Winchester, VA Auto Insurance (2024)
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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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
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.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
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.
On This Page
- 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
Frequently Asked Questions
How does filing a claim affect my auto insurance rates in Winchester, VA?
Filing an at-fault claim may increase your premiums, while non-fault claims may have a smaller impact. Check with your insurer for specific details.
Can my auto insurance policy be canceled or non-renewed in Winchester, VA?
Yes, policies can be canceled or non-renewed for reasons like non-payment, fraud, or excessive at-fault accidents.
What should I do if I’m involved in an accident in Winchester, VA?
Ensure safety, exchange information, report to your insurance company, and consult with an attorney if needed.
How can I lower my auto insurance rates in Winchester, VA?
Maintain a good driving record, choose a higher deductible, and explore available discounts.
Can I purchase additional coverage options beyond the minimum requirements in Winchester, VA?
Yes, you can purchase additional coverage options like comprehensive and collision coverage.
Are there any discounts available for auto insurance in Winchester, VA?
Yes, many discounts are available, such as multi-policy, safe driver, and good student discounts.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.