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Get Cheap Car Insurance in Winona, MI
We monitor insurance prices, helping the average driver in Winona save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Winona
The chart below shows the cheapest car insurance company in Winona 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 Auto-Owners Insurance, followed by Progressive, State Farm, and Safeco Insurance.
| Winona Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $110 |
| Progressive | $125 |
| State Farm | $126 |
| Safeco Insurance | $133 |
Savings for Every Kind of Winona Driver
Based on our extensive insurance data, we know the average Winona driver will save about 40% 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, and age. The average driver will find themselves saving $1,189 per year by choosing the right vehicle insurance company. Some Winona residents are paying out over $2,959 extra every year for auto insurance in Winona. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Winona, MI Savings / Yr. |
|---|---|
$1,189 |
|
$1,942 |
|
$1,718 |
|
$2,611 |
|
$3,081 |
|
$0 |
|
$0 |
Winona Car Insurance vs. Michigan
People living in Winona pay an average of 2.08% more than the typical driver in the state. The average driver in Winona can expect to pay about $2,248 per year, or $2,959 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Winona for most people.
Car Insurance Prices by Winona Neighborhood
Insurance Prices
Where is insurance cheapest within Winona?
The map shows insurance prices in and around Winona, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $40 per year within the city boundaries, with insurance premiums ranging from a high of $2,973 to a low of $2,933. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the South parts of Winona.Pick the Best Car Insurance Company for You in Winona
The best car insurance provider for most drivers in Winona
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,189 over the average Winona car insurance company.
The best car insurance provider for Winona drivers with accidents on their records
In our analysis, Auto-Owners Insurance saved the average person who had been in an accident the most, with annual savings averaging $1,942 over the competition.
The best car insurance company for Winona drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,718 better than other car insurance companies.
The best auto insurance for Winona drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,611 less each year.
The least expensive car insurance company for new and young drivers in Winona
In Winona, Geico costs young drivers $3,081 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Winona
The cheapest car insurance in Winona for drivers with bad credit
The best Winona car insurance company for customer service
Recent price drops
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The cheapest large national provider in Winona
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Winona driver can expect to pay about $163 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 Winona, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, and drivers with a DUI conviction.Auto Insurance Prices in and Around Winona
What Influences the Cost of Car Insurance in Winona?
On average, car insurance in Winona is more expensive than the rest of the state. These high 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 Winona is 32 minutes, which is about the national average for a driver in the state.
- Michigan state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- Winona is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Winona is $187 per month for minimum coverage and $247 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
- Twin Lakes: Insurance costs 0.47% more
- Nisula: Insurance costs 0.41% less
- Toivola: Insurance costs 0.27% more
- White: Insurance costs the same
- Wainola: Insurance costs 0.88% less
- Greenland: Insurance costs 0.78% less
- Mass City: Insurance costs 0.84% less
- Arnheim: Insurance costs 1.39% less
- Pelkie: Insurance costs 2.47% less
- Elo: Insurance costs 2.30% less
Cities with Similar Populations
- Commerce: Insurance costs 40.52% less
- Weatherby: Insurance costs 54.21% less
- Wayne Center: Insurance costs 46.81% less
- Wayne: Insurance costs 48.33% less
- Waterview: Insurance costs 27.00% less
- Waterloo: Insurance costs 55.90% less
- Wateree: Insurance costs 39.41% less
- Wardview: Insurance costs 2.91% less
- Wardell: Insurance costs 42.04% less
- Waldrip: Insurance costs 44.14% less