Compare average insurance rates in Winston-Salem for 2026
🏠
Home
$1848
/year
🚗
Auto
$1408
/year
🏥
Health
$579
/month
💰
Life
$23
/month
🏢
Renters
$15
/month
Home Insurance in Winston-Salem, NC
The average cost of homeowners insurance in Winston-Salem, North Carolina is $1,848 per year in 2026. This compares to the state average of $2,100 per year.
$1,848per year (avg in Winston-Salem)
$1144NC avg: $2,100$2728
Factors Affecting Home Insurance in Winston-Salem
🏠
Home Value Average: $310,000
🌪
Weather Risk high
🌊
Flood Zone 14% of properties
📈
Cost Index 0.88 (100 = national avg)
⚠️
Hurricane Zone: Winston-Salem is located in a hurricane-prone area. Home insurance premiums may include wind and storm surcharges. Coastal surcharges may apply to properties near the shoreline.
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$248,000
$124,000
$100,000
$1,386
Standard (HO-3)
$310,000
$155,000
$300,000
$1,848
Premium (HO-5)
$387,500
$232,500
$500,000
$2,494
Auto Insurance in Winston-Salem, NC
The average annual cost of auto insurance in Winston-Salem is $1,408, compared to the North Carolina state average of $1,600.
$1,408per year (avg in Winston-Salem)
$880NC avg: $1,600$2024
📋
Minimum Coverage in North Carolina: 30/60/25
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$774
Full Coverage
100/300/100
$500 deductible
$500 deductible
$1,408
Premium
250/500/250
$250 deductible
$250 deductible
$1,830
Health Insurance in Winston-Salem, NC
The average monthly health insurance premium in Winston-Salem is $579 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$579per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$416
$7,000
$9,100
Healthy, low usage
Silver
$579
$4,500
$9,100
Moderate usage
Gold
$723
$1,650
$8,700
Regular medical needs
Platinum
$868
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Winston-Salem
💰 Life Insurance
$23
per month (20-year term, $500K)
Life insurance rates in North Carolina are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $23/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$15
per month (avg in Winston-Salem)
Renters insurance in Winston-Salem covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Winston-Salem
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Winston-Salem, NC is $1,848 per year for a standard HO-3 policy. Rates range from $1,144 to $2,728 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Winston-Salem is $1,408 per year for full coverage. Liability-only coverage averages around $634 per year. North Carolina requires minimum coverage of 30/60/25.
Insurance costs in Winston-Salem are below the national average (cost index: 0.88). Home insurance averages $1,848/yr and auto insurance $1,408/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 0.88), hurricane exposure, average home values ($310,000), your personal claims history, credit score, and at-fault insurance laws in North Carolina.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Winston-Salem residents can potentially save $651+ per year.
North Carolina requires minimum auto liability coverage of 30/60/25 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
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