Best Winona, MS Car Insurance in 2026
Car insurance in Winona, MS averages $289 a month. Winona, Mississippi car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Winona car insurance rates, compare quotes from the top car insurance companies in Winona, MS.
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Table of Contents
Table of Contents
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Zach Fagiano
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Michael Leotta
Updated December 2025
- The cheapest car insurance company in Winona is USAA
- Average car insurance rates in Winona, MS after a DUI are $4,185/year
- Average car insurance rates in Winona, MS are $3,463/year
If you need to buy Winona, Mississippi car insurance, the options can be confusing. Everything you need to know about car insurance in Winona, MS is right here.
You’ll find Winona car insurance rates, the cheapest Winona, MS car insurance companies, and information on Mississippi car insurance laws. You can also compare Winona, Mississippi car insurance rates to Southaven car insurance rates, Tupelo car insurance rates, and Biloxi car insurance rates.
Ready to find affordable Winona, MS car insurance today? Enter your ZIP code for fast, free Winona car insurance quotes.
Cheapest Winona, MS Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Winona, MS car insurance rates? Every Winona, Mississippi car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $2,434 | $2,332 | $2,163 | $2,212 | $9,519 | $10,156 | $2,789 | $2,873 |
| Geico | $2,915 | $2,762 | $2,660 | $2,471 | $7,046 | $6,680 | $4,732 | $2,356 |
| Liberty Mutual | $2,555 | $2,769 | $2,060 | $2,314 | $8,987 | $9,998 | $2,709 | $2,847 |
| Nationwide | $2,178 | $2,244 | $1,948 | $2,073 | $4,297 | $5,499 | $2,460 | $2,673 |
| Progressive | $2,169 | $2,034 | $1,765 | $1,714 | $7,596 | $8,505 | $2,230 | $2,310 |
| State Farm | $1,899 | $1,899 | $1,690 | $1,690 | $5,287 | $6,664 | $2,108 | $2,380 |
| Travelers | $1,640 | $1,671 | $1,553 | $1,557 | $7,297 | $11,605 | $1,715 | $1,997 |
| USAA | $1,428 | $1,415 | $1,327 | $1,346 | $3,532 | $4,202 | $1,746 | $1,928 |
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Minimum Car Insurance in Winona, MS
Every driver must carry the minimum car insurance in Winona, MS. Take a look at the Mississippi car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Winona, MS Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Winona, MS. Compare credit history car insurance rates in Winona from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,986 | $4,417 | $3,526 |
| Geico | $5,960 | $3,376 | $2,523 |
| Liberty Mutual | $6,139 | $3,750 | $2,951 |
| Nationwide | $3,435 | $2,790 | $2,540 |
| Progressive | $4,034 | $3,419 | $3,168 |
| State Farm | $4,252 | $2,582 | $2,022 |
| Travelers | $4,120 | $3,359 | $3,408 |
| USAA | $2,899 | $1,881 | $1,567 |
Cheapest Winona, MS Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Winona, MS to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,653 | $4,292 | $5,165 | $4,128 |
| Geico | $2,439 | $3,724 | $5,700 | $3,948 |
| Liberty Mutual | $3,043 | $4,843 | $4,965 | $4,268 |
| Nationwide | $2,322 | $2,979 | $3,808 | $2,578 |
| Progressive | $3,042 | $4,049 | $3,498 | $3,573 |
| State Farm | $2,698 | $3,263 | $2,924 | $2,924 |
| Travelers | $3,175 | $3,324 | $4,554 | $3,463 |
| USAA | $1,652 | $2,108 | $2,866 | $1,837 |
Cheapest Winona, MS Car Insurance for Teen Drivers
Teen car insurance in Winona, MS can be expensive. Take a look at rates from the top car insurance companies in Winona for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,519 | $10,156 |
| Geico | $7,046 | $6,680 |
| Liberty Mutual | $8,987 | $9,998 |
| Nationwide | $4,297 | $5,499 |
| Progressive | $7,596 | $8,505 |
| State Farm | $5,287 | $6,664 |
| Travelers | $7,297 | $11,605 |
| USAA | $3,532 | $4,202 |
Cheapest Winona, MS Car Insurance for Seniors
