Winchester Auto Insurance Rates, Quotes, Agents & Reviews in VA

Winchester, VA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Winchester, VA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Winchester, VA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Winchester, VA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Winchester, VA with that of other cities in and around Winchester.

Winchester Frederick County Russell Opequon Boyce Stephens City
Average Insurance Rates $941 $946 $999 $1,212 $969 $1,195

Winchester, VA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Winchester, VA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Winchester $1,464 $1,236
Red Bud $1,865 $1,576
Shawnee $1,873 $1,582
Frederick County $1,071 $905
Stephens City $1,130 $954
Boyce $1,288 $1,088
Russell $1,929 $1,630
Opequon $1,615 $1,364

Winchester, VA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Winchester, VA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,053
20 Years $1,209
30 Years $931
40 Years $896
50 Years $830
60 Years $841
70 Years $979

Winchester, VA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Winchester, VA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,619 $263
3 Vehicles $2,428 $395
4 Vehicles $3,237 $527

Savings on 2 Vehicles bundle:$263

Savings on 3 Vehicles bundle:$395

Savings on 4 Vehicles bundle:$527


Winchester, VA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Winchester, VA.

Location Average Insurance Cost Post DUI Insurance Rate
Winchester $941 $1,536
Red Bud $1,220 $1,991
Shawnee $1,047 $1,709
Frederick County $946 $1,544
Stephens City $1,195 $1,951
Boyce $969 $1,582
Russell $999 $1,631
Opequon $1,212 $1,978

Winchester, VA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $807
Excellent (740-799) $922
Good (670-739) $981
Average (580-669) $1,279
Poor (300-579) $1,535

Winchester, VA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$41 $982
Driver's Failure In Showing Documents +$91 $1,032
Driving With An Expired Registration +$97 $1,038
Driving At A Considerably Slow Pace +$204 $1,145
Using A Cellphone While Driving +$215 $1,156
Running A Red Light +$219 $1,160
Speeding +$231 $1,172
Driving A Vehicle Without The Required Permission +$293 $1,234
Driving With An Expired/Suspended License +$634 $1,575

Winchester, VA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $903
Active Disabling Device $903
Tracking Device $885
Passive Disabling Device $875

Latest Auto Insurance Reviews in Winchester, VA | Back to Top

Mercury
Premium and deductible are reasonable. That "save hundreds" on GEICO doesn't seem to help me. I'm very happy with the premiums and deductible on my auto at this time.
Mercury
Premium and deductible are reasonable. That "save hundreds" on GEICO doesn't seem to help me. I'm very happy with the premiums and deductible on my auto at this time.