Compare Winchester, NH Car Insurance Rates (2021)

Car insurance in Winchester, NH averages $259 a month. Winchester, New Hampshire 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, NH.

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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

  • The cheapest car insurance company in Winchester is GEICO
  • Average car insurance rates in Winchester, NH are $3,113/year
  • The cheapest car insurance company in Winchester for teen drivers is GEICO

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

You’ll find Winchester car insurance rates, the cheapest Winchester, NH car insurance companies, and information on New Hampshire car insurance laws. You can also compare Winchester, New Hampshire car insurance rates to Keene car insurance rates, Manchester car insurance rates, and Rochester car insurance rates.

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

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

How do age, gender, and marital status affect Winchester, NH car insurance rates? Every Winchester, New Hampshire 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, New Hampshire

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 $2,006 $2,127 $2,151 $2,355 $4,158 $5,252 $2,109 $2,235
GEICO $1,033 $1,022 $925 $925 $2,507 $3,466 $1,077 $1,626
Liberty Mutual $4,927 $5,321 $4,013 $4,506 $18,182 $20,163 $5,195 $5,504
Nationwide $1,526 $1,548 $1,377 $1,444 $4,221 $5,354 $1,753 $1,880
Progressive $1,306 $1,189 $1,137 $1,148 $6,064 $6,698 $1,538 $1,545
State Farm $1,270 $1,270 $1,159 $1,159 $3,832 $4,727 $1,417 $1,623
USAA $988 $969 $923 $924 $4,284 $4,682 $1,241 $1,354

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Minimum Car Insurance in Winchester, NH

Every driver must carry the minimum car insurance in Winchester, NH. Take a look at the New Hampshire car insurance requirements.

Minimum Required Car Insurance Coverage in Winchester, New Hampshire

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, NH Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Winchester, NH. 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, New Hampshire

Insurance Company Poor Fair Good
Allstate $3,444 $2,548 $2,405
GEICO $1,861 $1,527 $1,331
Liberty Mutual $12,167 $7,443 $5,819
Nationwide $2,780 $2,280 $2,105
Progressive $2,859 $2,515 $2,360
State Farm $2,907 $1,815 $1,449
USAA $2,605 $1,714 $1,443

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

Annual Winchester, New Hampshire Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,321 $3,164 $2,994 $2,718
GEICO $1,400 $1,551 $1,941 $1,400
Liberty Mutual $5,321 $9,627 $9,873 $9,085
Nationwide $1,840 $2,550 $3,116 $2,046
Progressive $2,216 $3,059 $2,442 $2,596
State Farm $1,886 $2,026 $2,431 $1,886
USAA $1,483 $1,997 $2,480 $1,724

Cheapest Winchester, NH Car Insurance for Teen Drivers

Teen car insurance in Winchester, NH 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, New Hampshire

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $4,158 $5,252
GEICO $2,507 $3,466
Liberty Mutual $18,182 $20,163
Nationwide $4,221 $5,354
Progressive $6,064 $6,698
State Farm $3,832 $4,727
USAA $4,284 $4,682

Cheapest Winchester, NH Car Insurance for Seniors

Take a look at Winchester, NH 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, New Hampshire

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,151 $2,355
GEICO $925 $925
Liberty Mutual $4,013 $4,506
Nationwide $1,377 $1,444
Progressive $1,137 $1,148
State Farm $1,159 $1,159
USAA $923 $924

Cheapest Winchester, NH Car Insurance Rates After a DUI

A DUI in Winchester, NH increases car insurance rates. Compare Winchester, New Hampshire DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Winchester, New Hampshire

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $2,994
GEICO $1,941
Liberty Mutual $9,873
Nationwide $3,116
Progressive $2,442
State Farm $2,431
USAA $2,480

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Cheapest Winchester, NH Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Winchester, New Hampshire

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,761 $2,837
GEICO $1,559 $1,586
Liberty Mutual $8,476 $8,476
Nationwide $2,388 $2,388
Progressive $2,578 $2,578
State Farm $2,012 $2,102
USAA $1,901 $1,940

The Best Cheap Car Insurance Companies in Winchester, NH

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

Average Annual Car Insurance Rates by Company in Winchester, New Hampshire

Insurance Company Average Annual Rates
Allstate $2,799
GEICO $1,573
Liberty Mutual $8,476
Nationwide $2,388
Progressive $2,578
State Farm $2,057
USAA $1,921

Category Winners: Cheapest Car Insurance in Winchester, New Hampshire

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

Best Annual Car Insurance Rates by Company in Winchester, New Hampshire

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

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

Annual Car Insurance Rates by Coverage Level in Winchester, New Hampshire

Insurance Company Low Medium High
Allstate $2,729 $2,796 $2,873
GEICO $1,503 $1,564 $1,652
Liberty Mutual $8,146 $8,450 $8,834
Nationwide $2,542 $2,354 $2,268
Progressive $2,471 $2,578 $2,685
State Farm $1,970 $2,059 $2,143
USAA $1,848 $1,917 $1,996

What affects car insurance rates in Winchester, New Hampshire?

What factors can have an impact on Winchester, NH 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, New Hampshire.

Car Theft in Winchester

High levels of vehicle theft can make car insurance more expensive. Winchester, NH car theft statistics from the FBI indicate 1 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, NH is 25.9 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, NH traffic data from INRIX ranks Winchester as the 183rd-most congested in the world.

Compare Car Insurance Quotes in Winchester, NH

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

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