- The average cost of car insurance in Winston-Salem is $1,754 per year, or about $146 per month for full coverage.
- Monthly auto insurance rates for a few popular vehicles in Winston-Salem include the Toyota Camry at $157, Honda Accord at $141, and GMC Sierra at $162.
- For cheap auto insurance in Winston-Salem, crossover vehicles like the Chevrolet Trailblazer, Nissan Kicks, Mazda CX-5, and Volkswagen Tiguan cost less than most other makes and models.
- Vehicles with the lowest cost car insurance in their automotive segment include the Kia K5 at $1,692 per year, Acura Integra at $1,560 per year, Chevrolet Tahoe at $1,648 per year, and Mercedes-Benz CLA250 at $1,804 per year.
How much does car insurance cost in Winston-Salem?
In Winston-Salem, the average cost of car insurance is $1,754 per year, which is 25.9% less than the overall U.S. national average rate of $2,276. Per month, Winston-Salem drivers can expect to pay an average of $146 for a policy that provides full coverage.
In the state of North Carolina, the average cost of car insurance is $1,866 per year, so the average cost in Winston-Salem is $112 less per year. The cost of car insurance in Winston-Salem compared to other North Carolina cities is $96 per year less than in Greensboro, $258 per year less than in Charlotte, and $114 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 – $6,249 per year or $521 per month
- 17-year-old driver – $6,055 per year or $505 per month
- 18-year-old driver – $5,426 per year or $452 per month
- 19-year-old driver – $4,944 per year or $412 per month
- 20-year-old driver – $3,532 per year or $294 per month
- 30-year-old driver – $1,874 per year or $156 per month
- 40-year-old driver – $1,754 per year or $146 per month
- 50-year-old driver – $1,554 per year or $130 per month
- 60-year-old driver – $1,454 per year or $121 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.
The average cost of auto insurance per month in Winston Salem is $146, with policy prices ranging from $103 to $342 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.
Car insurance for popular cars, trucks, and SUVs
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.
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 $732 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 $763 to $411 less each year than male drivers of the same age.
- Winston-Salem, NC, car insurance costs less than the U.S. average – $1,754 (Winston Salem average) versus $2,276 (U.S. average)
- Cost per month ranges from $121 to $521 – 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 – $1,754 (Winston-Salem average) versus $1,866 (North Carolina average)
- Insurance rates decline considerably between ages 20 and 30 – The average 30-year-old Winston-Salem, North Carolina, driver will pay $1,658 less annually than a 20-year-old driver, $1,874 compared to $3,532.
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 $1,424 or less per year, or $119 per month, for full coverage.
Additional vehicles that rank very well in the cost comparison table are the Honda CR-V, 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 $127 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.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,296 | $108 |
| 2 | Chevrolet Trailblazer | $1,318 | $110 |
| 3 | Kia Soul | $1,370 | $114 |
| 4 | Nissan Kicks | $1,380 | $115 |
| 5 | Honda Passport | $1,400 | $117 |
| 6 | Buick Envision | $1,406 | $117 |
| 7 | Toyota Corolla Cross | $1,412 | $118 |
| 8 | Hyundai Venue | $1,424 | $119 |
| 9 | Mazda CX-5 | $1,430 | $119 |
| 10 | Ford Bronco Sport | $1,436 | $120 |
| 11 | Volkswagen Tiguan | $1,452 | $121 |
| 12 | Acura RDX | $1,466 | $122 |
| 13 | Nissan Murano | $1,474 | $123 |
| 14 | Buick Encore | $1,488 | $124 |
| 15 | Honda CR-V | $1,494 | $125 |
| 16 | Subaru Outback | $1,494 | $125 |
| 17 | Buick Envista | $1,502 | $125 |
| 18 | Volkswagen Taos | $1,504 | $125 |
| 19 | Kia Niro | $1,510 | $126 |
| 20 | Toyota GR Corolla | $1,524 | $127 |
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 October 24, 2025
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.
