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How much is car insurance in Winchester?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $11 a month cheaper to insure your vehicle in Winchester than it is in the rest of Virginia.
Likewise, car insurance rates in Winchester are often favorable when viewed against the rest of the country. It's about $31 cheaper than the national average to insure your vehicle in Winchester.
Keep in mind that while these are the average car insurance rates for Winchester, it isn't guaranteed that it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've analyzed the average rate for Winchester and broken down the different factors to help you understand what your policy's monthly premium will be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates begin to increase again in Winchester.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While female drivers pay a little bit less than male drivers on their monthly auto insurance coverage, the difference in Winchester is only about $1 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Winchester with a single accident will pay around $60 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $54.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$46|
|15 Years or Older||$53|
The most affordable vehicles to insure in Winchester are usually SUVs, which run about $49 per month.
SUV owners, on the other hand, typically pay around $49 a month, while truck and van drivers can expect to pay about $51 per month for auto insurance.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is about 5 years old, however, your monthly bill may start to dip 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)||$53|
According to the table above, the difference in rates based on relationship status in Winchester can be as much as $6 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$63|
Another factor taken into consideration is your living situation. Homeowners in Winchester can expect to pay around $7 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
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 insurance provider.
Auto insurance rates in Winchester increased from 2017-2018, before steadying out in 2019. They finished up in 2022, at $53 a month
How does Winchester compare to neighboring areas?
Why are car insurance rates in Winchester different from other areas?
Car insurance companies will take into account numerous factors when they're choosing how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Access to off-street parking
- Area crime rates
- Road safety
- Amount of drivers in the area
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
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.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Winchester.
Winchester Insurance FAQs
What factors affect car insurance quotes in Winchester?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Winchester different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Winchester?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Winchester or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?