Car Insurance Cost in Winston-Salem, NC (2022 Rates)

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

Start QuoteCompare Winston Salem car insurance rates and save on your next policy.

How much does car insurance cost in Winston-Salem?

In Winston-Salem, the average cost of car insurance is $840 per year, which is 46.4% less than the overall U.S. national average rate of $1,567. Per month, Winston-Salem drivers can expect to pay an average of $70 for a policy that provides full coverage.

In the state of North Carolina, the average cost of car insurance is $966 per year, so the average cost in Winston-Salem is $126 less per year. The cost of car insurance in Winston-Salem compared to other North Carolina cities is $92 per year less than in Greensboro, $248 per year less than in Charlotte, and $108 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 – $3,014 per year or $251 per month
  • 17-year-old driver – $2,812 per year or $234 per month
  • 18-year-old driver – $2,628 per year or $219 per month
  • 19-year-old driver – $2,376 per year or $198 per month
  • 20-year-old driver – $1,670 per year or $139 per month
  • 30-year-old driver – $884 per year or $74 per month
  • 40-year-old driver – $840 per year or $70 per month
  • 50-year-old driver – $764 per year or $64 per month
  • 60-year-old driver – $750 per year or $63 per month

The next chart shows average Winston-Salem car insurance rates for 2022 model year vehicles not only for different driver ages, but also for different comprehensive and collision deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Winston Salem car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Winston Salem zip codes.Data last updated on June 23, 2022
Average Car Insurance Cost in Winston-Salem, NC
Average Car Insurance Cost in Winston Salem, NC
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,416$118
$500$1,670$139
$250$1,934$161
30$1,000$744$62
$500$884$74
$250$1,032$86
40$1,000$710$59
$500$840$70
$250$976$81
50$1,000$648$54
$500$764$64
$250$888$74
60$1,000$636$53
$500$750$63
$250$870$73

The average cost of auto insurance per month in Winston Salem is $70, with policy prices ranging from $53 to $161 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 2022 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Winston Salem car insurance cost is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Winston Salem Zip Codes.Data last updated on June 23, 2022
Winston-Salem, NC, Car Insurance Rates for Popular Vehicles
Winston-Salem, NC, Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Honda CR-V$736$61
Ford Ranger$748$62
Honda HR-V$756$63
Toyota Tacoma$778$65
Hyundai Tucson$784$65
Ford Explorer$792$66
Toyota RAV4$794$66
Ford F150$812$68
Nissan Sentra$822$69
Nissan Rogue$826$69
Toyota Camry$826$69
Toyota Corolla$828$69
Ford Escape$830$69
Ford Bronco$844$70
Honda Pilot$852$71
GMC Sierra$860$72
Hyundai Santa Fe$880$73
Ford Mustang$886$74
Chevrolet Silverado$902$75
Jeep Grand Cherokee$930$78
Jeep Cherokee$936$78
Ram Truck$960$80
Jeep Wrangler$964$80
Chevrolet Corvette$1,060$88

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 $664 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 $266 to $364 less each year than male drivers of the same age.
  • Winston-Salem, NC, car insurance costs less than the U.S. average – $840 (Winston Salem average) versus $1,567 (U.S. average)
  • Cost per month ranges from $128 to $512 – 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 – $840 (Winston-Salem average) versus $966 (North Carolina average)
  • Insurance rates decline considerably between ages 20 and 30 – The average 30-year-old Winston-Salem, North Carolina, driver will pay $1,596 less annually than a 20-year-old driver, $1,804 compared to $3,400.

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 Mazda CX-5, Nissan Kicks, and Subaru Crosstrek.

Average car insurance rates for those small SUVs cost $700 or less per year, or $58 per month, for full coverage.

Additional vehicles that rank very well in the cost comparison table are the Subaru Ascent, Kia Seltos, Buick Envision, and Mazda MX-5 Miata.