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 $1,524 per year for full coverage insurance up to the Toyota Mirai costing $2,184 per year.
Also, in the sports car segment, the average cost of insurance ranges from the Mazda MX-5 Miata costing $1,622 per year up to the Mercedes-Benz SL 63 at $3,608 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 $1,524 per year, Nissan Leaf at $1,540 per year, Honda Civic at $1,552 per year, and Nissan Sentra at $1,610 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 $1,708 per year or less.
Ranking between positions 10 and 20, cars like the Volkswagen Jetta, Toyota Crown, Hyundai Ioniq 6, Mitsubishi Mirage G4, and Subaru Legacy cost between $1,708 and $1,816 to insure per year in Winston-Salem.
On a monthly basis, full-coverage insurance in this segment will start around $127 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 $1,524 per year. For midsize models, the Kia K5 is the cheapest model to insure at $1,692 per year. And for full-size non-luxury cars, the Chrysler 300 has the cheapest car insurance rates at $1,672 per year.
The table below ranks the twenty cars with the lowest-cost insurance in Winston-Salem, starting with the Toyota GR Corolla at $1,524 per year ($127 per month) and ending with the Mazda 3 at $1,816 per year ($151 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $1,524 | $127 |
| Nissan Leaf | Compact | $1,540 | $128 |
| Honda Civic | Compact | $1,552 | $129 |
| Nissan Sentra | Compact | $1,610 | $134 |
| Subaru Impreza | Compact | $1,614 | $135 |
| Toyota Prius | Compact | $1,638 | $137 |
| Kia K5 | Midsize | $1,692 | $141 |
| Honda Accord | Midsize | $1,696 | $141 |
| Chevrolet Malibu | Midsize | $1,704 | $142 |
| Toyota Corolla | Compact | $1,708 | $142 |
| Kia Forte | Compact | $1,716 | $143 |
| Volkswagen Arteon | Midsize | $1,724 | $144 |
| Nissan Versa | Compact | $1,730 | $144 |
| Subaru Legacy | Midsize | $1,734 | $145 |
| Hyundai Ioniq 6 | Midsize | $1,744 | $145 |
| Mitsubishi Mirage G4 | Compact | $1,774 | $148 |
| Toyota Crown | Midsize | $1,774 | $148 |
| Volkswagen Jetta | Compact | $1,776 | $148 |
| Hyundai Sonata | Midsize | $1,778 | $148 |
| Mazda 3 | Compact | $1,816 | $151 |
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 October 24, 2025
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 $1,296 per year, Chevrolet Trailblazer at $1,318 per year, Kia Soul at $1,370 per year, and Nissan Kicks at $1,380 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 $1,436 per year or less.
Ranked in the bottom half of the top 20 cheapest SUVs to insure, SUVs like the Nissan Murano, Subaru Outback, Volkswagen Taos, Buick Envista, Volkswagen Tiguan, and Buick Encore average between $1,436 and $1,528 to insure per year.
Full-coverage auto insurance in Winston-Salem for this segment starts at an average of $108 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 $1,296 per year, or $108 per month. For midsize 2024 models, the Honda Passport is cheapest to insure at $1,400 per year, or $117 per month. And for full-size SUVs, the Chevrolet Tahoe has the most affordable rates at $1,648 per year, or $137 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 $108 per month and ending with the Subaru Ascent at $127 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,296 | $108 |
| Chevrolet Trailblazer | Compact | $1,318 | $110 |
| Kia Soul | Compact | $1,370 | $114 |
| Nissan Kicks | Compact | $1,380 | $115 |
| Honda Passport | Midsize | $1,400 | $117 |
| Buick Envision | Compact | $1,406 | $117 |
| Toyota Corolla Cross | Compact | $1,412 | $118 |
| Hyundai Venue | Compact | $1,424 | $119 |
| Mazda CX-5 | Compact | $1,430 | $119 |
| Ford Bronco Sport | Compact | $1,436 | $120 |
| Volkswagen Tiguan | Compact | $1,452 | $121 |
| Nissan Murano | Midsize | $1,474 | $123 |
| Buick Encore | Compact | $1,488 | $124 |
| Honda CR-V | Compact | $1,494 | $125 |
| Subaru Outback | Midsize | $1,494 | $125 |
| Buick Envista | Midsize | $1,502 | $125 |
| Volkswagen Taos | Compact | $1,504 | $125 |
| Kia Niro | Compact | $1,510 | $126 |
| Subaru Ascent | Midsize | $1,528 | $127 |
| Honda HR-V | Compact | $1,530 | $128 |
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 October 24, 2025
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 $1,814 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 $1,844 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 $1,844 and $1,968 per year for full-coverage insurance.
