

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Civic trim levels. Updated June 26, 2025

The Honda Civic belongs to the compact car segment, and other popular models include the Chevrolet Cruze, Hyundai Elantra, and Toyota Corolla.

Honda CR-V insurance rates

Honda CR-V insurance in Winston-Salem costs an average of $1,460 per year, or about $122 per month, and has a range of $1,214 to $3,354.

Average 2024 Honda CR-V insurance premiums in Winston Salem for different driver ages and risk scenarios.
Figure 5: Average 2024 Honda CR-V insurance premiums in Winston Salem for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Honda CR-V with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda CR-V car insurance cost in Winston Salem includes all Zip Codes and vehicle trim levels.

2024 Honda CR-V Insurance Cost in Winston Salem, NC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$3,354$280
Safe Driver Age 20$2,932$244
At-fault Accidents Age 40$2,064$172
Low Deductibles Age 40$1,902$159
Safe Driver Age 30$1,554$130
Safe Driver Age 40$1,460$122
Safe Driver Age 50$1,294$108
High Deductibles Age 40$1,232$103
Safe Driver Age 60$1,214$101
Discount Rate Age 40$1,214$101

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda CR-V trim levels. Updated June 26, 2025

The Honda CR-V is considered a compact SUV, and other similar models from the same segment include the Subaru Forester, Toyota RAV4, Ford Escape, and Nissan Rogue.

Toyota Highlander insurance rates

Auto insurance for a Toyota Highlander in Winston-Salem costs an average of $1,558 per year, or around $130 per month, and varies from $1,296 to $3,558 per year for the specific drivers in the next chart.

Average 2024 Toyota Highlander insurance premiums in Winston Salem for different driver ages and risk scenarios.
Figure 6: Average 2024 Toyota Highlander insurance premiums in Winston Salem for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Highlander with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Highlander car insurance cost in Winston Salem includes all Zip Codes and vehicle trim levels.

2024 Toyota Highlander Insurance Cost in Winston Salem, NC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$3,558$297
Safe Driver Age 20$3,116$260
At-fault Accidents Age 40$2,182$182
Low Deductibles Age 40$2,074$173
Safe Driver Age 30$1,666$139
Safe Driver Age 40$1,558$130
Safe Driver Age 50$1,374$115
Discount Rate Age 40$1,296$108
High Deductibles Age 40$1,294$108
Safe Driver Age 60$1,288$107

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Highlander trim levels. Updated June 26, 2025

The Toyota Highlander is part of the midsize SUV segment, and other models popular in Winston Salem include the Honda Pilot, Ford Edge, and Jeep Grand Cherokee.

Honda Accord insurance rates

Insurance for a Honda Accord in Winston-Salem costs an average of $1,656 per year, or around $138 per month, and varies from $1,374 to $3,798.

Average 2024 Honda Accord insurance premiums in Winston Salem for different driver ages and risk scenarios.
Figure 7: Average 2024 Honda Accord insurance premiums in Winston Salem for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Accord with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Accord car insurance cost in Winston Salem includes all Zip Codes and vehicle trim levels.

2024 Honda Accord Insurance Cost in Winston Salem, NC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$3,798$317
Safe Driver Age 20$3,330$278
At-fault Accidents Age 40$2,334$195
Low Deductibles Age 40$2,180$182
Safe Driver Age 30$1,766$147
Safe Driver Age 40$1,656$138
Safe Driver Age 50$1,464$122
High Deductibles Age 40$1,386$116
Discount Rate Age 40$1,374$115
Safe Driver Age 60$1,370$114

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Accord trim levels. Updated June 27, 2025

The Honda Accord is considered a midsize car, and other models in that segment include the Hyundai Sonata, Kia K5, Chevrolet Malibu, and Nissan Altima.

Chevrolet Camaro insurance rates

Chevrolet Camaro insurance in Winston-Salem costs an average of $2,222 per year, or around $185 per month, and has a range of $1,848 to $5,108 for the driver ages and coverage limits displayed in the next chart.

Average 2024 Chevrolet Camaro insurance premiums in Winston Salem for different driver ages and risk scenarios.
Figure 8: Average 2024 Chevrolet Camaro insurance premiums in Winston Salem for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Chevrolet Camaro with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Camaro car insurance cost in Winston Salem includes all Zip Codes and vehicle trim levels.

2024 Chevrolet Camaro Insurance Cost in Winston Salem, NC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,108$426
Safe Driver Age 20$4,458$372
At-fault Accidents Age 40$3,156$263
Low Deductibles Age 40$2,862$239
Safe Driver Age 30$2,366$197
Safe Driver Age 40$2,222$185
Safe Driver Age 50$1,980$165
High Deductibles Age 40$1,892$158
Safe Driver Age 60$1,848$154
Discount Rate Age 40$1,848$154

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Camaro trim levels. Updated June 27, 2025

The Chevrolet Camaro is considered a sports car, and additional models from the same segment that are popular in Winston-Salem, NC, include the Toyota Supra, Nissan 370Z, and Ford Mustang.

Tips for getting cheaper car insurance quotes

Drivers are always searching for ways to cut the monthly cost of insurance So look through the tips in this next list and it’s very possible you can save a little dough on your next auto insurance policy.

  • Buy vehicles with low cost car insurance rates. The make and model of vehicle you drive is a big factor in the price you pay for car insurance. For example, a Volvo XC40 costs $322 less per year to insure in Winston-Salem than a Subaru BRZ. Drive cheaper models and save money.
  • Remove unneeded coverage on older cars. Dropping comprehensive and collision coverage from vehicles whose low value makes coverage cost prohibitive will trim the cost substantially.
  • Make your policy cheaper by raising deductibles. Boosting your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Shop your coverage around. Taking the time to get a few free car insurance quotes is a smart way to save money. Rates are always changing and you can change companies at any time.
  • Compare the cost of insurance before buying a car. Different cars have significantly different auto insurance rates, and insurers can sell coverages with widely varying rates. Get plenty of comparison quotes before you buy a new car to prevent any surprises when insuring your new car.
  • More discounts equals more savings. Savings may be available if the insureds insure their home and car with the same company, are claim-free, are accident-free, are good students, drive low annual mileage, or many other policy discounts which could save the average Winston-Salem driver as much as $288 per year.
  • Get cheaper insurance rates by avoiding traffic tickets. To get the cheapest car insurance in Winston-Salem, it pays to drive within the law. As a matter of fact, just one or two traffic citations have the ramification of spiking the price of a policy by as much as $456 per year.