Best Cheap Auto Insurance in Winchester, KS (2021)

The average Winchester, KS auto insurance rates are $281 per month. The minimum auto insurance in Winchester is at least 25/50/25 in coverage to comply with Kansas auto insurance laws. To find the best cheap auto insurance in Winchester, Kansas, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 17, 2021

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Things to Remember

  • Average auto insurance rates in Winchester, KS for senior drivers are $1,951 per year
  • The cheapest auto insurance company in Winchester is American Family
  • The average commute length in Winchester is 37.6 minutes

Winchester, Kansas auto insurance requirements are 25/50/25 according to Kansas auto insurance laws. Finding cheap auto insurance in Winchester can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Winchester, Kansas, including driving record, credit, commute time, and more.

Compare auto insurance in Winchester to other Kansas cities, including Salina auto insurance rates, Wichita auto insurance rates, and Lenexa auto insurance rates to see how Winchester, Kansas auto insurance rates stack up.

Before you buy Winchester, Kansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Winchester, Kansas auto insurance quotes.

Minimum Auto Insurance in Winchester, Kansas

Winchester, Kansas auto insurance laws require that you have at least the Kansas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Winchester, Kansas.

Minimum Required Auto Insurance Coverage in Winchester, Kansas

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

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Cheap Winchester, Kansas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Winchester, Kansas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Winchester, Kansas

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 $2,667 $2,580 $2,402 $2,470 $7,634 $8,599 $2,717 $2,804
American Family $1,667 $1,667 $1,506 $1,506 $3,266 $3,926 $1,667 $1,878
Farmers $2,691 $2,681 $2,408 $2,507 $7,100 $7,365 $3,033 $3,206
GEICO $2,420 $2,366 $2,443 $2,273 $4,439 $5,960 $2,802 $2,038
Liberty Mutual $2,284 $2,467 $2,183 $2,434 $10,628 $11,866 $2,492 $2,695
Nationwide $1,708 $1,751 $1,527 $1,638 $3,701 $4,499 $2,011 $2,135
Progressive $2,502 $2,378 $2,015 $2,106 $9,444 $10,659 $2,970 $3,202
State Farm $1,802 $1,802 $1,590 $1,590 $4,962 $6,308 $2,029 $2,299
Travelers $2,024 $2,059 $1,976 $2,002 $8,238 $12,856 $2,072 $2,431
USAA $1,327 $1,347 $1,220 $1,225 $4,615 $4,827 $1,755 $1,825

Cheap Winchester, Kansas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Winchester, Kansas is a challenge. Take a look at the annual teen auto insurance rates in Winchester, Kansas.

Annual Auto Insurance Rates for Teen Drivers in Winchester, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,634 $8,599
American Family $3,266 $3,926
Farmers $7,100 $7,365
GEICO $4,439 $5,960
Liberty Mutual $10,628 $11,866
Nationwide $3,701 $4,499
Progressive $9,444 $10,659
State Farm $4,962 $6,308
Travelers $8,238 $12,856
USAA $4,615 $4,827

Cheap Winchester, Kansas Auto Insurance for Seniors

What are senior auto insurance rates in Winchester, Kansas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Winchester, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,402 $2,470
American Family $1,506 $1,506
Farmers $2,408 $2,507
GEICO $2,443 $2,273
Liberty Mutual $2,183 $2,434
Nationwide $1,527 $1,638
Progressive $2,015 $2,106
State Farm $1,590 $1,590
Travelers $1,976 $2,002
USAA $1,220 $1,225

Cheap Winchester, Kansas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Winchester, Kansas compared to the annual auto insurance rates with a clean record in Winchester, Kansas.