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 $61 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 Cost Monthly Cost
1Mazda CX-5$640$53
2Nissan Kicks$656$55
3Chevrolet Trailblazer$660$55
4Subaru Crosstrek$676$56
5Honda Passport$678$57
6Chevrolet Colorado$690$58
7Toyota C-HR$692$58
8Buick Encore$696$58
9Nissan Rogue Sport$700$58
10Buick Envision$716$60
11Hyundai Venue$716$60
12Kia Seltos$716$60
13Ford Maverick$720$60
14Acura RDX$722$60
15Subaru Ascent$722$60
16Toyota Corolla Cross$722$60
17Hyundai Kona$726$61
18Volkswagen Tiguan$728$61
19Mazda MX-5 Miata$730$61
20Subaru Forester$730$61

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Winston Salem, NC.Data last updated on June 23, 2022
    Cheapest Car Insurance Rates in Winston-Salem

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Winston Salem car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Winston Salem Zip Codes.Data last updated on June 23, 2022
    Average Winston-Salem, NC, Car Insurance Rates by Automotive Segment
    Winston Salem Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$786$66
    Midsize Pickup$806$67
    Minivan$846$71
    Midsize SUV$850$71
    Compact Car$868$72
    Midsize Car$876$73
    Half-ton Pickup$914$76
    Large SUV$946$79
    Compact Luxury SUV$946$79
    Compact Luxury Car$956$80
    Large Car$970$81
    Heavy Duty Pickup$1,004$84
    Midsize Luxury SUV$1,016$85
    Midsize Luxury Car$1,114$93
    Sports Car$1,186$99
    Large Luxury SUV$1,270$106
    Large Luxury Car$1,330$111

    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 Subaru Impreza costing $732 per year for full coverage insurance up to the Toyota Mirai costing $1,090 per year.

    Also, in the sports car segment, the average cost of insurance ranges from the Mazda MX-5 Miata costing $730 per year up to the Nissan GT-R at $1,742 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 Subaru Impreza at $732 per year, Chevrolet Spark at $734 per year, Volkswagen Golf at $810 per year, and Subaru Legacy at $816 per year.

    Not the cheapest, but still in the top 10, are cars like the Honda Insight, Kia K5, Toyota Camry, and Nissan Sentra, with average insurance cost of $826 per year or less.

    Ranking between positions 10 and 20, cars like the Hyundai Accent, Hyundai Veloster, Mazda 6, Toyota Prius, and Mazda 3 cost between $826 and $876 to insure per year in Winston-Salem.

    On a monthly basis, full-coverage insurance in this segment will start around $61 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 Subaru Impreza at $732 per year. For midsize models, the Subaru Legacy is the cheapest model to insure at $816 per year. And for full-size non-luxury cars, the Toyota Avalon has the cheapest car insurance rates at $884 per year.

    The table below ranks the twenty cars with the lowest-cost insurance in Winston-Salem, starting with the Subaru Impreza at $732 per year ($61 per month) and ending with the Chevrolet Malibu at $876 per year ($73 per month).

    Cheapest Car Insurance in Winston-Salem, NC
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$732$61
    Chevrolet SparkCompact$734$61
    Volkswagen GolfCompact$810$68
    Subaru LegacyMidsize$816$68
    Volkswagen JettaCompact$818$68
    Honda InsightMidsize$820$68
    Nissan SentraCompact$822$69
    Toyota CamryMidsize$826$69
    Toyota CorollaCompact$828$69
    Kia K5Midsize$830$69
    Honda CivicCompact$832$69
    Kia RioCompact$832$69
    Volkswagen PassatMidsize$832$69
    Mazda 3Compact$838$70
    Mazda 6Midsize$840$70
    Toyota PriusCompact$840$70
    Hyundai AccentCompact$852$71
    Hyundai VelosterCompact$862$72
    Kia ForteCompact$862$72
    Chevrolet MalibuMidsize$876$73

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Winston Salem, NC.Data last updated on June 23, 2022
      Cheapest Car Insurance in Winston-Salem, NC

      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 Mazda CX-5 at $640 per year, Nissan Kicks at $656 per year, Chevrolet Trailblazer at $660 per year, and Honda Passport at $678 per year.

      Not the cheapest SUVs to insure, but still very reasonable, are SUVs like the Nissan Rogue Sport, Hyundai Venue, Buick Envision, and Toyota C-HR, with average annual insurance rates of $716 per year or less.

