Buy Cheap Winchester, TN Auto Insurance (2021)

Winchester, TN auto insurance rates average $261 a month. Minimum auto insurance requirements in Winchester, Tennessee are 25/50/15 to comply with Tennessee laws. To buy cheap auto insurance in Winchester, TN, 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, TN after a DUI are $4,021/year
  • The most expensive auto insurance company in Winchester after a DUI is Liberty Mutual
  • The most expensive auto insurance company in Winchester is Allstate

Finding affordable Winchester, Tennessee auto insurance can be challenging, but everything you need to know to buy cheap Winchester, TN 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, TN car insurance rates compare to Clarksville auto insurance rates, Hendersonville auto insurance rates, and Knoxville auto insurance rates before you read more about the cost of auto insurance in Winchester.

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

Winchester, TN Minimum Auto Insurance Requirements

The required auto insurance in Winchester, TN is 25/50/15 according to the auto insurance laws in Tennessee. The minimum auto insurance in Winchester, Tennessee is outlined here.

Minimum Required Auto Insurance Coverage in Winchester, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Find Cheap Winchester, TN Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Winchester, Tennessee

Insurance Company Poor Fair Good
Allstate $5,937 $4,544 $3,476
Farmers $3,325 $2,597 $2,457
GEICO $3,706 $3,168 $2,911
Liberty Mutual $8,281 $5,071 $3,969
Nationwide $3,761 $2,980 $2,643
Progressive $4,171 $3,592 $3,355
State Farm $3,432 $2,060 $1,601
Travelers $3,361 $2,635 $1,925
USAA $3,624 $2,123 $1,751

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Winchester, Tennessee

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 $2,728 $2,629 $2,448 $2,542 $10,015 $10,895 $2,927 $3,033
Farmers $1,494 $1,521 $1,344 $1,469 $5,992 $6,376 $2,016 $2,132
GEICO $2,199 $2,224 $2,031 $2,031 $6,481 $6,617 $2,221 $2,290
Nationwide $2,029 $2,050 $1,818 $1,853 $5,414 $7,005 $2,323 $2,533
Progressive $1,896 $1,791 $1,544 $1,614 $8,471 $9,541 $2,288 $2,502
State Farm $1,448 $1,448 $1,304 $1,304 $4,386 $5,487 $1,635 $1,900
Travelers $1,711 $1,802 $1,554 $1,656 $4,758 $5,904 $1,821 $1,917
USAA $1,418 $1,443 $1,281 $1,280 $5,012 $5,748 $1,845 $1,968

Buy Cheap Winchester, TN 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, TN are listed here.

Annual Auto Insurance Rates for Teen Drivers in Winchester, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,015 $10,895
Farmers $5,992 $6,376
GEICO $6,481 $6,617
Nationwide $5,414 $7,005
Progressive $8,471 $9,541
State Farm $4,386 $5,487
Travelers $4,758 $5,904
USAA $5,012 $5,748

Buy Cheap Winchester, TN Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Winchester, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,448 $2,542
Farmers $1,344 $1,469
GEICO $2,031 $2,031
Nationwide $1,818 $1,853
Progressive $1,544 $1,614
State Farm $1,304 $1,304
Travelers $1,554 $1,656
USAA $1,281 $1,280

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

The amount of coverage you choose is a big factor in the cost of Winchester, Tennessee auto insurance. Compare Winchester, TN auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Winchester, Tennessee

Insurance Company Low Medium High
Allstate $4,478 $4,641 $4,837
Farmers $2,636 $2,780 $2,963
GEICO $3,097 $3,252 $3,436
Liberty Mutual $5,521 $5,771 $6,029
Nationwide $3,154 $3,057 $3,173
Progressive $3,491 $3,706 $3,921
State Farm $2,234 $2,374 $2,484
Travelers $2,477 $2,638 $2,805
USAA $2,422 $2,491 $2,584

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

Annual Auto Insurance Rates by Commute Length in Winchester, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,652 $4,652
Farmers $2,793 $2,793
GEICO $3,245 $3,278
Liberty Mutual $5,774 $5,774
Nationwide $3,128 $3,128
Progressive $3,706 $3,706
State Farm $2,308 $2,420
Travelers $2,537 $2,744
USAA $2,429 $2,569

Find Cheap Winchester, TN Auto Insurance Rates by Driving Record

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

Annual Winchester, Tennessee Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,915 $4,655 $5,579 $4,459
Farmers $2,387 $2,947 $3,017 $2,821
GEICO $2,356 $3,174 $5,162 $2,356
Liberty Mutual $4,686 $6,744 $6,275 $5,389
Nationwide $2,704 $2,704 $4,070 $3,033
Progressive $3,264 $4,235 $3,477 $3,847
State Farm $2,157 $2,571 $2,364 $2,364
Travelers $2,141 $2,746 $3,041 $2,632
USAA $1,821 $2,721 $3,200 $2,255

Find Cheap Winchester, TN Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Winchester, Tennessee 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, TN auto insurance companies.

Annual Auto Insurance Rates After a DUI in Winchester, Tennessee

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,579
Farmers $3,017
GEICO $5,162
Liberty Mutual $6,275
Nationwide $4,070
Progressive $3,477
State Farm $2,364
Travelers $3,041
USAA $3,200

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

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

Best Annual Auto Insurance Rates by Company in Winchester, Tennessee

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

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Find Cheap Winchester, Tennessee Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Winchester, Tennessee

Insurance Company Average Annual Rates
Allstate $4,652
Farmers $2,793
GEICO $3,262
Nationwide $3,128
Progressive $3,706
State Farm $2,364
Travelers $2,640
USAA $2,499

What affects Winchester, Tennessee auto insurance rates?

Local factors affect auto insurance rates in Winchester, TN, 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, TN is 23.0 minutes according to City-Data.

Traffic in Winchester

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

Compare Auto Insurance Quotes in Winchester, TN

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

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