Best Cheap Auto Insurance in Winchester, VA (2021)

The average Winchester, VA auto insurance rates are $183 per month. The minimum auto insurance in Winchester is at least 25/50/20 in coverage to comply with Virginia auto insurance laws. To find the best cheap auto insurance in Winchester, Virginia, compare quotes from multiple companies.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 17, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • Average auto insurance rates in Winchester, VA for senior drivers are $1,271 per year
  • The minimum auto insurance required in Winchester, Virginia is 25/50/20
  • The average commute length in Winchester is 25.6 minutes

Winchester, Virginia auto insurance requirements are 25/50/20 according to Virginia auto insurance laws. Finding cheap auto insurance in Winchester can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Winchester, Virginia, including driving record, credit, commute time, and more.

Compare auto insurance in Winchester to other Virginia cities, including Suffolk auto insurance rates, Newport News auto insurance rates, and Richmond auto insurance rates to see how Winchester, Virginia auto insurance rates stack up.

Before you buy Winchester, Virginia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Winchester, Virginia auto insurance quotes.

Minimum Auto Insurance in Winchester, Virginia

Winchester, Virginia auto insurance laws require that you have at least the Virginia minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Winchester, Virginia.

Minimum Required Auto Insurance Coverage in Winchester, Virginia

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Cheap Winchester, Virginia Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Winchester, Virginia are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Winchester, Virginia

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,958 $1,850 $1,945 $1,945 $6,098 $7,026 $2,542 $2,551
GEICO $1,375 $1,373 $1,304 $1,304 $2,916 $3,915 $1,600 $1,584
Nationwide $1,366 $1,374 $1,214 $1,247 $3,238 $4,169 $1,505 $1,637
Progressive $1,110 $1,057 $1,006 $1,008 $5,076 $5,696 $1,343 $1,376
State Farm $1,233 $1,233 $1,111 $1,111 $3,720 $4,662 $1,393 $1,609
USAA $1,095 $1,077 $1,026 $1,031 $3,408 $4,052 $1,408 $1,547

Cheap Winchester, Virginia Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Winchester, Virginia is a challenge. Take a look at the annual teen auto insurance rates in Winchester, Virginia.

Annual Auto Insurance Rates for Teen Drivers in Winchester, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,098 $7,026
GEICO $2,916 $3,915
Nationwide $3,238 $4,169
Progressive $5,076 $5,696
State Farm $3,720 $4,662
USAA $3,408 $4,052

Cheap Winchester, Virginia Auto Insurance for Seniors

What are senior auto insurance rates in Winchester, Virginia? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Winchester, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,945 $1,945
GEICO $1,304 $1,304
Nationwide $1,214 $1,247
Progressive $1,006 $1,008
State Farm $1,111 $1,111
USAA $1,026 $1,031

Cheap Winchester, Virginia Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Winchester, Virginia compared to the annual auto insurance rates with a clean record in Winchester, Virginia.

Annual Winchester, Virginia Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,432 $3,848 $3,552 $3,126
GEICO $1,458 $1,894 $2,874 $1,458
Nationwide $1,714 $1,714 $2,504 $1,943
Progressive $1,888 $2,502 $2,249 $2,197
State Farm $1,834 $2,184 $2,009 $2,009
USAA $1,417 $1,841 $2,432 $1,632

Cheap Winchester, Virginia Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Winchester, Virginia is not easy. Compare the annual rates for DUI auto insurance in Winchester, Virginia to find the best deal.

Annual Auto Insurance Rates After a DUI in Winchester, Virginia

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,552
GEICO $2,874
Nationwide $2,504
Progressive $2,249
State Farm $2,009
USAA $2,432

Cheap Winchester, Virginia Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Winchester, Virginia annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Winchester, Virginia

Insurance Company Poor Fair Good
Allstate $3,947 $3,162 $2,610
GEICO $2,135 $1,815 $1,815
Nationwide $2,333 $1,873 $1,700
Progressive $2,460 $2,154 $2,014
State Farm $2,855 $1,772 $1,400
USAA $2,445 $1,668 $1,378

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Cheap Winchester, Virginia Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Winchester, Virginia can vary. Compare the annual cost of auto insurance by ZIP code in Winchester, Virginia to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Winchester, Virginia

ZIP Code Average Annual Rates
22601 $1,889
22602 $1,928
22603 $1,913

Cheap Winchester, Virginia Auto Insurance Rates By Commute

Commute length and annual mileage affect Winchester, Virginia auto insurance. Find the cheapest annual Winchester, Virginia auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Winchester, Virginia

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,142 $3,337
GEICO $1,885 $1,957
Nationwide $1,969 $1,969
Progressive $2,209 $2,209
State Farm $1,961 $2,057
USAA $1,763 $1,898

Cheap Winchester, Virginia Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Winchester, Virginia? Check out the comparison of annual Winchester, Virginia auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Winchester, Virginia

Insurance Company Low Medium High
Allstate $3,158 $3,241 $3,320
GEICO $1,857 $1,920 $1,987
Nationwide $2,072 $1,949 $1,885
Progressive $2,129 $2,190 $2,308
State Farm $1,895 $2,005 $2,127
USAA $1,756 $1,834 $1,901

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Best By Category: Cheapest Auto Insurance in Winchester, Virginia

Compare the cheapest auto insurance companies in Winchester, Virginia in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Winchester, Virginia

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation GEICO

The Cheapest Winchester, Virginia Auto Insurance Companies

What auto insurance companies in Winchester, Virginia are the cheapest? Compare the top Winchester, Virginia auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Winchester, Virginia

Insurance Company Average Annual Rates
Allstate $3,239
GEICO $1,921
Nationwide $1,969
Progressive $2,209
State Farm $2,009
USAA $1,831

What affects auto insurance rates in Winchester, Virginia?

There are a lot of reasons why auto insurance rates in Winchester, Virginia are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Winchester, Virginia. Many local factors may affect your Winchester auto insurance rates.

Winchester Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Winchester, Virginia commute length is 25.6 minutes according to City-Data.

Winchester Traffic

How does Winchester, Virginia rank for traffic? According to Inrix Winchester, Virginia is the 183rd most congested worldwide.

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Compare Winchester, Virginia Auto Insurance Quotes

Before you buy Winchester, Virginia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Winchester, Virginia auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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