On a monthly basis, full-coverage car insurance in this segment will start around $130 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.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $1,560 | $130 |
| BMW 330i | Compact | $1,786 | $149 |
| Mercedes-Benz CLA250 | Midsize | $1,804 | $150 |
| Lexus IS 300 | Midsize | $1,810 | $151 |
| Acura TLX | Compact | $1,814 | $151 |
| Cadillac CT4 | Compact | $1,832 | $153 |
| Lexus ES 350 | Midsize | $1,832 | $153 |
| Genesis G70 | Compact | $1,836 | $153 |
| Mercedes-Benz AMG CLA35 | Midsize | $1,840 | $153 |
| Lexus RC 300 | Midsize | $1,844 | $154 |
| Lexus IS 350 | Compact | $1,852 | $154 |
| Jaguar XF | Midsize | $1,856 | $155 |
| Cadillac CT5 | Midsize | $1,894 | $158 |
| Lexus ES 250 | Midsize | $1,898 | $158 |
| Lexus RC 350 | Compact | $1,904 | $159 |
| BMW 330e | Compact | $1,906 | $159 |
| BMW 228i | Compact | $1,912 | $159 |
| BMW 230i | Compact | $1,924 | $160 |
| Lexus ES 300h | Midsize | $1,928 | $161 |
| Audi S3 | Compact | $1,968 | $164 |
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 October 24, 2025
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 $1,656 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 $1,690 per year or less.
Ranked in the lower half of the top 20, models like the Infiniti QX50, Lexus RX 350, Cadillac XT6, Land Rover Evoque, Mercedes-Benz GLA35 AMG, and Mercedes-Benz GLA250 average between $1,690 and $1,760 per year for auto insurance.
From a monthly standpoint, car insurance rates in this segment for the average driver will start around $122 per month, depending on where you live.
The table below ranks the luxury SUVs with the lowest-cost average insurance rates in Winston-Salem.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,466 | $122 |
| Lexus NX 250 | Compact | $1,552 | $129 |
| Cadillac XT4 | Compact | $1,584 | $132 |
| Jaguar E-Pace | Midsize | $1,640 | $137 |
| Cadillac XT5 | Midsize | $1,656 | $138 |
| Lexus NX 350h | Compact | $1,656 | $138 |
| Lincoln Corsair | Compact | $1,676 | $140 |
| Mercedes-Benz GLB 250 | Compact | $1,678 | $140 |
| Lexus UX 250h | Compact | $1,684 | $140 |
| Lexus NX 450h | Compact | $1,690 | $141 |
| Infiniti QX50 | Midsize | $1,706 | $142 |
| Mercedes-Benz GLA250 | Compact | $1,712 | $143 |
| Cadillac XT6 | Midsize | $1,716 | $143 |
| Mercedes-Benz GLA35 AMG | Compact | $1,716 | $143 |
| Infiniti QX60 | Midsize | $1,726 | $144 |
| Mercedes-Benz AMG GLB35 | Midsize | $1,728 | $144 |
| Land Rover Evoque | Compact | $1,750 | $146 |
| Acura MDX | Midsize | $1,754 | $146 |
| Lexus NX 350 | Compact | $1,758 | $147 |
| Lexus RX 350 | Midsize | $1,760 | $147 |
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 October 24, 2025
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 $1,622 to $1,968 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 $2,100 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 $2,100 and $2,974 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 $135 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 $1,622 per year ($135 per month) and ending with the Porsche Taycan at $2,974 per year ($248 per month).
