Affordable Car Insurance Rates in Winchester, VA (2024)
Car insurance rates in Winchester, VA are $183/month on average. By law, Virginia drivers need to carry at least 25/50/20 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Winchester car insurance companies to get the coverage you need at the best rates available.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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 car insurance rates in Winchester, VA are $183/month
- The cheapest car insurance company in Winchester for teen drivers is Geico
- Average car insurance rates in Winchester, VA for senior drivers are $1,271/year
Average car insurance rates in Winchester, Virginia are $183 a month. But with a little research you can get a great deal from the top car insurance companies in Winchester, VA. Before you buy Winchester, Virginia car insurance, make sure your coverage meets or exceeds the Virginia minimum of 25/50/20.
It may even be helpful to compare Winchester car insurance rates with Portsmouth car insurance rates, Hampton car insurance rates, or Norfolk car insurance rates to make sure you’re getting the best Winchester, VA car insurance quotes available.
Need affordable Winchester, VA car insurance? Enter your ZIP code to compare Winchester car insurance quotes from multiple car insurance companies near you.
Winchester, VA Minimum Car Insurance Coverage
Winchester, Virginia law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.
| 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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Winchester, VA Car Insurance Rates by Coverage Level
Some Winchester drivers can get by with the Virginia minimum coverage of 25/50/20. Other drivers may need more. See how much your Winchester, Virginia car insurance rates may be based on the coverage you need.
| 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 |
Winchester, VA Car Insurance Rates by Age, Gender, and Marital Status
Winchester, Virginia car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Winchester, VA car insurance, get quotes from multiple car insurance companies in the Winchester area and see how these criteria affect your rates.
| 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 |
Winchester, VA Car Insurance Rates for Teens
How much is Winchester, Virginia car insurance for teens? Compare rates from top Winchester car insurance companies below to help find the cheapest teen car insurance in Winchester, VA.
| 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 |
Winchester, VA Car Insurance Rates for Seniors
Before seniors buy Winchester, Virginia car insurance, they should make sure to shop around. Some Winchester, VA car insurance companies may offer discounts or other savings options for senior car insurance.
| 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 |
Winchester, VA Car Insurance Rates by Credit History
How does your credit history affect Winchester, VA car insurance rates? Review the numbers here to find out.
| 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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Winchester, VA Car Insurance Rates by Driver History
How does a single speeding ticket affect your Winchester, Virginia car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Winchester.
| 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 |
Winchester, VA Car Insurance Rates With a DUI
Even a single DUI can increase your Winchester, VA car insurance rates. Compare rates below to see which Winchester car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,552 |
| Geico | $2,874 |
| Nationwide | $2,504 |
| Progressive | $2,249 |
| State Farm | $2,009 |
| USAA | $2,432 |
Winchester, VA Car Insurance Rates by ZIP Code
Just like Winchester car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Winchester, VA car insurance rates fluctuate by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 22601 | $1,889 |
| 22602 | $1,928 |
| 22603 | $1,913 |
Winchester, VA Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Winchester, VA car insurance rates may be. Let’s take a look at average car insurance rates from top Winchester companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 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 |
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Winchester, VA Cheapest Car Insurance Rates
How do the top Winchester, Virginia car insurance companies’ average rates stack up against the Winchester average monthly car insurance rates of $183? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Progressive |
| Clean Record | USAA |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
Winchester, VA Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Winchester, Virginia car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,239 |
| Geico | $1,921 |
| Nationwide | $1,969 |
| Progressive | $2,209 |
| State Farm | $2,009 |
| USAA | $1,831 |
Other Factors Affecting Winchester, VA Car Insurance Rates
Before you buy Winchester, Virginia car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Winchester, VA Commute Time
How does your Winchester, VA commute time compare with the average driver? In Winchester, the average commute is 25.6 minutes.
Winchester, VA Traffic
Spending time in Winchester traffic can lead to higher car insurance rates. According to INRIX data, Winchester, VA ranks as the 183rd-most congested with traffic in the world.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Winchester, VA Car Insurance Quotes
Compare Winchester, VA car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.