Compare Winchester, VA Car Insurance Rates (2021)

Car insurance in Winchester, VA averages $183 a month. Winchester, Virginia car insurance requirements are 25/50/20, 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, VA.

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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, VA after a DUI are $2,604/year
  • The cheapest car insurance company in Winchester for teen drivers is GEICO
  • Average car insurance rates in Winchester, VA are $2,196/year

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

You’ll find Winchester car insurance rates, the cheapest Winchester, VA car insurance companies, and information on Virginia car insurance laws. You can also compare Winchester, Virginia car insurance rates to Virginia Beach car insurance rates, Richmond car insurance rates, and Alexandria car insurance rates.

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

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

How do age, gender, and marital status affect Winchester, VA car insurance rates? Every Winchester, Virginia 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, Virginia

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 $1,958 $1,850 $1,945 $1,945 $6,098 $7,026 $2,542 $2,551
GEICO $1,375 $1,373 $1,304 $1,304 $2,916 $3,915 $1,600 $1,584
Nationwide $1,366 $1,374 $1,214 $1,247 $3,238 $4,169 $1,505 $1,637
Progressive $1,110 $1,057 $1,006 $1,008 $5,076 $5,696 $1,343 $1,376
State Farm $1,233 $1,233 $1,111 $1,111 $3,720 $4,662 $1,393 $1,609
USAA $1,095 $1,077 $1,026 $1,031 $3,408 $4,052 $1,408 $1,547

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Minimum Car Insurance in Winchester, VA

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

Minimum Required Car Insurance Coverage in Winchester, Virginia

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Winchester, VA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Winchester, VA. 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, Virginia

Insurance Company Poor Fair Good
Allstate $3,947 $3,162 $2,610
GEICO $2,135 $1,815 $1,815
Nationwide $2,333 $1,873 $1,700
Progressive $2,460 $2,154 $2,014
State Farm $2,855 $1,772 $1,400
USAA $2,445 $1,668 $1,378

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

Annual Winchester, Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,432 $3,848 $3,552 $3,126
GEICO $1,458 $1,894 $2,874 $1,458
Nationwide $1,714 $1,714 $2,504 $1,943
Progressive $1,888 $2,502 $2,249 $2,197
State Farm $1,834 $2,184 $2,009 $2,009
USAA $1,417 $1,841 $2,432 $1,632

Cheapest Winchester, VA Car Insurance for Teen Drivers

Teen car insurance in Winchester, VA 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, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,098 $7,026
GEICO $2,916 $3,915
Nationwide $3,238 $4,169
Progressive $5,076 $5,696
State Farm $3,720 $4,662
USAA $3,408 $4,052

Cheapest Winchester, VA Car Insurance for Seniors

Take a look at Winchester, VA 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, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,945 $1,945
GEICO $1,304 $1,304
Nationwide $1,214 $1,247
Progressive $1,006 $1,008
State Farm $1,111 $1,111
USAA $1,026 $1,031

Cheapest Winchester, VA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Winchester, Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,552
GEICO $2,874
Nationwide $2,504
Progressive $2,249
State Farm $2,009
USAA $2,432

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Cheapest Winchester, VA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Winchester, Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,142 $3,337
GEICO $1,885 $1,957
Nationwide $1,969 $1,969
Progressive $2,209 $2,209
State Farm $1,961 $2,057
USAA $1,763 $1,898

Cheapest Winchester, VA Car Insurance Rates by ZIP Code

Winchester car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Winchester, VA.

Annual Car Insurance Rates by ZIP Code in Winchester, Virginia

ZIP Code Average Annual Rates
22601 $1,889
22602 $1,928
22603 $1,913

The Best Cheap Car Insurance Companies in Winchester, VA

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

Average Annual Car Insurance Rates by Company in Winchester, Virginia

Insurance Company Average Annual Rates
Allstate $3,239
GEICO $1,921
Nationwide $1,969
Progressive $2,209
State Farm $2,009
USAA $1,831

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Category Winners: Cheapest Car Insurance in Winchester, Virginia

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

Best Annual Car Insurance Rates by Company in Winchester, Virginia

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

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

Annual Car Insurance Rates by Coverage Level in Winchester, Virginia

Insurance Company Low Medium High
Allstate $3,158 $3,241 $3,320
GEICO $1,857 $1,920 $1,987
Nationwide $2,072 $1,949 $1,885
Progressive $2,129 $2,190 $2,308
State Farm $1,895 $2,005 $2,127
USAA $1,756 $1,834 $1,901

What affects car insurance rates in Winchester, Virginia?

What factors can have an impact on Winchester, VA 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, Virginia.

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, VA is 25.6 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, VA traffic data from INRIX ranks Winchester as the 183rd-most congested in the world.

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Compare Car Insurance Quotes in Winchester, VA

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

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