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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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • Average car insurance rates in Winchester, VA are $183/month
  • The cheapest car insurance company in Winchester for teen drivers is GEICO
  • Average car insurance rates in Winchester, VA for senior drivers are $1,271/year

Average car insurance rates in Winchester, Virginia are $183 a month. But with a little research you can get a great deal from the top car insurance companies in Winchester, VA. Before you buy Winchester, Virginia car insurance, make sure your coverage meets or exceeds the Virginia minimum of 25/50/20.

It may even be helpful to compare Winchester car insurance rates with Portsmouth car insurance rates, Hampton car insurance rates, or Norfolk car insurance rates to make sure you’re getting the best Winchester, VA car insurance quotes available.

Need affordable Winchester, VA car insurance? Enter your ZIP code to compare Winchester car insurance quotes from multiple car insurance companies near you.

Winchester, VA Minimum Car Insurance Coverage

Winchester, Virginia law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.

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

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Winchester, VA Car Insurance Rates by Coverage Level

Some Winchester drivers can get by with the Virginia minimum coverage of 25/50/20. Other drivers may need more. See how much your Winchester, Virginia car insurance rates may be based on the coverage you need.

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

Winchester, VA Car Insurance Rates by Age, Gender, and Marital Status

Winchester, Virginia car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Winchester, VA car insurance, get quotes from multiple car insurance companies in the Winchester area and see how these criteria affect your 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

Winchester, VA Car Insurance Rates for Teens

How much is Winchester, Virginia car insurance for teens? Compare rates from top Winchester car insurance companies below to help find the cheapest teen car insurance in Winchester, VA.

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

Winchester, VA Car Insurance Rates for Seniors

Before seniors buy Winchester, Virginia car insurance, they should make sure to shop around. Some Winchester, VA car insurance companies may offer discounts or other savings options for senior car insurance.

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

Winchester, VA Car Insurance Rates by Credit History

How does your credit history affect Winchester, VA car insurance rates? Review the numbers here to find out.

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

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Winchester, VA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Winchester, Virginia car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Winchester.

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

Winchester, VA Car Insurance Rates With a DUI

Even a single DUI can increase your Winchester, VA car insurance rates. Compare rates below to see which Winchester car insurance company has the best rates for drivers with a DUI.

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

Winchester, VA Car Insurance Rates by ZIP Code

Just like Winchester car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Winchester, VA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Winchester, Virginia

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

Winchester, VA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Winchester, VA car insurance rates may be. Let’s take a look at average car insurance rates from top Winchester companies based on commute time.

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

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Winchester, VA Cheapest Car Insurance Rates

How do the top Winchester, Virginia car insurance companies’ average rates stack up against the Winchester average monthly car insurance rates of $183? Take a look and see.

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

Winchester, VA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Winchester, Virginia car insurance companies to help you find one that best fits 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

Other Factors Affecting Winchester, VA Car Insurance Rates

Before you buy Winchester, Virginia car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Winchester, VA Commute Time

How does your Winchester, VA commute time compare with the average driver? In Winchester, the average commute is 25.6 minutes.

Winchester, VA Traffic

Spending time in Winchester traffic can lead to higher car insurance rates. According to INRIX data, Winchester, VA ranks as the 183rd-most congested with traffic in the world.

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Winchester, VA Car Insurance Quotes

Compare Winchester, VA car insurance quotes from multiple companies by entering your ZIP code now.