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Get Cheap Car Insurance in Winchester, OR
We monitor insurance prices, helping the average driver in Winchester save up to 34.7% on car insurance.
The Cheapest Minimum Coverage in Winchester
The chart below shows the cheapest car insurance company in Winchester for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by State Farm, Country Financial, and Travelers.
| Winchester Insurer | Monthly Cost |
|---|---|
| Metromile | $57 |
| State Farm | $58 |
| Country Financial | $64 |
| Travelers | $67 |
Savings for Every Kind of Winchester Driver
Based on our extensive insurance data, we know the average Winchester driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $428 per year by choosing the right vehicle insurance company. Some Winchester residents are paying out over $1,346 extra every year for auto insurance in Winchester. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Winchester, OR Savings / Yr. |
|---|---|
$428 |
|
$636 |
|
$519 |
|
$583 |
|
$1,547 |
|
$418 |
|
$498 |
Winchester Car Insurance vs. Oregon
People living in Winchester pay an average of 10.73% less than the typical driver in the state. The average driver in Winchester can expect to pay about $1,039 per year, or $1,346 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Winchester for most people.
Car Insurance Prices by Winchester Neighborhood
Insurance Prices
Where is insurance cheapest within Winchester?
The map shows insurance prices in and around Winchester, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $161 per year within the city boundaries, with insurance premiums ranging from a high of $1,484 to a low of $1,323. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northeast parts of Winchester.Pick the Best Car Insurance Company for You in Winchester
The best car insurance provider for most drivers in Winchester
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $428 over the average Winchester car insurance company.
The best car insurance provider for Winchester drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $636 over the competition.
The best car insurance company for Winchester drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $519 better than other car insurance companies.
The best auto insurance for Winchester drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $583 less each year.
The least expensive car insurance company for new and young drivers in Winchester
In Winchester, Country Financial costs young drivers $1,547 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Winchester
State Farm gave the largest car insurance discounts to married couples, averaging $418 saved each year compared to an average Winchester couple's premiums.
The cheapest car insurance in Winchester for drivers with bad credit
The best Winchester car insurance company for customer service
Nationwide was the best company for customer service in Winchester according to the NAIC.
Recent price drops
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The cheapest large national provider in Winchester
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Winchester driver can expect to pay about $97 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Winchester, USAA has the best prices for drivers with a DUI conviction, drivers with bad credit, good drivers, drivers with speeding tickets, young drivers, married couples, and drivers with accidents.Auto Insurance Prices in and Around Winchester
What Influences the Cost of Car Insurance in Winchester?
On average, car insurance in Winchester is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Winchester is 19 minutes, which is far less than average for a driver in the state.
- Oregon state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Winchester are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Winchester is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Winchester is $87 per month for minimum coverage and $112 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Roseburg North: Insurance costs 2.97% more
- Wilbur: Insurance costs 1.11% less
- Roseburg: Insurance costs 4.16% more
- Green: Insurance costs 4.38% more
- Umpqua: Insurance costs 1.04% more
- Stephens: Insurance costs 5.65% more
- Sutherlin: Insurance costs 1.41% more
- Glengary: Insurance costs 0.97% less
- Union Gap: Insurance costs 0.37% less
- Dixonville: Insurance costs 0.97% less
Cities with Similar Populations
- Castalia: Insurance costs 21.69% less
- Drumright: Insurance costs 26.52% more
- Kamiah: Insurance costs 15.90% less
- Elsie: Insurance costs 105.72% more
- Essex: Insurance costs 43.09% more
- Flora: Insurance costs 12.04% less
- Homer: Insurance costs 27.71% more
- Murchison: Insurance costs 19.47% more
- Lovell: Insurance costs 14.78% more
- Newbury: Insurance costs 17.61% less