Winston-Salem, NC Car InsuranceCar insurance in Winston-Salem, NC
Winston-Salem drivers average a 21.8-minute commute, shorter than the national 26.6. Here is what that, Forsyth County's hail and the local crash record mean for your policy.
How Winston-Salem drives
The average commute in Winston-Salem is 21.8 minutes each way — shorter than the national average of 26.6. 82.7% of workers get there by car, 73.2% driving alone and 9.5% carpooling; 1.2% take public transit.
Annual mileage is a rating factor: every mile on the road is exposure. If you work from home or your commute has changed since you last bought a policy, say so — it is one of the few rating factors you can update yourself.
8.4% of Winston-Salem households have no vehicle at all. If you drive occasionally without owning a car, a non-owner policy is the cheaper way to stay covered.
Source: US Census Bureau, American Community Survey 2023 5-year (S0801, B25044).
Fatal crashes in Winston-Salem, 2019–2023
Federal records show 124 fatal crashes inside Winston-Salem city limits over those five years, in which 132 people died. 46% happened after dark. 24 involved a pedestrian.
This is why liability limits matter more than the premium difference suggests. The state minimum is the least you can legally carry, not a measure of what a serious crash costs — and anything above your limit is yours to pay.
Source: NHTSA Fatality Analysis Reporting System (FARS), 2019-2023. FARS records every fatal crash on a public road in the US.
Which roads, and what it means for your limits →
Own a home in Winston-Salem? Flood zones, hail history and rebuild costs for Winston-Salem homes are at winstonsalemhomeownersinsurance.com.