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How Gender Affects the Cost of Car Insurance in Winston Salem, North Carolina

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If you want to know how much car insurance costs in Winston-Salem, you should first look at the average annual mileage. This statistic is determined by the Federal Highway Administration, and the average North Carolina driver logs about 15,375 miles per year. This is slightly more than the national average of 14,132 miles per year. This figure may be inaccurate, however, as most major insurance companies don’t penalize drivers for driving higher mileage. The only exception to this rule is State Farm, which adds $15 per thousand miles.

Average car insurance rates in Winston-Salem

If you are looking for the lowest possible car insurance premiums, you may be surprised to learn that gender has little to do with the cost of insurance in Winston-Salem. The insurance company’s methodology based on national average rates assumes that every driver is male. As a result, a 40-year-old male will pay about $520 more per year for car insurance in Winston-Salem than a woman of the same age.

In addition, driving record is another factor that affects auto insurance rates. People with excellent credit tend to enjoy a 42% rate reduction when their credit improves. However, drivers with a “Fair” credit rating will pay 34% more for insurance. While Winston-Salem is a relatively safe city, it is important to secure your car. If you want to get the best possible rates, you should compare the rates of various car insurance companies online.

In Winston-Salem, traffic congestion is low. Highways in the city were only 16 percent congested compared to other cities, but motorists will spend extra time stuck in traffic during peak hours. It may seem like a small thing, but it makes a difference. In addition to being less congested than other cities, Winston-Salem drivers also enjoy low-speed streets.

While the cost of car insurance in Winston-Salem is slightly higher than the national average, this city still offers lower costs than most of the state. Considering the city’s proximity to the mountains, Atlantic coast, and a variety of sports teams, the average car insurance rate in Winston-Salem is still $1,267 a year. This is significantly less than the $1,548 national average.

While you may be happy with Liberty Mutual’s average Winston-Salem car insurance rate, it is important to shop around for the lowest possible premium. Keep in mind that every quote is unique, so it is recommended that you get several quotes. Also, be aware that you must notify the Division of Motor Vehicles if you cancel your policy. Failure to carry adequate car insurance may result in a suspension of your driver’s license and fines.

Variations in rates based on age

In the state of North Carolina, you can find the lowest Winston Salem car insurance rates by being a senior. The average age of drivers is 35. Senior citizens typically receive lower rates than young drivers. Age is another factor that determines the price of insurance, so it is a good idea to shop around for the lowest premium. Besides age, zip code plays an important role in the cost of Winston Salem car insurance. People who live in a specific zip code will pay a higher rate than people who live in other parts of the city.

The risk level of the driver plays a part in how much car insurance costs in Winston Salem. Males pay more on average than females. This is because the insurance industry equates higher profile with lower risk. However, Winston-Salem has a relatively low crime rate, which should make it easier to find affordable car insurance for a senior citizen. However, if you want to drive in Winston-Salem without any problems, it is important to shop around and compare rates before making a decision.

As a senior citizen, you may qualify for discounts that reduce your Winston Salem car insurance rates. You may be eligible for discounts based on your age, gender, or driving record. If you are a veteran or have been in the military, you may be eligible for the maximum discount from USAA. If you have been in the military for more than 10 years, you might be eligible for a discount through Liberty Mutual, Geico, or Nationwide. Remember, however, that Winston-Salem car insurance rates are not the same as those in North Carolina.

Older drivers are considered to be lower risk drivers. Having an excellent credit score will reduce your rate. Young drivers may be inexperienced or reckless, but they usually have less experience behind the wheel. If you’re young, you may pay higher premiums. As you get older, your risk level will decline significantly. If you’re a senior citizen, your rates will be lower than the average for the entire city.

Marital status

If you’re looking for the best car insurance quotes in Winston-Salem, North Carolina, look no further. The Forsyth County Register of Deeds accepts business, bank, and money orders, and uses a sliding scale of premiums based on marital status. In order to qualify for this type of insurance, you must be married or cohabiting and have a no claims bonus. You should also have no accidents and have a complete no claims bonus.

If you are a veteran, you may be eligible for discounts on your car insurance. Most Winston-Salem residents served in the Vietnam or Second Gulf War. Among the top insurers for military personnel, USAA is the most affordable. Other companies include Liberty Mutual, Progressive, Nationwide, and Geico. Keep in mind that Winston-Salem rates may differ from the rates you’ll find in North Carolina, and that you may qualify for other discounts or reductions.

In Winston-Salem, married drivers pay an average of $847 annually on their auto insurance. This is less than the state and national average of $1,548. Your marital status, age, and credit score also affect your car insurance rates. Those who are married are less likely to file insurance claims and are therefore considered less of a risk. However, there are other factors besides gender that may impact your insurance premium.

Homeownership does not affect your auto insurance rates directly, but it does reflect your financial stability. If you own your home, you may qualify for discounts. Be sure to ask your insurance agent for details. Winston-Salem’s median property value is $142,200, which is lower than the national average of $193,500, but this does not mean that Winston-Salem residents have a higher risk.


When it comes to car insurance, gender does play a significant role. While some states, like Hawaii and Massachusetts, no longer base rates on gender, others still do. The following table breaks down the average monthly auto insurance rates by gender for Winston-Salem residents. Listed below are some statistics to help you understand how age and gender affect auto insurance rates. You can use these statistics to compare the rates of different Winston-Salem insurance providers.

The amount of coverage you need can vary widely depending on the type of vehicle you drive. A minimum liability policy may be all you need to stay within state limits. However, if you want more coverage, you can choose to go for a more comprehensive policy. Some policies also include rental coverage or roadside assistance. Remember, that each insurance company has its own complex model to price risk and calculate premiums. The difference in Winston-Salem car insurance rates is only one dollar per year.

As a general rule, female drivers have lower car insurance rates than males. Men pay on average $44 more per month than female drivers. If you’re a woman, you can expect your insurance premium to be around $460 less than the statewide average. Of course, the higher age and gender of the driver you insure will also impact your rate. It is important to understand that gender has a large impact on your insurance costs.

The median income in Winston-Salem is significantly lower than the average in North Carolina. However, the cost of auto insurance is a greater percentage of income for homeowners, and higher incomes mean lower premiums for them. Regardless of your gender, it is important to understand the nuances of your own auto insurance rates. By knowing the demographics of the Winston-Salem area, you’ll be better able to compare quotes from many different insurance providers and save money on the process. It’s never too late to get the coverage you need. So take advantage of this city’s diversity and learn more about your options for comparing auto insurance rates.

You might be surprised at how much you’ll pay for your Winston-Salem car insurance. This North Carolina city has one of the lowest crime rates in the country. Crime, uninsured drivers, and auto theft all contribute to your car insurance premiums. For this reason, you’ll want to get a comprehensive insurance policy in Winston-Salem. You can use ZIP codes to compare car insurance rates and make sure you get the best coverage for your budget.