Annual Winchester, Kansas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,410 $3,991 $4,678 $3,857
American Family $2,098 $2,248 $2,098 $2,098
Farmers $3,272 $4,194 $4,087 $3,943
GEICO $1,946 $3,187 $4,922 $2,316
Liberty Mutual $3,486 $5,257 $5,161 $4,620
Nationwide $1,800 $2,062 $3,575 $2,048
Progressive $4,076 $4,760 $4,258 $4,544
State Farm $2,585 $3,010 $2,798 $2,798
Travelers $3,063 $3,999 $5,516 $4,250
USAA $1,656 $2,239 $3,278 $1,898

Cheap Winchester, Kansas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Winchester, Kansas is not easy. Compare the annual rates for DUI auto insurance in Winchester, Kansas to find the best deal.

Annual Auto Insurance Rates After a DUI in Winchester, Kansas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,678
American Family $2,098
Farmers $4,087
GEICO $4,922
Liberty Mutual $5,161
Nationwide $3,575
Progressive $4,258
State Farm $2,798
Travelers $5,516
USAA $3,278

Cheap Winchester, Kansas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Winchester, Kansas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Winchester, Kansas

Insurance Company Poor Fair Good
Allstate $4,929 $3,758 $3,265
American Family $2,789 $1,971 $1,646
Farmers $4,568 $3,629 $3,426
GEICO $4,806 $2,542 $1,930
Liberty Mutual $4,631 $4,631 $4,631
Nationwide $2,616 $2,329 $2,170
Progressive $5,043 $4,251 $3,934
State Farm $4,074 $2,434 $1,885
Travelers $4,860 $3,959 $3,803
USAA $3,093 $2,035 $1,675

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Cheap Winchester, Kansas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Winchester, Kansas can vary. Compare the annual cost of auto insurance by ZIP code in Winchester, Kansas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Winchester, Kansas

ZIP Code Average Annual Rates
66097 $3,575

Cheap Winchester, Kansas Auto Insurance Rates By Commute

Commute length and annual mileage affect Winchester, Kansas auto insurance. Find the cheapest annual Winchester, Kansas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Winchester, Kansas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,984 $3,984
American Family $2,108 $2,163
Farmers $3,874 $3,874
GEICO $3,027 $3,159
Liberty Mutual $4,631 $4,631
Nationwide $2,371 $2,371
Progressive $4,409 $4,409
State Farm $2,727 $2,868
Travelers $4,207 $4,207
USAA $2,203 $2,333

Cheap Winchester, Kansas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Winchester, Kansas? Check out the comparison of annual Winchester, Kansas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Winchester, Kansas

Insurance Company Low Medium High
Allstate $3,845 $3,975 $4,133
American Family $2,154 $2,243 $2,010
Farmers $3,729 $3,854 $4,040
GEICO $3,003 $3,089 $3,186
Liberty Mutual $4,525 $4,621 $4,748
Nationwide $2,483 $2,347 $2,284
Progressive $4,184 $4,377 $4,668
State Farm $2,688 $2,806 $2,899
Travelers $3,984 $4,213 $4,425
USAA $2,191 $2,262 $2,350

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Best By Category: Cheapest Auto Insurance in Winchester, Kansas

Compare the cheapest auto insurance companies in Winchester, Kansas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Winchester, Kansas

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI American Family
With 1 Speeding Violation USAA

The Cheapest Winchester, Kansas Auto Insurance Companies

What auto insurance companies in Winchester, Kansas are the cheapest? Compare the top Winchester, Kansas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Winchester, Kansas

Insurance Company Average Annual Rates
Allstate $3,984
American Family $2,135
Farmers $3,874
GEICO $3,093
Liberty Mutual $4,631
Nationwide $2,371
Progressive $4,409
State Farm $2,798
Travelers $4,207
USAA $2,268

What affects auto insurance rates in Winchester, Kansas?

There are a lot of reasons why auto insurance rates in Winchester, Kansas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Winchester, Kansas. Many local factors may affect your Winchester auto insurance rates.

Winchester Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Winchester, Kansas commute length is 37.6 minutes according to City-Data.

Winchester Traffic

How does Winchester, Kansas rank for traffic? According to Inrix Winchester, Kansas is the 183rd most congested worldwide.

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Compare Winchester, Kansas Auto Insurance Quotes

Before you buy Winchester, Kansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Winchester, Kansas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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