Best Cheap Auto Insurance in Winchester, KY (2021)

The average Winchester, KY auto insurance rates are $341 per month. The minimum auto insurance in Winchester is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Winchester, Kentucky, 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: May 17, 2021

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Things to Remember

  • The average commute length in Winchester is 24.1 minutes
  • The minimum auto insurance required in Winchester, Kentucky is 25/50/25
  • The most expensive auto insurance company in Winchester for teen drivers is Allstate

Winchester, Kentucky auto insurance requirements are 25/50/25 according to Kentucky 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, Kentucky, including driving record, credit, commute time, and more.

Compare auto insurance in Winchester to other Kentucky cities, including George auto insurance rates, Owensboro auto insurance rates, and Covington auto insurance rates to see how Winchester, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Winchester, Kentucky

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

Minimum Required Auto Insurance Coverage in Winchester, Kentucky

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, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Winchester, Kentucky 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, Kentucky

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 $3,144 $3,091 $2,858 $3,046 $12,220 $13,752 $3,439 $3,617
GEICO $3,159 $2,921 $3,309 $2,996 $6,635 $7,852 $2,575 $2,215
Liberty Mutual $2,702 $2,921 $2,330 $2,596 $11,325 $12,477 $2,791 $2,848
Nationwide $2,839 $2,838 $2,573 $2,678 $6,512 $8,085 $3,232 $3,390
Progressive $2,008 $1,899 $1,815 $1,816 $10,082 $11,402 $2,488 $2,535
State Farm $1,622 $1,622 $1,449 $1,449 $4,602 $5,856 $1,804 $1,988
Travelers $1,860 $1,890 $1,838 $1,841 $9,012 $14,467 $1,950 $2,216
USAA $1,970 $1,963 $1,780 $1,798 $5,401 $5,673 $2,483 $2,706

Cheap Winchester, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Winchester, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,220 $13,752
GEICO $6,635 $7,852
Liberty Mutual $11,325 $12,477
Nationwide $6,512 $8,085
Progressive $10,082 $11,402
State Farm $4,602 $5,856
Travelers $9,012 $14,467
USAA $5,401 $5,673

Cheap Winchester, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Winchester, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,858 $3,046
GEICO $3,309 $2,996
Liberty Mutual $2,330 $2,596
Nationwide $2,573 $2,678
Progressive $1,815 $1,816
State Farm $1,449 $1,449
Travelers $1,838 $1,841
USAA $1,780 $1,798

Cheap Winchester, Kentucky 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, Kentucky compared to the annual auto insurance rates with a clean record in Winchester, Kentucky.

Annual Winchester, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,634 $6,114 $6,569 $5,267
GEICO $2,370 $4,198 $6,360 $2,904
Liberty Mutual $4,159 $6,420 $4,985 $4,430
Nationwide $3,221 $4,129 $5,189 $3,534
Progressive $3,518 $5,225 $4,011 $4,268
State Farm $2,343 $2,755 $2,549 $2,549
Travelers $3,827 $3,932 $5,683 $4,095
USAA $2,234 $3,161 $3,798 $2,694

Cheap Winchester, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Winchester, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,569
GEICO $6,360
Liberty Mutual $4,985
Nationwide $5,189
Progressive $4,011
State Farm $2,549
Travelers $5,683
USAA $3,798

Cheap Winchester, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Winchester, Kentucky

Insurance Company Poor Fair Good
Allstate $7,460 $5,176 $4,302
GEICO $6,508 $3,249 $2,117
Liberty Mutual $7,128 $4,401 $3,467
Nationwide $4,855 $3,852 $3,348
Progressive $4,729 $4,154 $3,883
State Farm $3,668 $2,230 $1,749
Travelers $4,874 $4,146 $4,132
USAA $4,411 $2,481 $2,023

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Cheap Winchester, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Winchester, Kentucky

ZIP Code Average Annual Rates
40391 $3,678

Cheap Winchester, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Winchester, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,646 $5,646
GEICO $3,921 $3,995
Liberty Mutual $4,999 $4,999
Nationwide $4,018 $4,018
Progressive $4,256 $4,256
State Farm $2,484 $2,614
Travelers $4,384 $4,384
USAA $2,863 $3,080

Cheap Winchester, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Winchester, Kentucky

Insurance Company Low Medium High
Allstate $5,255 $5,624 $6,058
GEICO $3,693 $3,940 $4,241
Liberty Mutual $4,714 $4,960 $5,322
Nationwide $4,033 $3,978 $4,044
Progressive $3,917 $4,207 $4,643
State Farm $2,365 $2,544 $2,738
Travelers $4,142 $4,407 $4,604
USAA $2,839 $2,965 $3,111

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Best By Category: Cheapest Auto Insurance in Winchester, Kentucky

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

Best Annual Auto Insurance Rates by Company in Winchester, Kentucky

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

The Cheapest Winchester, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Winchester, Kentucky

Insurance Company Average Annual Rates
Allstate $5,646
GEICO $3,958
Liberty Mutual $4,999
Nationwide $4,018
Progressive $4,256
State Farm $2,549
Travelers $4,384
USAA $2,972

What affects auto insurance rates in Winchester, Kentucky?

There are a lot of reasons why auto insurance rates in Winchester, Kentucky are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Winchester, Kentucky. 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, Kentucky commute length is 24.1 minutes according to City-Data.

Winchester Traffic

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

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Compare Winchester, Kentucky Auto Insurance Quotes

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