1. Winston-Salem, North Carolina
Average Annual Premium: $969.10
Winston-Salem is the only city in the country to have an annual car insurance premium under $1,000.00. With a population of 236,441, Winston-Salem is the second largest municipality in the Piedmont Triad region and the fourth largest city in the state. The city is home to Wake Forest University and R.J. Reynolds Tobacco Company. Winton-Salem is known as a transportation and manufacturing hub in the region. The city’s subtropical climate as well as the low rate of uninsured motorists allow Winston-Salem to offer the lowest car insurance rates in the U.S.