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Finding the cheapest car insurance quotes in Winchester shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Winchester
The car insurance rate in Winchester is $2231 for a six-month policy, which is $934 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $716, making it a popular choice for budget-conscious drivers. Rates in Winchester can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $716 for a six
month policy, Country Financial offers
the cheapest
auto
insurance rates in the city.
2nd place: Capital Insurance Group
Capital Insurance Group offers auto
insurance rates at $1113 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $1379
for six months, making it
the third cheapest auto insurance company in Winchester.
Winchester Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Winchester, NV is Country Financial, offering policies at just $716 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $1113.
At the higher end of the spectrum, AAA is the most expensive, with rates reaching $4455 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Winchester drivers find the best deals.
Way's key takeaways about car insurance in Winchester
The auto insurance costs in Winchester fall around $716 for six
months.
The cheapest auto insurance company in Winchester is Capital Insurance Group.
Teen drivers pay the highest rate in Winchester at $408 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Winchester
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Winchester are given below.
Capital Insurance Group provides
the cheapest minimum car insurance
coverage in Winchester. Their Average 6 Month Premium is $573.
Encompass is the most
expensive at $838 for the same
period.
Cheapest Full Coverage Car Insurance in Winchester
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Winchester is Country Financial
at $119 per month and $716
for six months.
Cheapest Full Coverage Car Insurance Quotes in Winchester,
NV
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Average Car Insurance in Winchester by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Winchester, NV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Winchester, Nevada, may be increasing due to several external factors.
Nevada has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Winchester's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Winchester
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
30s
Capital Insurance Group
$772
40s
Capital Insurance Group
$721
50s
Capital Insurance Group
$714
60s
Capital Insurance Group
$681
70s
Capital Insurance Group
$688
Cheapest Car Insurance Rates for Teen Drivers in
Winchester,NV
If you are planning to get a car insurance policy for your teenage
dependent, Country Financial provides the cheapest car
insurance in the Winchester at $93
per
month. At $2401 for a six-month premium,
Kemper offers the most expensive rate for
teen drivers.
If you are in your twenties Capital Insurance Group is
the best choice for car
insurance in Winchester.
As young drivers face the highest rates in Winchester, Capital Insurance Group
offers the cheapest auto insurance rates at $772 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Winchester,
Nationwide is
the cheapest car insurance provider. At $602 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Winchester is State Farm, offering
rates of around $8757 for six
months.
Save up to $971/yr on car insurance rates in Winchester.
Car Insurance Rates with An Accident in Winchester
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Winchester, NV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Winchester
The cheapest car insurance companies after an at-fault accident in
Winchester include Capital Insurance Group
and Country Financial, offering $786
and $889,
respectively. AAA is an expensive provider
with an average six-month premium of
$7958.
Here is a list of driving violations that can increase your car
insurance rates in Winchester NV. For example, the car
insurance in Winchester
after a DUI increases to $1573 for a six
month policy. While the rate increases by $521 for a six-month policy in the case of
a speeding ticket.
Winchester auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2319
$387
One Med/PIP claim
$2319
$394
Not-at-fault accident
$2422
$404
Two Med/PIP claims
$2422
$411
One comp claim
$2432
$406
Two comp claims
$2544
$432
Failure to wear a seat belt
$2718
$452
Child safety restraint
$2728
$464
Failure to show documents
$2738
$456
Driving without lights
$2780
$473
Driving with expired registration
$2790
$464
Speeding 6 - 10 MPH over limit
$2840
$483
Speeding 11 - 15 MPH over limit
$2850
$475
Speeding 16 - 20 MPH over limit
$2850
$485
Cell phone violation
$2860
$476
Driving too slowly
$2860
$487
Speeding in school zone
$2860
$476
Texting while driving
$2871
$488
Failure to stop at a red light
$2881
$480
Failure to yield
$2881
$490
Illegal turn
$2881
$480
Following too closely
$2902
$494
Wrong way/wrong lane
$2902
$483
Improper passing
$2912
$495
In 65 MPH zone
$2964
$494
Passing school bus
$3044
$518
Speeding 21 - 25 MPH over limit
$3065
$511
At-fault accident - less than $1000
$3117
$530
Operating a vehicle without permission
$3127
$521
Open container
$3280
$557
At-fault accident - $1000-$2000
$3402
$568
At-fault accident - greater than $2000
$3402
$578
Refusal to submit to a chemical test
$3750
$624
Racing
$3882
$660
Driving with a suspended license
$3892
$648
DUI
$3892
$662
Reckless driving
$3934
$655
Leaving scene of an accident/hit and run
$4045
$688
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Winchester after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Winchester.
The cheapest car insurance premiums in
Winchester are
offered by Country Financial at $716 for a six-month policy.
However, it can be as
expensive as $6784 with companies
like Farmers.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Winchester are offered by Country Financial
at $501. However,
it can be as expensive as $1113
with companies like Amica for a similar
six-month premium.
Cheapest Car Insurance in Winchester after Speeding ticket
Car insurance rates in Winchester have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Winchester rose by
$521 in December
compared to $518 of November. In other words, there has been an increase by $3 when you
compare December and November.
The average cost of liability insurance in the Winchester rose to $153 in December,
compared to $148 in November.
This represents an increase of $5
when comparing December and November.
Average Car Insurance Cost in Winchester by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Winchester. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Winchester?
The car insurance in Winchester is $95 per month, which is higher than the national average.
What is the cheapest car insurance in Winchester?
The cheapest car insurance in Winchester
is $119 per month
for full coverage.
How much is car insurance in Winchester for teenagers?
Car insurance for teenagers costs $542 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Winchester?
The average cost of car insurance is $1297 for a six-month
policy. It will cost around $375 per month to insure your
car in Winchester.
Is car insurance expensive in Winchester?
Car insurance can be expensive in Winchester if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Winchester can be
affordable.
What is the best car insurance in Winchester,
NV?
The best car insurance company in Winchester
NV is
Country Financial, offering $716 for a
six-month policy.
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