Buy Cheap Winchester, KY Auto Insurance (2022)

Winchester, KY auto insurance rates average $341 a month. Minimum auto insurance requirements in Winchester, Kentucky are 25/50/25 to comply with Kentucky laws. To buy cheap auto insurance in Winchester, KY, compare Winchester auto insurance quotes from top companies.

Compare Quotes Now

secured lock Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: May 10, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • Average auto insurance rates in Winchester, KY are $341/month
  • The most expensive auto insurance company in Winchester after a DUI is Allstate
  • Average auto insurance rates in Winchester, KY after a DUI are $4,893/year

Finding affordable Winchester, Kentucky auto insurance can be challenging, but everything you need to know to buy cheap Winchester, KY auto insurance with confidence is right here. Auto insurance rates in Winchester are affected by local factors as well as personal ones like your driving record.

See how Winchester, KY car insurance rates compare to Owensboro auto insurance rates, Covington auto insurance rates, and Henderson auto insurance rates before you read more about the cost of auto insurance in Winchester.

Don’t buy Winchester, KY auto insurance until you’ve compared rates. Get free Winchester, Kentucky auto insurance quotes when you enter your ZIP code above.

Winchester, KY Minimum Auto Insurance Requirements

The required auto insurance in Winchester, KY is 25/50/25 according to the auto insurance laws in Kentucky. The minimum auto insurance in Winchester, Kentucky is outlined here.

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

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Find Cheap Winchester, KY Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Winchester, KY. Take a look at Winchester, Kentucky auto insurance rates by credit history.

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

Buy Cheap Winchester, KY Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Winchester, Kentucky auto insurance rates? Find out how car insurance rates in Winchester, KY are impacted by demographics.

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

Buy Cheap Winchester, KY Auto Insurance for Teen Drivers

Auto insurance for teenagers in Winchester can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Winchester, KY are listed here.

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

Buy Cheap Winchester, KY Auto Insurance for Seniors

You can save on senior auto insurance rates in Winchester, Kentucky by comparing Winchester senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Winchester, KY here.

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

Find Cheap Auto Insurance Rates in Winchester, KY by Coverage Level

The amount of coverage you choose is a big factor in the cost of Winchester, Kentucky auto insurance. Compare Winchester, KY 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

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Find Cheap Winchester, KY Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Winchester. Compare auto insurance rates in Winchester, KY by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Winchester, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap Winchester, KY Auto Insurance Rates by Driving Record

Auto insurance rates in Winchester, Kentucky are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Winchester, KY, take a look at the average cost for various violations versus rates for a clean driving record in Winchester.

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

Find Cheap Winchester, KY Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Winchester, Kentucky is higher than for a clean driving record. You can buy auto insurance after a DUI in Winchester for less when you shop around and compare rates from multiple Winchester, KY auto insurance companies.

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

Winners by Category: Where to Buy Cheap Auto Insurance in Winchester, KY

Compare rates from the cheapest auto insurance companies in Winchester, KY for your needs. Take a look at how Winchester, Kentucky auto insurance companies stack up for each category.

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

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Find Cheap Winchester, Kentucky Auto Insurance Companies

If you’re looking for the cheapest Winchester, KY auto insurance companies overall, you can compare them here. Find the best price for Winchester, Kentucky car insurance by company.

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 Winchester, Kentucky auto insurance rates?

Local factors affect auto insurance rates in Winchester, KY, including traffic, theft statistics, and commute length. Take a look at the things that impact Winchester auto insurance rates.

Commute Times in Winchester

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Winchester, KY is 24.1 minutes according to City-Data.

Traffic in Winchester

How is traffic in Winchester, Kentucky? Inrix data shows that Winchester, KY traffic makes it the 183rd-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Winchester, KY

You can buy cheap Winchester, KY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Winchester, Kentucky auto insurance quotes from top companies.

Compare Quotes Now

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption