Compare Winchester, MA Car Insurance Rates (2021)

Car insurance in Winchester, MA averages $248 a month. Winchester, Massachusetts car insurance requirements are 20/40/5, 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, MA.

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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

  • Average car insurance rates in Winchester, MA after a DUI are $3,644/year
  • The cheapest car insurance company in Winchester for teen drivers is State Farm
  • The cheapest car insurance company in Winchester is State Farm

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

You’ll find Winchester car insurance rates, the cheapest Winchester, MA car insurance companies, and information on Massachusetts car insurance laws. You can also compare Winchester, Massachusetts car insurance rates to Lynn car insurance rates, Springfield car insurance rates, and Quincy car insurance rates.

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

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

How do age, gender, and marital status affect Winchester, MA car insurance rates? Every Winchester, Massachusetts 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, Massachusetts

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 $2,156 $2,156 $2,156 $2,156 $7,809 $7,809 $2,421 $2,421
GEICO $1,800 $1,800 $1,667 $1,667 $5,151 $5,151 $1,857 $1,857
Liberty Mutual $2,623 $2,623 $2,287 $2,287 $8,758 $8,758 $2,744 $2,744
Progressive $2,141 $2,141 $2,056 $2,056 $8,140 $8,140 $2,321 $2,321
State Farm $862 $862 $862 $862 $2,394 $2,394 $862 $862
Travelers $3,030 $3,030 $2,678 $2,678 $6,260 $6,260 $3,372 $3,372
USAA $1,286 $1,286 $1,267 $1,267 $2,984 $2,984 $1,419 $1,419

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Minimum Car Insurance in Winchester, MA

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

Minimum Required Car Insurance Coverage in Winchester, Massachusetts

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $5,000 minimum

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

Annual Winchester, Massachusetts Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,817 $4,187 $4,721 $2,817
GEICO $2,096 $2,881 $3,288 $2,209
Liberty Mutual $3,238 $4,409 $5,311 $3,453
Progressive $3,082 $4,339 $3,441 $3,798
State Farm $986 $1,342 $1,597 $1,056
Travelers $2,981 $4,138 $4,429 $3,791
USAA $1,241 $1,608 $2,721 $1,387

Cheapest Winchester, MA Car Insurance for Teen Drivers

Teen car insurance in Winchester, MA 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, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,809 $7,809
GEICO $5,151 $5,151
Liberty Mutual $8,758 $8,758
Progressive $8,140 $8,140
State Farm $2,394 $2,394
Travelers $6,260 $6,260
USAA $2,984 $2,984

Cheapest Winchester, MA Car Insurance for Seniors

Take a look at Winchester, MA 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, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,156 $2,156
GEICO $1,667 $1,667
Liberty Mutual $2,287 $2,287
Progressive $2,056 $2,056
State Farm $862 $862
Travelers $2,678 $2,678
USAA $1,267 $1,267

Cheapest Winchester, MA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Winchester, Massachusetts

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,721
GEICO $3,288
Liberty Mutual $5,311
Progressive $3,441
State Farm $1,597
Travelers $4,429
USAA $2,721

Cheapest Winchester, MA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Winchester, Massachusetts

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,520 $3,751
GEICO $2,567 $2,670
Liberty Mutual $3,942 $4,264
Progressive $3,665 $3,665
State Farm $1,216 $1,275
Travelers $3,655 $4,015
USAA $1,691 $1,787

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The Best Cheap Car Insurance Companies in Winchester, MA

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

Average Annual Car Insurance Rates by Company in Winchester, Massachusetts

Insurance Company Average Annual Rates
Allstate $3,635
GEICO $2,619
Liberty Mutual $4,103
Progressive $3,665
State Farm $1,245
Travelers $3,835
USAA $1,739

Category Winners: Cheapest Car Insurance in Winchester, Massachusetts

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

Best Annual Car Insurance Rates by Company in Winchester, Massachusetts

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

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

Annual Car Insurance Rates by Coverage Level in Winchester, Massachusetts

Insurance Company Low Medium High
Allstate $3,370 $3,694 $3,842
GEICO $2,409 $2,667 $2,780
Liberty Mutual $3,847 $4,155 $4,307
Progressive $3,353 $3,741 $3,900
State Farm $1,135 $1,268 $1,333
Travelers $3,436 $3,918 $4,151
USAA $1,611 $1,768 $1,838

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What affects car insurance rates in Winchester, Massachusetts?

What factors can have an impact on Winchester, MA 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, Massachusetts.

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, MA is 33.9 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, MA traffic data from INRIX ranks Winchester as the 183rd-most congested in the world.

Compare Car Insurance Quotes in Winchester, MA

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

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