Compare Winchester, AR Car Insurance Rates (2021)

Car insurance in Winchester, AR averages $363 a month. Winchester, Arkansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Winchester car insurance rates, compare quotes from the top car insurance companies in Winchester, AR.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Winchester is USAA
  • Average car insurance rates in Winchester, AR after a DUI are $5,270/year
  • The cheapest car insurance company in Winchester for teen drivers is USAA

If you need to buy Winchester, Arkansas car insurance, the options can be confusing. Everything you need to know about car insurance in Winchester, AR is right here.

You’ll find Winchester car insurance rates, the cheapest Winchester, AR car insurance companies, and information on Arkansas car insurance laws. You can also compare Winchester, Arkansas car insurance rates to Bentonville car insurance rates, Fort Smith car insurance rates, and North Little Rock car insurance rates.

Ready to find affordable Winchester, AR car insurance today? Enter your ZIP code for fast, free Winchester car insurance quotes.

Cheapest Winchester, AR Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Winchester, AR car insurance rates? Every Winchester, Arkansas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Winchester, Arkansas

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 $3,235 $3,280 $2,864 $3,074 $11,432 $13,621 $3,608 $3,925
Farmers $2,298 $2,295 $2,057 $2,157 $9,380 $9,737 $2,623 $2,770
GEICO $3,052 $3,024 $2,819 $2,740 $7,758 $7,799 $2,989 $3,031
Liberty Mutual $2,654 $2,849 $2,509 $2,805 $9,124 $10,060 $2,868 $3,014
Nationwide $2,484 $2,526 $2,235 $2,356 $6,038 $7,672 $2,847 $3,064
Progressive $2,860 $2,730 $2,346 $2,445 $11,639 $13,140 $3,424 $3,701
State Farm $1,888 $1,888 $1,671 $1,671 $5,178 $6,547 $2,121 $2,414
Travelers $2,481 $2,532 $2,428 $2,439 $14,122 $22,670 $2,641 $3,089
USAA $1,475 $1,494 $1,364 $1,379 $4,636 $4,863 $1,910 $2,065

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Minimum Car Insurance in Winchester, AR

Every driver must carry the minimum car insurance in Winchester, AR. Take a look at the Arkansas car insurance requirements.

Minimum Required Car Insurance Coverage in Winchester, Arkansas

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

Cheapest Winchester, AR Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Winchester, AR. Compare credit history car insurance rates in Winchester from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Winchester, Arkansas

Insurance Company Poor Fair Good
Allstate $7,098 $5,410 $4,382
Farmers $4,747 $3,966 $3,781
GEICO $4,975 $4,087 $3,392
Liberty Mutual $6,500 $3,900 $3,057
Nationwide $4,303 $3,479 $3,176
Progressive $6,024 $5,102 $4,732
State Farm $4,235 $2,548 $1,983
Travelers $7,530 $6,268 $5,853
USAA $3,186 $2,166 $1,843

Cheapest Winchester, AR Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Winchester, AR to rates for a clean record with top companies.

Annual Winchester, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,682 $5,861 $6,435 $5,541
Farmers $3,528 $4,507 $4,400 $4,223
GEICO $2,801 $4,317 $6,475 $3,014
Liberty Mutual $3,075 $4,955 $5,796 $4,115
Nationwide $2,852 $3,672 $4,953 $3,135
Progressive $4,564 $6,303 $4,792 $5,484
State Farm $2,699 $3,145 $2,922 $2,922
Travelers $5,493 $5,676 $8,282 $6,749
USAA $1,840 $2,334 $3,374 $2,044

Cheapest Winchester, AR Car Insurance for Teen Drivers

Teen car insurance in Winchester, AR can be expensive. Take a look at rates from the top car insurance companies in Winchester for teenagers.

Annual Car Insurance Rates for Teen Drivers in Winchester, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,432 $13,621
Farmers $9,380 $9,737
GEICO $7,758 $7,799
Liberty Mutual $9,124 $10,060
Nationwide $6,038 $7,672
Progressive $11,639 $13,140
State Farm $5,178 $6,547
Travelers $14,122 $22,670
USAA $4,636 $4,863

Cheapest Winchester, AR Car Insurance for Seniors

Take a look at Winchester, AR senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Winchester, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,864 $3,074
Farmers $2,057 $2,157
GEICO $2,819 $2,740
Liberty Mutual $2,509 $2,805
Nationwide $2,235 $2,356
Progressive $2,346 $2,445
State Farm $1,671 $1,671
Travelers $2,428 $2,439
USAA $1,364 $1,379

Cheapest Winchester, AR Car Insurance Rates After a DUI

A DUI in Winchester, AR increases car insurance rates. Compare Winchester, Arkansas DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Winchester, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,435
Farmers $4,400
GEICO $6,475
Liberty Mutual $5,796
Nationwide $4,953
Progressive $4,792
State Farm $2,922
Travelers $8,282
USAA $3,374

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Cheapest Winchester, AR Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Winchester, AR by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Winchester, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,630 $5,630
Farmers $4,165 $4,165
GEICO $4,126 $4,176
Liberty Mutual $4,485 $4,485
Nationwide $3,653 $3,653
Progressive $5,286 $5,286
State Farm $2,852 $2,992
Travelers $6,550 $6,550
USAA $2,329 $2,468

The Best Cheap Car Insurance Companies in Winchester, AR

Take a look at a side-by-side comparison of the top car insurance companies in Winchester, AR to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Winchester, Arkansas

Insurance Company Average Annual Rates
Allstate $5,630
Farmers $4,165
GEICO $4,151
Liberty Mutual $4,485
Nationwide $3,653
Progressive $5,286
State Farm $2,922
Travelers $6,550
USAA $2,398

Category Winners: Cheapest Car Insurance in Winchester, Arkansas

Find the cheapest car insurance companies in Winchester, AR for each category right here.

Best Annual Car Insurance Rates by Company in Winchester, Arkansas

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

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Cheapest Winchester, AR Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Winchester car insurance rates. Find the cheapest Winchester, AR car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Winchester, Arkansas

Insurance Company Low Medium High
Allstate $5,462 $5,627 $5,801
Farmers $3,961 $4,122 $4,411
GEICO $3,992 $4,150 $4,312
Liberty Mutual $4,330 $4,452 $4,674
Nationwide $3,644 $3,570 $3,744
Progressive $4,901 $5,203 $5,753
State Farm $2,790 $2,919 $3,057
Travelers $6,255 $6,570 $6,826
USAA $2,302 $2,390 $2,503

What affects car insurance rates in Winchester, Arkansas?

What factors can have an impact on Winchester, AR car insurance? There are several reasons why Winchester car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Winchester, Arkansas.

Commute Time in Winchester

The more time you spend in your car the higher the risk of an accident. The average commute length in Winchester, AR is 20.3 minutes according to City-Data.

Traffic in Winchester

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Winchester, AR traffic data from INRIX ranks Winchester as the 183rd-most congested in the world.

Compare Car Insurance Quotes in Winchester, AR

Ready to find affordable Winchester, Arkansas car insurance today? Enter your ZIP code for fast, free Winchester, AR car insurance quotes.

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Average Monthly Car Insurance Rates by State