      Ranked in the bottom half of the top 20 cheapest SUVs to insure, SUVs like the Subaru Ascent, Hyundai Kona, Honda CR-V, Volkswagen Tiguan, Kia Seltos, and Toyota Corolla Cross average between $716 and $758 to insure per year.

      Full-coverage auto insurance in Winston-Salem for this segment starts at an average of $53 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 Mazda CX-5 at $640 per year, or $53 per month. For midsize 2022 models, the Honda Passport is cheapest to insure at $678 per year, or $57 per month. And for full-size SUVs, the Chevrolet Tahoe has the most affordable rates at $844 per year, or $70 per month.

      The next table ranks the SUVs with the lowest-cost average auto insurance rates in Winston-Salem, starting with the Mazda CX-5 at $53 per month and ending with the Ford Edge at $63 per month.

      Cheapest SUV Insurance in Winston-Salem, NC
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$640$53
      Nissan KicksCompact$656$55
      Chevrolet TrailblazerCompact$660$55
      Subaru CrosstrekCompact$676$56
      Honda PassportMidsize$678$57
      Toyota C-HRCompact$692$58
      Buick EncoreCompact$696$58
      Nissan Rogue SportCompact$700$58
      Buick EnvisionCompact$716$60
      Hyundai VenueCompact$716$60
      Kia SeltosCompact$716$60
      Subaru AscentMidsize$722$60
      Toyota Corolla CrossCompact$722$60
      Hyundai KonaCompact$726$61
      Volkswagen TiguanCompact$728$61
      Subaru ForesterCompact$730$61
      Honda CR-VCompact$736$61
      Mazda CX-30Compact$744$62
      Honda HR-VCompact$756$63
      Ford EdgeMidsize$758$63

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Winston Salem, NC.Data last updated on June 23, 2022
        Cheapest SUV Insurance in Winston-Salem, NC

        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 ILX, Acura TLX, Volvo S60, BMW 330i, and Mercedes-Benz A220. Auto insurance prices for these vehicles average $902 or less per year.

        Not the cheapest to insure, but still ranked well, are cars like the Alfa Romeo Giulia, BMW 228i, BMW 330e, and BMW 230i, with average cost of $932 per year or less.

        Ranked in the bottom half of the top 20 cheapest luxury cars to insure, cars like the Mercedes-Benz AMG CLA35, Mercedes-Benz AMG CLA45, Audi S3, Lexus RC 350, Cadillac CT4, and BMW i4 average between $932 and $976 per year for full-coverage insurance.

        On a monthly basis, full-coverage car insurance in this segment will start around $65 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/Model Vehicle Size Annual Cost Monthly Cost
        Acura ILXMidsize$774$65
        Mercedes-Benz A220Compact$826$69
        BMW 330iCompact$888$74
        Acura TLXCompact$896$75
        Volvo S60Compact$902$75
        BMW 330eCompact$906$76
        BMW 228iCompact$910$76
        BMW 230iCompact$918$77
        Alfa Romeo GiuliaCompact$932$78
        Lexus RC 300Midsize$932$78
        Cadillac CT4Compact$936$78
        Lexus RC 350Compact$936$78
        Genesis G70Compact$952$79
        Mercedes-Benz AMG CLA35Midsize$954$80
        BMW i4Midsize$958$80
        Cadillac CT5Midsize$964$80
        Audi A3Midsize$976$81
        Audi A4Compact$976$81
        Audi S3Compact$976$81
        Mercedes-Benz AMG CLA45Midsize$976$81

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Winston Salem, NC.Data last updated on June 23, 2022
          Cheapest Luxury Car Insurance in Winston-Salem, NC

          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 Cadillac XT5, Acura RDX, Lexus NX 250, Cadillac XT4, and Volvo XC40. Auto insurance prices for these vehicles average $838 or less per year.

          Some other luxury SUVs that have affordable insurance rates are the BMW X1, Lexus NX 350h, Lexus NX 350, and Lexus UX 200, with an average cost to insure of $862 per year or less.