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,622 | $135 |
| Toyota GR86 | Sports Car | $1,848 | $154 |
| Ford Mustang | Sports Car | $1,928 | $161 |
| BMW Z4 | Sports Car | $1,942 | $162 |
| Subaru WRX | Sports Car | $1,968 | $164 |
| Toyota GR Supra | Sports Car | $1,972 | $164 |
| BMW M2 | Sports Car | $2,026 | $169 |
| Nissan Z | Sports Car | $2,034 | $170 |
| Lexus RC F | Sports Car | $2,072 | $173 |
| Subaru BRZ | Sports Car | $2,100 | $175 |
| BMW M3 | Sports Car | $2,218 | $185 |
| Porsche 718 | Sports Car | $2,258 | $188 |
| Chevrolet Camaro | Sports Car | $2,282 | $190 |
| Chevrolet Corvette | Sports Car | $2,432 | $203 |
| Porsche 911 | Sports Car | $2,514 | $210 |
| BMW M4 | Sports Car | $2,620 | $218 |
| Lexus LC 500 | Sports Car | $2,632 | $219 |
| Jaguar F-Type | Sports Car | $2,768 | $231 |
| Mercedes-Benz AMG GT53 | Sports Car | $2,904 | $242 |
| Porsche Taycan | Sports Car | $2,974 | $248 |
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 October 24, 2025
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 $1,544 per year, the Nissan Titan at $1,642 per year, and the Nissan Frontier at $1,658 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 $1,806 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 $129 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 $129 per month and ending with the Ram Truck at $169 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,544 | $129 |
| Nissan Titan | Full-size | $1,642 | $137 |
| Nissan Frontier | Midsize | $1,658 | $138 |
| Ford Ranger | Midsize | $1,678 | $140 |
| Ford Maverick | Midsize | $1,704 | $142 |
| Honda Ridgeline | Midsize | $1,744 | $145 |
| Hyundai Santa Cruz | Midsize | $1,772 | $148 |
| Toyota Tacoma | Midsize | $1,780 | $148 |
| GMC Sierra 2500 HD | Heavy Duty | $1,786 | $149 |
| GMC Canyon | Midsize | $1,806 | $151 |
| Jeep Gladiator | Midsize | $1,850 | $154 |
| GMC Sierra 3500 | Heavy Duty | $1,860 | $155 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $1,876 | $156 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $1,926 | $161 |
| Chevrolet Silverado | Full-size | $1,940 | $162 |
| GMC Sierra | Full-size | $1,940 | $162 |
| Nissan Titan XD | Heavy Duty | $1,942 | $162 |
| Ford F150 | Full-size | $1,964 | $164 |
| GMC Hummer EV Pickup | Full-size | $2,012 | $168 |
| Ram Truck | Full-size | $2,028 | $169 |
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 October 24, 2025
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 $1,552 per year, or around $129 per month, and varies from $1,294 to $3,528.
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 $1,494 per year, or about $125 per month, and has a range of $1,244 to $3,438.
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 $1,596 per year, or around $133 per month, and varies from $1,328 to $3,652 per year for the specific drivers in the next chart.
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 $1,696 per year, or around $141 per month, and varies from $1,410 to $3,896.
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 $2,282 per year, or around $190 per month, and has a range of $1,892 to $5,236 for the driver ages and coverage limits displayed in the next chart.
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 $334 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 $382 per year for a 40-year-old driver and $742 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 $296 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 $468 per year.