I grew up in Southern California, where winter fashion isn’t really a necessity. But after spending over a decade in the Midwest—first in St. Louis, then in Santa Fe—I’ve built up a collection of winter jackets. Some get a lot of wear, while others mostly stay in the closet.
Here’s what I’ve learned: The best winter jackets are versatile and durable. They come in neutral colors, aren’t too short, and strike the perfect balance between warmth and layering potential. They should be light enough to wear under a heavier coat but thick enough to provide real insulation, not just style.
Below are five winter jackets that check all these boxes. They’re all available on Amazon and, as always, budget-friendly.
People often use “jacket” and “coat” interchangeably, but technically, they’re different. Coats are heavier and longer, while jackets are lighter and shorter. That knee-length camel coat with fur trim you pull out when it snows? That’s a coat. The bomber you throw on for a crisp fall evening? That’s a jacket.
One more thing: You can wear a coat over a jacket, but you wouldn’t typically layer a jacket over a coat.
A classic choice is the black cotton fitted peacoat. It has a structured, military-inspired look with soft fabric and decorative buttons that fasten neatly around the body. It’s sleek enough to wear under a heavier coat but stylish enough to stand on its own.
If you find one under $100 with solid reviews, grab it. This version from Allegra K is a great option. You’ll reach for it again and again, whether on its own or layered under a trench coat. There are plenty of options online, so now’s the time to find your perfect winter staple.
For a more casual vibe, a quilted bomber is a great go-to when temperatures drop. Levi’s makes one with a rib-knit collar and cuffs to lock in warmth. It pairs effortlessly with jeans and a sweater but can also be layered under a long puffer for extra insulation.
A camel-colored moto jacket adds a touch of sophistication to your winter wardrobe. Its snug fit makes it a great middle layer over fitted sweaters and turtlenecks, and it’s stylish enough to wear all day as part of your outfit.
Tagoo’s faux leather version features a polyester lining and a removable hood, which is handy if your heavier coat already has one.
If you prefer a sporty look, a hybrid puffer is a great choice. I have one in bright orange, and it’s a staple in my winter wardrobe. The quilted body keeps you warm, while the spandex sleeves allow for easy movement. It’s perfect for active winter days, and if it gets really cold, you can layer a longer puffer over it.
Baleaf markets this as a runner’s jacket, but I think it’s also a great pick for budget-conscious fashion lovers who want both function and style.
Another sporty yet surprisingly polished option is a sleek fleece jacket. Though designed for outdoor activities, it can work well over office attire too.
Magcomsen’s version is both cozy and practical. The fleece fabric keeps you warm, while the zippered pockets and affordable price make it a smart buy.