Compare Winchester, TN Car Insurance Rates (2021)

Car insurance in Winchester, TN averages $285 a month. Winchester, Tennessee car insurance requirements are 25/50/15, 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, TN.

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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

  • The cheapest car insurance company in Winchester is State Farm
  • The cheapest car insurance company in Winchester for teen drivers is State Farm
  • Average car insurance rates in Winchester, TN after a DUI are $4,021/year

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

You’ll find Winchester car insurance rates, the cheapest Winchester, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Winchester, Tennessee car insurance rates to Chattanooga car insurance rates, Knoxville car insurance rates, and Jackson car insurance rates.

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

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

How do age, gender, and marital status affect Winchester, TN car insurance rates? Every Winchester, Tennessee 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, Tennessee

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 $2,728 $2,629 $2,448 $2,542 $10,015 $10,895 $2,927 $3,033
Farmers $1,494 $1,521 $1,344 $1,469 $5,992 $6,376 $2,016 $2,132
GEICO $2,199 $2,224 $2,031 $2,031 $6,481 $6,617 $2,221 $2,290
Liberty Mutual $3,413 $129 $2,805 $3,135 $13,799 $15,339 $3,661 $3,907
Nationwide $2,029 $2,050 $1,818 $1,853 $5,414 $7,005 $2,323 $2,533
Progressive $1,896 $1,791 $1,544 $1,614 $8,471 $9,541 $2,288 $2,502
State Farm $1,448 $1,448 $1,304 $1,304 $4,386 $5,487 $1,635 $1,900
Travelers $1,711 $1,802 $1,554 $1,656 $4,758 $5,904 $1,821 $1,917
USAA $1,418 $1,443 $1,281 $1,280 $5,012 $5,748 $1,845 $1,968

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Minimum Car Insurance in Winchester, TN

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

Minimum Required Car Insurance Coverage in Winchester, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Winchester, TN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Winchester, TN. 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, Tennessee

Insurance Company Poor Fair Good
Allstate $5,937 $4,544 $3,476
Farmers $3,325 $2,597 $2,457
GEICO $3,706 $3,168 $2,911
Liberty Mutual $8,281 $5,071 $3,969
Nationwide $3,761 $2,980 $2,643
Progressive $4,171 $3,592 $3,355
State Farm $3,432 $2,060 $1,601
Travelers $3,361 $2,635 $1,925
USAA $3,624 $2,123 $1,751

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

Annual Winchester, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,915 $4,655 $5,579 $4,459
Farmers $2,387 $2,947 $3,017 $2,821
GEICO $2,356 $3,174 $5,162 $2,356
Liberty Mutual $4,686 $6,744 $6,275 $5,389
Nationwide $2,704 $2,704 $4,070 $3,033
Progressive $3,264 $4,235 $3,477 $3,847
State Farm $2,157 $2,571 $2,364 $2,364
Travelers $2,141 $2,746 $3,041 $2,632
USAA $1,821 $2,721 $3,200 $2,255

Cheapest Winchester, TN Car Insurance for Teen Drivers

Teen car insurance in Winchester, TN 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, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,015 $10,895
Farmers $5,992 $6,376
GEICO $6,481 $6,617
Liberty Mutual $13,799 $15,339
Nationwide $5,414 $7,005
Progressive $8,471 $9,541
State Farm $4,386 $5,487
Travelers $4,758 $5,904
USAA $5,012 $5,748

Cheapest Winchester, TN Car Insurance for Seniors

Take a look at Winchester, TN 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, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,448 $2,542
Farmers $1,344 $1,469
GEICO $2,031 $2,031
Liberty Mutual $2,805 $3,135
Nationwide $1,818 $1,853
Progressive $1,544 $1,614
State Farm $1,304 $1,304
Travelers $1,554 $1,656
USAA $1,281 $1,280

Cheapest Winchester, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Winchester, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,579
Farmers $3,017
GEICO $5,162
Liberty Mutual $6,275
Nationwide $4,070
Progressive $3,477
State Farm $2,364
Travelers $3,041
USAA $3,200

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Cheapest Winchester, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Winchester, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,652 $4,652
Farmers $2,793 $2,793
GEICO $3,245 $3,278
Liberty Mutual $5,774 $5,774
Nationwide $3,128 $3,128
Progressive $3,706 $3,706
State Farm $2,308 $2,420
Travelers $2,537 $2,744
USAA $2,429 $2,569

The Best Cheap Car Insurance Companies in Winchester, TN

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

Average Annual Car Insurance Rates by Company in Winchester, Tennessee

Insurance Company Average Annual Rates
Allstate $4,652
Farmers $2,793
GEICO $3,262
Liberty Mutual $5,774
Nationwide $3,128
Progressive $3,706
State Farm $2,364
Travelers $2,640
USAA $2,499

Category Winners: Cheapest Car Insurance in Winchester, Tennessee

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

Best Annual Car Insurance Rates by Company in Winchester, Tennessee

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

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

Annual Car Insurance Rates by Coverage Level in Winchester, Tennessee

Insurance Company Low Medium High
Allstate $4,478 $4,641 $4,837
Farmers $2,636 $2,780 $2,963
GEICO $3,097 $3,252 $3,436
Liberty Mutual $5,521 $5,771 $6,029
Nationwide $3,154 $3,057 $3,173
Progressive $3,491 $3,706 $3,921
State Farm $2,234 $2,374 $2,484
Travelers $2,477 $2,638 $2,805
USAA $2,422 $2,491 $2,584

What affects car insurance rates in Winchester, Tennessee?

What factors can have an impact on Winchester, TN 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, Tennessee.

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, TN is 23.0 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, TN traffic data from INRIX ranks Winchester as the 183rd-most congested in the world.

Compare Car Insurance Quotes in Winchester, TN

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