Buy Cheap Winchester, KY Auto Insurance in 2024
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.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Aug 26, 2024
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.
UPDATED: Aug 26, 2024
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.
On This Page
- 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.
| 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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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.
| 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.
| 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.
| 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.
| 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.
| 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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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.
| 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.
| 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.
| 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.
| 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 |
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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.
| 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.
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Frequently Asked Questions
Why is it important to have auto insurance in Winchester, KY?
Auto insurance is crucial in Winchester, KY, as it provides financial protection in the event of accidents, damages, or theft. Moreover, it is a legal requirement to have at least the minimum liability coverage to drive legally in Kentucky.
What types of coverage are available in Winchester, KY auto insurance?
Winchester, KY auto insurance typically offers various types of coverage, including:
- Liability coverage: Covers bodily injury and property damage liability for accidents you cause.
- Collision coverage: Pays for repairs or replacement of your vehicle if it’s damaged in a collision.
- Comprehensive coverage: Provides coverage for non-collision incidents such as theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who has little or no insurance.
- Personal injury protection (PIP): Covers medical expenses and lost wages for you and your passengers.
What factors can affect the cost of auto insurance in Winchester, KY?
Several factors can impact the cost of auto insurance in Winchester, KY, including:
- Driving record: A clean driving history typically results in lower premiums.
- Vehicle type: The make, model, and year of your vehicle can affect insurance rates.
- Age and gender: Younger drivers and male drivers often pay higher premiums.
- Coverage limits: Higher coverage limits generally lead to higher premiums.
- Deductible amount: Choosing a higher deductible can lower your premium but increases your out-of-pocket expenses in the event of a claim.
How can I find cheap auto insurance in Winchester, KY?
To find affordable auto insurance in Winchester, KY, consider the following tips:
- Shop around: Obtain quotes from multiple insurance providers to compare rates.
- Bundle policies: Combining your auto insurance with other policies, such as homeowners or renters insurance, may lead to discounts.
- Maintain a good driving record: Safe driving habits can help you qualify for lower rates.
- Increase your deductible: Opting for a higher deductible can lower your premium.
- Inquire about discounts: Ask insurance providers about available discounts, such as multi-vehicle discounts, safe driver discounts, or good student discounts.
Are there any specific auto insurance requirements in Winchester, KY?
In Winchester, KY, drivers must adhere to the state’s minimum liability coverage requirements, which include:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident
What should I do if I’m involved in a car accident in Winchester, KY?
If you’re involved in a car accident in Winchester, KY, follow these steps:
- Ensure safety: Check for injuries and call emergency services if necessary.
- Exchange information: Share contact details, insurance information, and driver’s license numbers with the other involved parties.
- Document the accident: Take photos, gather witness statements, and note relevant details about the incident.
- Notify your insurance provider: Inform your insurance company about the accident and provide them with the necessary information.
- Cooperate with the claims process: Work with your insurance provider’s claims adjuster and provide any requested documentation.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
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.