Compare Winchester, KS Car Insurance Rates (2021)

Car insurance in Winchester, KS averages $281 a month. Winchester, Kansas 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, KS.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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

  • Average car insurance rates in Winchester, KS are $3,377/year
  • Average car insurance rates in Winchester, KS after a DUI are $4,037/year
  • The cheapest car insurance company in Winchester is American Family

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

You’ll find Winchester car insurance rates, the cheapest Winchester, KS car insurance companies, and information on Kansas car insurance laws. You can also compare Winchester, Kansas car insurance rates to Olathe car insurance rates, Kansas City car insurance rates, and Manhattan car insurance rates.

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

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

How do age, gender, and marital status affect Winchester, KS car insurance rates? Every Winchester, Kansas 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, Kansas

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 $2,667 $2,580 $2,402 $2,470 $7,634 $8,599 $2,717 $2,804
American Family $1,667 $1,667 $1,506 $1,506 $3,266 $3,926 $1,667 $1,878
Farmers $2,691 $2,681 $2,408 $2,507 $7,100 $7,365 $3,033 $3,206
GEICO $2,420 $2,366 $2,443 $2,273 $4,439 $5,960 $2,802 $2,038
Liberty Mutual $2,284 $2,467 $2,183 $2,434 $10,628 $11,866 $2,492 $2,695
Nationwide $1,708 $1,751 $1,527 $1,638 $3,701 $4,499 $2,011 $2,135
Progressive $2,502 $2,378 $2,015 $2,106 $9,444 $10,659 $2,970 $3,202
State Farm $1,802 $1,802 $1,590 $1,590 $4,962 $6,308 $2,029 $2,299
Travelers $2,024 $2,059 $1,976 $2,002 $8,238 $12,856 $2,072 $2,431
USAA $1,327 $1,347 $1,220 $1,225 $4,615 $4,827 $1,755 $1,825

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Minimum Car Insurance in Winchester, KS

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

Minimum Required Car Insurance Coverage in Winchester, Kansas

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, KS Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Winchester, KS. 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, Kansas

Insurance Company Poor Fair Good
Allstate $4,929 $3,758 $3,265
American Family $2,789 $1,971 $1,646
Farmers $4,568 $3,629 $3,426
GEICO $4,806 $2,542 $1,930
Liberty Mutual $4,631 $4,631 $4,631
Nationwide $2,616 $2,329 $2,170
Progressive $5,043 $4,251 $3,934
State Farm $4,074 $2,434 $1,885
Travelers $4,860 $3,959 $3,803
USAA $3,093 $2,035 $1,675

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

Annual Winchester, Kansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,410 $3,991 $4,678 $3,857
American Family $2,098 $2,248 $2,098 $2,098
Farmers $3,272 $4,194 $4,087 $3,943
GEICO $1,946 $3,187 $4,922 $2,316
Liberty Mutual $3,486 $5,257 $5,161 $4,620
Nationwide $1,800 $2,062 $3,575 $2,048
Progressive $4,076 $4,760 $4,258 $4,544
State Farm $2,585 $3,010 $2,798 $2,798
Travelers $3,063 $3,999 $5,516 $4,250
USAA $1,656 $2,239 $3,278 $1,898

Cheapest Winchester, KS Car Insurance for Teen Drivers

Teen car insurance in Winchester, KS 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, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,634 $8,599
American Family $3,266 $3,926
Farmers $7,100 $7,365
GEICO $4,439 $5,960
Liberty Mutual $10,628 $11,866
Nationwide $3,701 $4,499
Progressive $9,444 $10,659
State Farm $4,962 $6,308
Travelers $8,238 $12,856
USAA $4,615 $4,827

Cheapest Winchester, KS Car Insurance for Seniors

Take a look at Winchester, KS 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, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,402 $2,470
American Family $1,506 $1,506
Farmers $2,408 $2,507
GEICO $2,443 $2,273
Liberty Mutual $2,183 $2,434
Nationwide $1,527 $1,638
Progressive $2,015 $2,106
State Farm $1,590 $1,590
Travelers $1,976 $2,002
USAA $1,220 $1,225

Cheapest Winchester, KS Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Winchester, Kansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,678
American Family $2,098
Farmers $4,087
GEICO $4,922
Liberty Mutual $5,161
Nationwide $3,575
Progressive $4,258
State Farm $2,798
Travelers $5,516
USAA $3,278

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Cheapest Winchester, KS Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Winchester, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,984 $3,984
American Family $2,108 $2,163
Farmers $3,874 $3,874
GEICO $3,027 $3,159
Liberty Mutual $4,631 $4,631
Nationwide $2,371 $2,371
Progressive $4,409 $4,409
State Farm $2,727 $2,868
Travelers $4,207 $4,207
USAA $2,203 $2,333

The Best Cheap Car Insurance Companies in Winchester, KS

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

Average Annual Car Insurance Rates by Company in Winchester, Kansas

Insurance Company Average Annual Rates
Allstate $3,984
American Family $2,135
Farmers $3,874
GEICO $3,093
Liberty Mutual $4,631
Nationwide $2,371
Progressive $4,409
State Farm $2,798
Travelers $4,207
USAA $2,268

Category Winners: Cheapest Car Insurance in Winchester, Kansas

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

Best Annual Car Insurance Rates by Company in Winchester, Kansas

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

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

Annual Car Insurance Rates by Coverage Level in Winchester, Kansas

Insurance Company Low Medium High
Allstate $3,845 $3,975 $4,133
American Family $2,154 $2,243 $2,010
Farmers $3,729 $3,854 $4,040
GEICO $3,003 $3,089 $3,186
Liberty Mutual $4,525 $4,621 $4,748
Nationwide $2,483 $2,347 $2,284
Progressive $4,184 $4,377 $4,668
State Farm $2,688 $2,806 $2,899
Travelers $3,984 $4,213 $4,425
USAA $2,191 $2,262 $2,350

What affects car insurance rates in Winchester, Kansas?

What factors can have an impact on Winchester, KS 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, Kansas.

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, KS is 37.6 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, KS traffic data from INRIX ranks Winchester as the 183rd-most congested in the world.

Compare Car Insurance Quotes in Winchester, KS

Ready to find affordable Winchester, Kansas car insurance today? Enter your ZIP code for fast, free Winchester, KS 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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