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How much is car insurance in Winchester?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $9 a month cheaper to insure your vehicle in Winchester than it is in the rest of Virginia.
Compared to the national average cost of auto insurance coverage, Winchester has lower rates. The average monthly payment in Winchester is about $30 less than the rate for the rest of the United States.
Keep in mind that these are the average auto insurance rates for Winchester, and that the rate you get could end up being something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
But don't worry, we've broken down the average rate for Winchester residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay $33 more than someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may creep back up a bit in Winchester.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Winchester, although women do pay a little bit less on their monthly premiums, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records can expect to pay a lot less than those with infractions. In Winchester, a driving record with one accident will usually get you a rate around $56 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $57.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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||$40|
|15 Years or Older||$53|
The most affordable vehicles to insure in Winchester are usually trucks and vans, which run about $41 per month.
Cars and SUVs, however, usually cost about $51 for insurance.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Winchester are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$54|
More often than not, people who are married will pay slightly less to insure their car. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Winchester as well, where the difference is around $5 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$64|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $7 a month more than if you own your own home in Winchester. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Winchester, VA
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 selecting an auto insurance policy.
The cost of insurance in Winchester rose from 2016-2018, where it hit a high of $65, before steadying out in 2019. Rates have risen again in recent years, finishing at $58 per month in 2021.
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 coverage, car insurance companies will review numerous factors. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Number of drivers in the area
- Off-street parking availability
- Regional regulations
- Frequency of car accidents
- Prevalence of crime
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Winchester?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing coverage 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 you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Winchester different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Winchester?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Winchester or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.