Take a look at Winona, MS senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,163 | $2,212 |
| Geico | $2,660 | $2,471 |
| Liberty Mutual | $2,060 | $2,314 |
| Nationwide | $1,948 | $2,073 |
| Progressive | $1,765 | $1,714 |
| State Farm | $1,690 | $1,690 |
| Travelers | $1,553 | $1,557 |
| USAA | $1,327 | $1,346 |
Cheapest Winona, MS Car Insurance Rates After a DUI
A DUI in Winona, MS increases car insurance rates. Compare Winona, Mississippi DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,165 |
| Geico | $5,700 |
| Liberty Mutual | $4,965 |
| Nationwide | $3,808 |
| Progressive | $3,498 |
| State Farm | $2,924 |
| Travelers | $4,554 |
| USAA | $2,866 |
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Cheapest Winona, MS Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Winona, MS by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,310 | $4,310 |
| Geico | $3,943 | $3,963 |
| Liberty Mutual | $4,280 | $4,280 |
| Nationwide | $2,922 | $2,922 |
| Progressive | $3,540 | $3,540 |
| State Farm | $2,881 | $3,023 |
| Travelers | $3,629 | $3,629 |
| USAA | $2,050 | $2,181 |
The Best Cheap Car Insurance Companies in Winona, MS
Take a look at a side-by-side comparison of the top car insurance companies in Winona, MS to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,310 |
| Geico | $3,953 |
| Liberty Mutual | $4,280 |
| Nationwide | $2,922 |
| Progressive | $3,540 |
| State Farm | $2,952 |
| Travelers | $3,629 |
| USAA | $2,116 |
Category Winners: Cheapest Car Insurance in Winona, Mississippi
Find the cheapest car insurance companies in Winona, MS for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
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Cheapest Winona, MS Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Winona car insurance rates. Find the cheapest Winona, MS car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,151 | $4,306 | $4,472 |
| Geico | $3,743 | $3,978 | $4,137 |
| Liberty Mutual | $3,995 | $4,259 | $4,585 |
| Nationwide | $2,770 | $2,913 | $3,082 |
| Progressive | $3,181 | $3,580 | $3,860 |
| State Farm | $2,787 | $2,938 | $3,131 |
| Travelers | $3,435 | $3,652 | $3,801 |
| USAA | $1,984 | $2,105 | $2,258 |
What affects car insurance rates in Winona, Mississippi?
What factors can have an impact on Winona, MS car insurance? There are several reasons why Winona car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Winona, Mississippi.
Car Theft in Winona
High levels of vehicle theft can make car insurance more expensive. Winona, MS car theft statistics from the FBI indicate 3 vehicle thefts a year.
Commute Time in Winona
The more time you spend in your car the higher the risk of an accident. The average commute length in Winona, MS is 26.9 minutes according to City-Data.
Compare Car Insurance Quotes in Winona, MS
Ready to find affordable Winona, Mississippi car insurance today? Enter your ZIP code for fast, free Winona, MS car insurance quotes.
Frequently Asked Questions
What is the average car insurance rate in Winona, MS?
The average car insurance rate in Winona, MS is $289 per month.
What are the car insurance requirements in Winona, Mississippi?
The car insurance requirements in Winona, MS are 25/50/25, but if your car is financed, you may need full coverage insurance.
How can I find cheap car insurance rates in Winona, MS?
To find cheap car insurance rates in Winona, MS, compare quotes from the top car insurance companies in the area.
How do age, gender, and marital status affect car insurance rates in Winona, MS?
Every car insurance company weighs age, gender, and marital status differently when determining rates. It’s recommended to check out the comparison rates for these factors.
What are the minimum car insurance requirements in Winona, MS?
Every driver in Winona, MS must carry the minimum car insurance required by the state. Check out the Mississippi car insurance requirements for more details.
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