Compare Winchester, IN Car Insurance Rates (2021)

Car insurance in Winchester, IN averages $254 a month. Winchester, Indiana 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, IN.

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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 USAA
  • Average car insurance rates in Winchester, IN after a DUI are $3,625/year
  • The cheapest car insurance company in Winchester for teen drivers is USAA

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

You’ll find Winchester car insurance rates, the cheapest Winchester, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Winchester, Indiana car insurance rates to Fort Wayne car insurance rates, Indianapolis car insurance rates, and South Bend car insurance rates.

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

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

How do age, gender, and marital status affect Winchester, IN car insurance rates? Every Winchester, Indiana 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, Indiana

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 $2,394 $2,453 $2,101 $2,298 $7,309 $9,212 $2,435 $2,646
American Family $2,016 $2,016 $1,815 $1,815 $5,542 $8,024 $2,016 $2,487
Farmers $1,545 $1,528 $1,330 $1,483 $7,917 $8,431 $2,004 $2,170
GEICO $1,421 $1,418 $1,334 $1,389 $4,188 $3,889 $1,625 $1,432
Liberty Mutual $3,831 $3,831 $3,522 $3,522 $8,383 $12,656 $3,831 $5,251
Nationwide $1,539 $1,574 $1,351 $1,442 $4,458 $5,787 $1,803 $1,970
Progressive $1,431 $1,354 $1,299 $1,306 $8,386 $9,435 $1,789 $1,827
State Farm $1,339 $1,339 $1,193 $1,193 $4,055 $5,195 $1,481 $1,649
Travelers $1,044 $1,062 $977 $978 $6,342 $10,018 $1,102 $1,277
USAA $993 $979 $918 $928 $2,738 $3,074 $1,341 $1,440

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Minimum Car Insurance in Winchester, IN

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

Minimum Required Car Insurance Coverage in Winchester, Indiana

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, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Winchester, IN. 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, Indiana

Insurance Company Poor Fair Good
Allstate $4,781 $3,556 $3,231
American Family $4,398 $2,858 $2,394
Farmers $3,861 $3,138 $2,903
GEICO $2,509 $2,087 $1,665
Liberty Mutual $7,462 $4,857 $4,492
Nationwide $2,835 $2,396 $2,240
Progressive $3,698 $3,275 $3,088
State Farm $3,177 $1,895 $1,470
Travelers $3,173 $2,690 $2,687
USAA $2,099 $1,377 $1,178

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

Annual Winchester, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,080 $4,518 $4,165 $3,660
American Family $2,215 $3,546 $4,467 $2,638
Farmers $2,956 $3,446 $3,538 $3,264
GEICO $1,372 $2,152 $2,924 $1,900
Liberty Mutual $4,366 $5,151 $8,085 $4,813
Nationwide $2,144 $2,759 $2,646 $2,413
Progressive $2,519 $4,398 $3,001 $3,494
State Farm $2,129 $2,335 $2,129 $2,129
Travelers $2,424 $2,991 $3,387 $2,599
USAA $1,174 $1,665 $1,913 $1,453

Cheapest Winchester, IN Car Insurance for Teen Drivers

Teen car insurance in Winchester, IN 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, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,309 $9,212
American Family $5,542 $8,024
Farmers $7,917 $8,431
GEICO $4,188 $3,889
Liberty Mutual $8,383 $12,656
Nationwide $4,458 $5,787
Progressive $8,386 $9,435
State Farm $4,055 $5,195
Travelers $6,342 $10,018
USAA $2,738 $3,074

Cheapest Winchester, IN Car Insurance for Seniors

Take a look at Winchester, IN 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, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,101 $2,298
American Family $1,815 $1,815
Farmers $1,330 $1,483
GEICO $1,334 $1,389
Liberty Mutual $3,522 $3,522
Nationwide $1,351 $1,442
Progressive $1,299 $1,306
State Farm $1,193 $1,193
Travelers $977 $978
USAA $918 $928

Cheapest Winchester, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Winchester, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,165
American Family $4,467
Farmers $3,538
GEICO $2,924
Liberty Mutual $8,085
Nationwide $2,646
Progressive $3,001
State Farm $2,129
Travelers $3,387
USAA $1,913

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Cheapest Winchester, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Winchester, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,856 $3,856
American Family $3,178 $3,255
Farmers $3,301 $3,301
GEICO $2,049 $2,125
Liberty Mutual $5,455 $5,752
Nationwide $2,490 $2,490
Progressive $3,353 $3,353
State Farm $2,119 $2,242
Travelers $2,850 $2,850
USAA $1,531 $1,572

The Best Cheap Car Insurance Companies in Winchester, IN

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

Average Annual Car Insurance Rates by Company in Winchester, Indiana

Insurance Company Average Annual Rates
Allstate $3,856
American Family $3,217
Farmers $3,301
GEICO $2,087
Liberty Mutual $5,604
Nationwide $2,490
Progressive $3,353
State Farm $2,181
Travelers $2,850
USAA $1,551

Category Winners: Cheapest Car Insurance in Winchester, Indiana

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

Best Annual Car Insurance Rates by Company in Winchester, Indiana

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

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

Annual Car Insurance Rates by Coverage Level in Winchester, Indiana

Insurance Company Low Medium High
Allstate $3,673 $3,841 $4,054
American Family $3,186 $3,324 $3,140
Farmers $3,193 $3,294 $3,415
GEICO $1,945 $2,081 $2,235
Liberty Mutual $5,421 $5,589 $5,801
Nationwide $2,537 $2,470 $2,464
Progressive $3,167 $3,301 $3,592
State Farm $2,079 $2,180 $2,284
Travelers $2,798 $2,876 $2,876
USAA $1,504 $1,548 $1,602

What affects car insurance rates in Winchester, Indiana?

What factors can have an impact on Winchester, IN 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, Indiana.

Car Theft in Winchester

High levels of vehicle theft can make car insurance more expensive. Winchester, IN car theft statistics from the FBI indicate 11 vehicle thefts a year.

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, IN is 17.4 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, IN traffic data from INRIX ranks Winchester as the 183rd-most congested in the world.

Compare Car Insurance Quotes in Winchester, IN

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

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

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Average Monthly Car Insurance Rates by State