          Ranked in the lower half of the top 20, models like the Jaguar E-Pace, Lincoln Corsair, Acura MDX, Land Rover Evoque, Lincoln Nautilus, and Lexus RX 350 average between $862 and $890 per year for auto insurance.

          From a monthly standpoint, car insurance rates in this segment for the average driver will start around $60 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/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$722$60
          Cadillac XT4Compact$740$62
          Volvo XC40Compact$808$67
          Cadillac XT5Midsize$826$69
          BMW X1Compact$836$70
          Lexus NX 250Compact$838$70
          Lexus NX 350hCompact$842$70
          Lexus UX 250hCompact$844$70
          Lexus NX 350Compact$856$71
          Jaguar E-PaceMidsize$860$72
          Lexus UX 200Compact$862$72
          Lexus RX 350Midsize$866$72
          Acura MDXMidsize$870$73
          Lincoln NautilusMidsize$878$73
          Lexus NX 450hCompact$880$73
          Lexus RX 450hMidsize$886$74
          Mercedes-Benz GLB 250Compact$886$74
          Infiniti QX50Midsize$890$74
          Land Rover EvoqueCompact$890$74
          Lincoln CorsairCompact$890$74

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Winston Salem, NC.Data last updated on June 23, 2022
            Cheapest Luxury SUV Insurance in Winston-Salem, NC

            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, Ford Mustang, BMW Z4, Subaru WRX, and Toyota GR86. Rates for for these models range from $730 to $982 per year.

            Other models that have affordable average insurance rates include the Audi TT, Chevrolet Corvette, Subaru BRZ, and BMW M3, with an average cost of $1,090 per year or less.

            Ranking between positions 10 and 20, models like the Jaguar F-Type, Porsche Taycan, Dodge Challenger, Chevrolet Camaro, Lexus RC F, and BMW M4 cost between $1,090 and $1,388 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 $61 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 $730 per year ($61 per month) and ending with the Lexus LC 500 at $1,388 per year ($116 per month).

            Cheapest Sports Car Insurance in Winston-Salem, NC
            Make/Model Vehicle Type Annual Cost Monthly Cost
            Mazda MX-5 MiataSports Car$730$61
            Ford MustangSports Car$886$74
            BMW Z4Sports Car$906$76
            Subaru WRXSports Car$958$80
            Toyota GR86Sports Car$982$82
            Toyota GR SupraSports Car$1,006$84
            Audi TTSports Car$1,026$86
            Subaru BRZSports Car$1,058$88
            Chevrolet CorvetteSports Car$1,060$88
            BMW M3Sports Car$1,090$91
            Porsche 718Sports Car$1,136$95
            Chevrolet CamaroSports Car$1,164$97
            Dodge ChallengerSports Car$1,196$100
            Lexus RC FSports Car$1,196$100
            Mercedes-Benz AMG GT53Sports Car$1,214$101
            Jaguar F-TypeSports Car$1,272$106
            Porsche TaycanSports Car$1,304$109
            Porsche 911Sports Car$1,338$112
            BMW M4Sports Car$1,340$112
            Lexus LC 500Sports Car$1,388$116

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Winston Salem, NC.Data last updated on June 23, 2022
              Cheapest Sports Car Insurance in Winston-Salem, NC

              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 $690 per year, the Ford Maverick at $720 per year, and the Ford Ranger at $748 per year.

              Some other pickups that have affordable insurance rates include the Jeep Gladiator, GMC Canyon, Hyundai Santa Cruz, and Honda Ridgeline, with average annual insurance rates of $830 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 $58 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 $58 per month and ending with the GMC Sierra 3500 at $83 per month.

