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How much is car insurance in Winchester?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Winchester are about $18 a month cheaper than in the rest of Kentucky.
That being said drivers in Winchester may pay higher rates than the rest of the country. It's about $34 more expensive for coverage in Winchester than the average rates for the U.S. as a whole.
Although these are the average monthly costs for an auto insurance policy in Winchester, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
But don't worry, we've broken down average rates for Winchester residents so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, your rates may start to rise again in Winchester.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for car insurance coverage, this is not the case in Winchester, where female drivers pay around $118 per month while male drivers pay about $109.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Winchester with one accident will pay around $138 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $196 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$308|
|15 Years or Older||$100|
The cheapest vehicles to insure in Winchester are by and large trucks and vans, with each type typically costing about $97 per month.
SUV drivers will see rates of about $152, while the rates for car owners average out to about $110 a month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Winchester, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$123|
On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Winchester, with married couples paying about $23 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$105|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $17 a month more than drivers who own property in Winchester. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Winchester, KY
Recent trends in car insurance for Winchester drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
The cost of car insurance coverage in Winchester dropped steadily from 2016-2020. It finished up in 2021, at $119 per month
How does Winchester compare to neighboring areas?
Why are car insurance rates in Winchester different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Availability of off-street parking
- Amount of drivers
- Road safety
- Area regulations
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Winchester?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com has you covered. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Winchester in no time.
Winchester Insurance FAQs
What factors affect car insurance quotes in Winchester?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Winchester different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Winchester?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Winchester?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Winchester or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?