Best Cheap Auto Insurance in Winchester, MA (2021)

The average Winchester, MA auto insurance rates are $248 per month. The minimum auto insurance in Winchester is at least 20/40/5 in coverage to comply with Massachusetts auto insurance laws. To find the best cheap auto insurance in Winchester, Massachusetts, 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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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • The cheapest auto insurance company in Winchester is State Farm
  • The average commute length in Winchester is 33.9 minutes
  • The most expensive auto insurance company in Winchester for teen drivers is Liberty Mutual

Winchester, Massachusetts auto insurance requirements are 20/40/5 according to Massachusetts 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, Massachusetts, including driving record, credit, commute time, and more.

Compare auto insurance in Winchester to other Massachusetts cities, including Brockton auto insurance rates, Fall River auto insurance rates, and Springfield auto insurance rates to see how Winchester, Massachusetts auto insurance rates stack up.

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

Minimum Auto Insurance in Winchester, Massachusetts

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

Minimum Required Auto Insurance Coverage in Winchester, Massachusetts

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $5,000 minimum

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

Auto insurance rates in Winchester, Massachusetts 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, Massachusetts

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 $2,156 $2,156 $2,156 $2,156 $7,809 $7,809 $2,421 $2,421
GEICO $1,800 $1,800 $1,667 $1,667 $5,151 $5,151 $1,857 $1,857
Liberty Mutual $2,623 $2,623 $2,287 $2,287 $8,758 $8,758 $2,744 $2,744
Progressive $2,141 $2,141 $2,056 $2,056 $8,140 $8,140 $2,321 $2,321
State Farm $862 $862 $862 $862 $2,394 $2,394 $862 $862
Travelers $3,030 $3,030 $2,678 $2,678 $6,260 $6,260 $3,372 $3,372
USAA $1,286 $1,286 $1,267 $1,267 $2,984 $2,984 $1,419 $1,419

Cheap Winchester, Massachusetts Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Winchester, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,809 $7,809
GEICO $5,151 $5,151
Liberty Mutual $8,758 $8,758
Progressive $8,140 $8,140
State Farm $2,394 $2,394
Travelers $6,260 $6,260
USAA $2,984 $2,984

Cheap Winchester, Massachusetts Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Winchester, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,156 $2,156
GEICO $1,667 $1,667
Liberty Mutual $2,287 $2,287
Progressive $2,056 $2,056
State Farm $862 $862
Travelers $2,678 $2,678
USAA $1,267 $1,267

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

Annual Winchester, Massachusetts Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,817 $4,187 $4,721 $2,817
GEICO $2,096 $2,881 $3,288 $2,209
Liberty Mutual $3,238 $4,409 $5,311 $3,453
Progressive $3,082 $4,339 $3,441 $3,798
State Farm $986 $1,342 $1,597 $1,056
Travelers $2,981 $4,138 $4,429 $3,791
USAA $1,241 $1,608 $2,721 $1,387

Cheap Winchester, Massachusetts Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Winchester, Massachusetts

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,721
GEICO $3,288
Liberty Mutual $5,311
Progressive $3,441
State Farm $1,597
Travelers $4,429
USAA $2,721

Cheap Winchester, Massachusetts Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Winchester, Massachusetts

ZIP Code Average Annual Rates
1890 $2,977

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Cheap Winchester, Massachusetts Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Winchester, Massachusetts

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,520 $3,751
GEICO $2,567 $2,670
Liberty Mutual $3,942 $4,264
Progressive $3,665 $3,665
State Farm $1,216 $1,275
Travelers $3,655 $4,015
USAA $1,691 $1,787

Cheap Winchester, Massachusetts Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Winchester, Massachusetts

Insurance Company Low Medium High
Allstate $3,370 $3,694 $3,842
GEICO $2,409 $2,667 $2,780
Liberty Mutual $3,847 $4,155 $4,307
Progressive $3,353 $3,741 $3,900
State Farm $1,135 $1,268 $1,333
Travelers $3,436 $3,918 $4,151
USAA $1,611 $1,768 $1,838

Best By Category: Cheapest Auto Insurance in Winchester, Massachusetts

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

Best Annual Auto Insurance Rates by Company in Winchester, Massachusetts

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

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The Cheapest Winchester, Massachusetts Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Winchester, Massachusetts

Insurance Company Average Annual Rates
Allstate $3,635
GEICO $2,619
Liberty Mutual $4,103
Progressive $3,665
State Farm $1,245
Travelers $3,835
USAA $1,739

What affects auto insurance rates in Winchester, Massachusetts?

There are a lot of reasons why auto insurance rates in Winchester, Massachusetts are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Winchester, Massachusetts. 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, Massachusetts commute length is 33.9 minutes according to City-Data.

Winchester Traffic

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

Compare Winchester, Massachusetts Auto Insurance Quotes

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