              Cheapest Pickup Insurance in Winston-Salem, NC
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Chevrolet ColoradoMidsize$690$58
              Ford MaverickMidsize$720$60
              Ford RangerMidsize$748$62
              Toyota TacomaMidsize$778$65
              Nissan FrontierMidsize$800$67
              GMC CanyonMidsize$810$68
              Hyundai Santa CruzMidsize$810$68
              Ford F150Full-size$812$68
              Honda RidgelineMidsize$818$68
              Jeep GladiatorMidsize$830$69
              GMC SierraFull-size$860$72
              Nissan TitanFull-size$888$74
              Chevrolet SilveradoFull-size$902$75
              Toyota TundraFull-size$908$76
              Ford F350 Super DutyHeavy Duty$916$76
              Chevrolet Silverado HD 3500Heavy Duty$920$77
              Nissan Titan XDHeavy Duty$946$79
              Ram TruckFull-size$960$80
              GMC Sierra 2500 HDHeavy Duty$982$82
              GMC Sierra 3500Heavy Duty$990$83

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Winston Salem, NC.Data last updated on June 23, 2022
                Cheapest Pickup Insurance in Winston-Salem, NC

                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 $832 per year, or around $69 per month, and varies from $692 to $1,876.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 23, 2022
                Honda Civic Insurance Cost in Winston-Salem, North Carolina
                Honda Civic Insurance Cost in Winston Salem, NC
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$1,876$156
                Safe Driver Age 20$1,644$137
                At-fault Accidents Age 40$1,174$98
                Low Deductibles Age 40$1,072$89
                Safe Driver Age 30$876$73
                Safe Driver Age 40$832$69
                Safe Driver Age 50$758$63
                Safe Driver Age 60$742$62
                High Deductibles Age 40$710$59
                Discount Rate Age 40$692$58

                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 $736 per year, or about $61 per month, and has a range of $610 to $1,676.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 23, 2022
                Honda CR-V Insurance Cost in Winston-Salem, North Carolina
                Honda CR-V Insurance Cost in Winston Salem, NC
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$1,676$140
                Safe Driver Age 20$1,468$122
                At-fault Accidents Age 40$1,042$87
                Low Deductibles Age 40$956$80
                Safe Driver Age 30$774$65
                Safe Driver Age 40$736$61
                Safe Driver Age 50$670$56
                Safe Driver Age 60$662$55
                High Deductibles Age 40$624$52
                Discount Rate Age 40$610$51

                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 $846 per year, or around $71 per month, and varies from $702 to $1,934 per year for the specific drivers in the next chart.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 23, 2022
                Toyota Highlander Insurance Cost in Winston-Salem, North Carolina
                Toyota Highlander Insurance Cost in Winston Salem, NC
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$1,934$161
                Safe Driver Age 20$1,692$141
                At-fault Accidents Age 40$1,190$99
                Low Deductibles Age 40$1,120$93
                Safe Driver Age 30$898$75
                Safe Driver Age 40$846$71
                Safe Driver Age 50$772$64
                Safe Driver Age 60$758$63
                High Deductibles Age 40$708$59
                Discount Rate Age 40$702$59

                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 $878 per year, or around $73 per month, and varies from $728 to $2,006.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 23, 2022
                Honda Accord Insurance Cost in Winston-Salem, North Carolina
                Honda Accord Insurance Cost in Winston Salem, NC
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$2,006$167
                Safe Driver Age 20$1,756$146
                At-fault Accidents Age 40$1,240$103
                Low Deductibles Age 40$1,150$96
                Safe Driver Age 30$924$77
                Safe Driver Age 40$878$73
                Safe Driver Age 50$798$67
                Safe Driver Age 60$786$66
                High Deductibles Age 40$740$62
                Discount Rate Age 40$728$61

                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 $1,164 per year, or around $97 per month, and has a range of $964 to $2,638 for the driver ages and coverage limits displayed in the next chart.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 23, 2022
                Chevrolet Camaro Insurance Cost in Winston-Salem, North Carolina
                Chevrolet Camaro Insurance Cost in Winston Salem, NC
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$2,638$220
                Safe Driver Age 20$2,312$193
                At-fault Accidents Age 40$1,648$137
                Low Deductibles Age 40$1,496$125
                Safe Driver Age 30$1,220$102
                Safe Driver Age 40$1,164$97
                Safe Driver Age 50$1,060$88
                Safe Driver Age 60$1,040$87
                High Deductibles Age 40$994$83
                Discount Rate Age 40$964$80

                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 $250 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 $236 per year for a 40-year-old driver and $456 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 $142 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 $218 per year.