Buy Cheap Winchester, MA Auto Insurance (2022)

Winchester, MA auto insurance rates average $248 a month. Minimum auto insurance requirements in Winchester, Massachusetts are 20/40/5 to comply with Massachusetts laws. To buy cheap auto insurance in Winchester, MA, compare Winchester auto insurance quotes from top companies.

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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...

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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.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Winchester, MA after a DUI are $3,644/year
  • Average auto insurance rates in Winchester, MA for teens drivers are $5,928/year
  • Average auto insurance rates in Winchester, MA are $248/month

Finding affordable Winchester, Massachusetts auto insurance can be challenging, but everything you need to know to buy cheap Winchester, MA 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, MA car insurance rates compare to Brockton auto insurance rates, Boston auto insurance rates, and Worcester auto insurance rates before you read more about the cost of auto insurance in Winchester.

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

Winchester, MA Minimum Auto Insurance Requirements

The required auto insurance in Winchester, MA is 20/40/5 according to the auto insurance laws in Massachusetts. The minimum auto insurance in Winchester, Massachusetts is outlined here.

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

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

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

Buy Cheap Winchester, MA 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, MA are listed here.

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

Buy Cheap Winchester, MA Auto Insurance for Seniors

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

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

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

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

Find Cheap Winchester, MA 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, MA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Winchester, Massachusetts

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

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Find Cheap Winchester, MA Auto Insurance Rates by Driving Record

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

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

Find Cheap Winchester, MA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Winchester, Massachusetts 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, MA auto insurance companies.

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

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

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

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

Find Cheap Winchester, Massachusetts Auto Insurance Companies

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

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

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What affects Winchester, Massachusetts auto insurance rates?

Local factors affect auto insurance rates in Winchester, MA, 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, MA is 33.9 minutes according to City-Data.

Traffic in Winchester

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

Compare Auto Insurance Quotes in Winchester, MA

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

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