Lowest Premium
$310 / YEAR
Average Premium
$392 / YEAR
Highest Premium
$510 / YEAR
The average annual premium in Winchester is around $392 and can go upto $510. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.
Minimum coverage requirement in Virginia - By law, the state requires a minimum of 25/50/20 for auto insurance as explained below:
- $25,000 coverage for all types of bodily injury suffered by one individual in one accident
- Bodily injury suffered by two or more people is $50,000. The amount is the same for deaths of two or more people caused by one accident
- $20,000 for damage to the property of other people.
- $25,000/$50,000 for Uninsured/underinsured motorist bodily injury
- $20,000 for Uninsured/underinsured motorist property damage
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Car Insurance Companies in Virginia and Rates Offered
The cheapest car insurance rates in the state are provided by Geico Insurance followed by Allstate Insurance. But the major players are State Farm, Allstate, and Nationwide insurance in order.
| Company | Annual premium (50/100/50) | Market share | Ranking |
|---|---|---|---|
| Geico | $368 | 1.5% ($189,664,981) | 88 |
| Allstate | $371 | 2.58% ($326,945,631) | 87 |
| State Farm | $380 | 6.26% ($793,791,726) | 90 |
| Nationwide | $407 | 2.17% ($275,171,658) | 89 |
| Progressive | $533 | 1.58% ($200,167,406) | 89 |
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Car Insurance Rates in Winchester by ZIP codes
The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Winchester. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.
| Zip | Avg. Premium |
|---|---|
| 22601 | $394 |
| 22602 | $396 |
| 22603 | $385 |
Insurance Agents in Winchester, VA and Near by
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0 miHomestead Insurance Group420 W Jubal Early Dr Ste 100, Winchester, VA 22601(540) 665-8300View |
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0 miMatthew Cooper133 W Boscawen St Ste 6, Winchester, VA 22601(540) 686-7883View |
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0 miSignature Associates31 S Braddock St Ste 201c, Winchester, VA 22601(540) 665-9067View |
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0 miRWG Insurance - The Winchester Group24 W Piccadilly St, Winchester, VA 22601(540) 662-1828View |
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0 miJay Slonaker2271 Valley Ave, Winchester, VA 22601(540) 431-5919View |
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0 miBankers Insurance202 N Loudoun St Fl 3, Winchester, VA 22601(540) 931-5191View |
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0 miRD Williamson Insurance Agency601 S Braddock St, Winchester, VA 22601(540) 667-5433View |
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0 miPaul E Lewis2433 Valley Ave, Winchester, VA 22601(540) 667-5009View |
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0 miBB&T - J.V. Arthur38 Rouss Ave Ste 100, Winchester, VA 22601(540) 662-3865View |
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0 miStace Rader128 S Cameron St, Winchester, VA 22601(540) 667-9335View |
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0 miLynne Rio Insurance226 S Loudoun St, Winchester, VA 22601(540) 665-0086View |
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0 miInsurance Center of Winchester728 S Loudoun St, Winchester, VA 22601(540) 689-0970View |
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0 miKelly L Lewis1000 Valley Ave Ste 3, Winchester, VA 22601(540) 313-9100View |
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0 miLes Veach - State Farm Insurance47 W Jubal Early Dr Ste 140, Winchester, VA 22601(540) 667-9900View |
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0 miKim Smith136 Weems Ln, Winchester, VA 22601(540) 662-5453View |
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0 miMarcy Obenchain2270 Valor Dr Ste 106, Winchester, VA 22601(540) 662-5622View |
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0 miTJC Insurance2433 Valley Ave Ste 101, Winchester, VA 22601(540) 319-4229View |
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0 miValley Insurance Center2654 Valley Ave Ste A, Winchester, VA 22601(540) 773-2121View |
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0 miHIS Insurance & Service2810 Valley Ave, Winchester, VA 22601(540) 678-1597View |
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5.34 miT Clayton158 Front Royal Pike Ste 105, Winchester, VA 22602(540) 665-1766View |
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5.34 miHH & B Insurance - The Benefit Corner107 Massie Dr, Winchester, VA 22602(540) 931-3866View |
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5.34 miJennifer Brady Smith126 Creekside Ln, Winchester, VA 22602(540) 450-8166View |
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5.34 miWalter & Walter Insurance Agency3186 Valley Pike, Winchester, VA 22602(540) 931-0008View |
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5.34 miMark A Dunford Agency3223 Valley Pike, Winchester, VA 22602(540) 665-0911View |
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5.34 miVirginia Farm Bureau Insurance125 Prosperity Dr Ste 300, Winchester, VA 22602(540) 869-8650View |
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5.34 miWilkins Insurance Agency4125 Valley Pike, Winchester, VA 22602(540) 667-6611View |
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5.34 miRich Grant Jr4139 Valley Pike, Winchester, VA 22602(540) 869-0644View |
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7.39 miPartlow Insurance Agency2333 N Frederick Pike, Winchester, VA 22603(540) 667-4980View |
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7.39 miCox Insurance Services156 Fort Collier Rd Ste 9, Winchester, VA 22603(540) 678-0002View |
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7.39 miSteve Douglass420 Gateway Dr Ste 1, Winchester, VA 22603(540) 667-7133View |
Learn More About Car Insurance in Winchester, VA
Methodology
The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.