Compare Winchester, IL Car Insurance Rates (2021)

Car insurance in Winchester, IL averages $255 a month. Winchester, Illinois car insurance requirements are 25/50/20, 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, IL.

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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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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 State Farm
  • The cheapest car insurance company in Winchester for teen drivers is Travelers
  • Average car insurance rates in Winchester, IL after a DUI are $3,564/year

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

You’ll find Winchester car insurance rates, the cheapest Winchester, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Winchester, Illinois car insurance rates to Aurora car insurance rates, Cicero car insurance rates, and Naperville car insurance rates.

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

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

How do age, gender, and marital status affect Winchester, IL car insurance rates? Every Winchester, Illinois 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, Illinois

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 $3,259 $3,274 $3,383 $3,383 $8,257 $10,766 $3,916 $4,232
American Family $2,262 $2,262 $2,060 $2,060 $6,169 $8,642 $2,262 $2,908
Farmers $2,360 $2,364 $2,104 $2,214 $9,492 $9,883 $2,685 $2,823
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,327 $1,433 $1,107 $1,235 $4,213 $4,682 $1,388 $1,468
Nationwide $1,704 $1,739 $1,515 $1,610 $4,566 $5,881 $1,972 $2,139
Progressive $2,178 $2,109 $1,795 $1,855 $6,873 $7,762 $2,612 $2,818
State Farm $1,338 $1,338 $1,180 $1,180 $3,616 $4,603 $1,507 $1,723
Travelers $1,375 $1,452 $1,228 $1,310 $3,643 $4,480 $1,463 $1,541
USAA $1,677 $1,708 $1,559 $1,537 $5,422 $5,984 $2,212 $2,433

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Minimum Car Insurance in Winchester, IL

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

Minimum Required Car Insurance Coverage in Winchester, Illinois

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

Cheapest Winchester, IL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Winchester, IL. 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, Illinois

Insurance Company Poor Fair Good
Allstate $6,472 $4,648 $4,056
American Family $4,785 $3,228 $2,721
Farmers $4,840 $4,038 $3,844
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,980 $1,857 $1,483
Nationwide $3,154 $2,540 $2,228
Progressive $4,017 $3,379 $3,105
State Farm $2,996 $1,794 $1,392
Travelers $2,531 $2,010 $1,644
USAA $3,753 $2,575 $2,121

Cheapest Winchester, IL 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, IL to rates for a clean record with top companies.

Annual Winchester, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,694 $6,093 $5,679 $4,770
American Family $2,627 $3,743 $4,960 $2,983
Farmers $3,591 $4,603 $4,489 $4,281
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,760 $2,482 $2,190 $1,995
Nationwide $2,125 $2,754 $3,240 $2,443
Progressive $2,908 $4,205 $3,208 $3,679
State Farm $1,898 $2,223 $2,061 $2,061
Travelers $1,655 $2,148 $2,378 $2,066
USAA $2,007 $2,885 $3,953 $2,421

Cheapest Winchester, IL Car Insurance for Teen Drivers

Teen car insurance in Winchester, IL 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, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,257 $10,766
American Family $6,169 $8,642
Farmers $9,492 $9,883
GEICO $4,847 $5,129
Liberty Mutual $4,213 $4,682
Nationwide $4,566 $5,881
Progressive $6,873 $7,762
State Farm $3,616 $4,603
Travelers $3,643 $4,480
USAA $5,422 $5,984

Cheapest Winchester, IL Car Insurance for Seniors

Take a look at Winchester, IL 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, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,383 $3,383
American Family $2,060 $2,060
Farmers $2,104 $2,214
GEICO $1,521 $1,797
Liberty Mutual $1,107 $1,235
Nationwide $1,515 $1,610
Progressive $1,795 $1,855
State Farm $1,180 $1,180
Travelers $1,228 $1,310
USAA $1,559 $1,537

Cheapest Winchester, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Winchester, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,679
American Family $4,960
Farmers $4,489
GEICO $3,482
Liberty Mutual $2,190
Nationwide $3,240
Progressive $3,208
State Farm $2,061
Travelers $2,378
USAA $3,953

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Cheapest Winchester, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Winchester, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,059 $5,059
American Family $3,531 $3,625
Farmers $4,241 $4,241
GEICO $2,519 $2,617
Liberty Mutual $2,107 $2,107
Nationwide $2,641 $2,641
Progressive $3,500 $3,500
State Farm $2,009 $2,112
Travelers $1,982 $2,141
USAA $2,737 $2,896

The Best Cheap Car Insurance Companies in Winchester, IL

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

Average Annual Car Insurance Rates by Company in Winchester, Illinois

Insurance Company Average Annual Rates
Allstate $5,059
American Family $3,578
Farmers $4,241
GEICO $2,568
Liberty Mutual $2,107
Nationwide $2,641
Progressive $3,500
State Farm $2,061
Travelers $2,062
USAA $2,816

Category Winners: Cheapest Car Insurance in Winchester, Illinois

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

Best Annual Car Insurance Rates by Company in Winchester, Illinois

Category Insurance Company
Teenagers Travelers
Seniors Liberty Mutual
Clean Record Travelers
With 1 Accident Travelers
With 1 DUI State Farm
With 1 Speeding Violation Liberty Mutual

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Cheapest Winchester, IL 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, IL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Winchester, Illinois

Insurance Company Low Medium High
Allstate $4,928 $5,055 $5,194
American Family $3,487 $3,708 $3,540
Farmers $4,061 $4,156 $4,506
GEICO $2,377 $2,564 $2,762
Liberty Mutual $1,996 $2,102 $2,222
Nationwide $2,646 $2,657 $2,619
Progressive $3,278 $3,493 $3,729
State Farm $1,965 $2,063 $2,154
Travelers $1,958 $2,059 $2,167
USAA $2,632 $2,814 $3,004

What affects car insurance rates in Winchester, Illinois?

What factors can have an impact on Winchester, IL 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, Illinois.

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, IL is 26.2 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, IL traffic data from INRIX ranks Winchester as the 183rd-most congested in the world.

Compare Car Insurance Quotes in Winchester, IL

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

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Average Monthly Car Insurance Rates by State