When you live in a place that has all four seasons, getting the right outerwear can get pretty expensive. Thanks to their smart designs, the best women’s three-in-one jackets can be separated so you can wear either the inner shell or outer layer individually on transitional-weather days, or you can zip both pieces together to keep you warm in frigid weather — so you’re essentially getting multiple jackets for the price of one. Best of all, some quality options are less than $100.
What To Look For When Shopping For 3-In-1 Jackets
You'll want to consider both the external and internal jackets and their materials when choosing which one is right for you. If you're looking for a jacket that will keep you warm while you're out running errands, you could go with one that has a super-soft fleece lining to keep you comfortable all day. On the other hand, if you're planning to wear your jacket in rain or snow, you may want to go with something that has both waterproof inner and outer shells, so you can wear any piece no matter what the weather is. A hood (either removable or not) is also key for braving wet weather.
And finally, you also want to consider your personal style. There are a ton of high-quality three-in-one jackets out there, but you definitely want to invest in a jacket you actually like wearing. You could go for a sporty style that you could wear during outdoor activities, or even a dressier long coat that looks chic enough to wear out to dinner. Of course, just keep in mind that the longer the jacket is, the more heat it’ll trap.
Cover all your cold-weather bases with the best three-in-one jackets on Amazon, up ahead.
1. The Fan-Favorite 3-In-1 Jacket With 4,500+ 5-Star Ratings
If you love to be outside in wet and chilly weather, this waterproof three-in-one jacket is a great option at an affordable price. The entire jacket is waterproof, from the quilted puffer inner lining to the windbreaker outer shell, so you can wear any piece in any weather without worrying that you're going to get soaked. This jacket system also includes a detachable hood, as well as multiple easy-to-access pockets with zippers. Plus, there are mesh "vents" under the arms in the outer jacket. That way, if you do get caught in bad weather, this jacket helps to release moisture so you can stay warm and dry. In colors ranging from this deep purple to light pink to turquoise, there’s sure to be a style that you'll love.
According to one reviewer: "I was desperately seeking a warm ski jacket that fit! It’s perfect! I waited to write the review until I went skiing in it. It was warm and the pockets were just what I needed / wanted. The coat separates easily and each piece is a great jacket on its own. Now I sort of want one in every color!"
Sizes: Small — 3X-Large | Colors: 15 | Lining: Quilted | Removable Hood: Yes | Waterproof: Yes
2. A Colorful 3-In-1 Jacket With A Fleece Lining
This three-in-one jacket is made with a soft fleece innermost layer and has a high collar to protect you from those late-autumn winds. The outer shell is completely waterproof and windproof, and it features cuffs at the wrists to help trap in heat. This jacket even has a convenient zipper pocket at the chest, so you can easily grab your wallet or phone when you're out and about. It's available in 11 different colors, ranging from neutrals to brights.
According to one reviewer: "I really love this coat. It's really warm, has zippered pockets, and can be worn as just the inner fleece, the outer shell, or together, as I wore it all through a cold winter in upstate New York. I was really surprised by the quality for how inexpensive it was. It's a great color and you can just brush dirt and dust off the outer shell."
Sizes: Small — 3X-Large | Colors: 11 | Lining: Fleece | Removable Hood: Yes | Waterproof: Yes
3. This Long 3-In-1 Jacket In A Selection Of Chic Shades
This long three-in-one jacket has a matte, water-resistant exterior and a quilted interior lining that reviewers love to wear solo. The quilted interior jacket has its own pockets, and the knee-length hem and hood not only trap heat, but also look elevated enough to wear for upscale occasions. Pictured here in camel, this jacket also comes in a gorgeous plum, navy, and classic black shades, all equally chic.
According to one reviewer: “Great jacket for the price, very sturdy and durable. Great color and nice big hood.”
Sizes: 14-16 — 38-40 Plus | Colors: 4 | Lining: Quilted | Removable Hood: No | Waterproof: No (Water-Resistant)
4. A Columbia Jacket With A Faux-Fur-Lined Hood
This three-in-one jacket from Columbia comes with a faux-fur lining on the hood that adds a stylish detail and a bit of warmth. The interior quilted jacket is outfitted with Columbia’s signature Heat Reflective fabric that retains heat and dispels moisture, and it has a stand collar that’ll keep your neck warm. Meanwhile, the exterior shell is durable, breathable, waterproof, and features both a two-way zipper and a button closure to trap heat in truly freezing temperatures. This option comes in 15 colors, including neutrals and brights. One note: While the faux fur can be removed from the hood, the hood cannot be removed from the jacket.
According to one reviewer: “I love this coat. The Omniheat reflective layer in the padded jacket works really well, maybe too well when I'm running around! All my other coats needed extra layers as I normally feel the cold quite a bit.”
Sizes: X-Small — 3X | Colors: 15 | Lining: Quilted Polyester | Removable Hood: No | Waterproof: Yes
5. An Affordable 3-In-1 Jacket For Under $60
The outer shell of this three-in-one jacket has been treated with a water-resistant finish that repels droplets, so it’s ideal for light rain and snow; and with the fleece lining’s high collar and the outer shell’s roomy hood, you're protected from every angle. Even cooler? The hood is removable and can be rolled up to fit in this coat’s pockets. It’s hard to beat that under-$60 price tag too, considering that you’re getting three adaptable pieces in one.
According to one reviewer: "I love this jacket! I've had it now for a few months, I wanted to make sure I truly liked it. I got it monogrammed as soon as it arrived. It's so versatile. I've worn it all three ways. It definitely shields you from the elements. Great so far for fall and winter wear.”
Sizes: 2 — 28 Plus | Colors: 9 | Lining: Microfleece | Removable Hood: Yes | Waterproof: No (Water-Resistant)
6. A 3-In-1 Jacket In A Bold Camo Print
Made specifically for outdoor sports, this patterned jacket is not only easy on the wallet, it’s also super-warm and guaranteed to hold up to wear and tear. The inner layer is made from warm and cozy fleece, while the outer shell and hood are windproof and waterproof. Incredibly lightweight and breathable, this jacket has adjustable cuffed sleeves to help keep the cold out. This comes in 11 different colors, including a few colorful camo prints.
Sizes: X-Small — XX-Large | Colors: 11 | Lining: Fleece | Removable Hood: No | Waterproof: Yes
7. A 3-In-1 Jacket With Built-In Heat Panels
This three-in-one jacket is equipped with five battery-powered heating panels across the shoulders, back, and chest, and you can choose from three heat settings, depending on just how freezing your conditions are. You can even charge the battery with a standard USB charger whenever it's running low. On top of that, the inner layer is made from soft fleece, and the outer shell is windproof and water-resistant, so it'll protect you from the elements. Choose either classic black or bold red.
According to one reviewer: “This coat on its own is very warm and cozy. The option to heat up is just an excellent bonus! It is easy to use, comfy, and perfect for those cold winter months. I walk dogs during the winter and needed something to really keep me warm. This will do the trick for sure.”
Sizes: X-Small — 3X-Large | Colors: 2 | Lining: Fleece | Removable Hood: Yes | Waterproof: No (Water-Resistant)
8. A Columbia Jacket With A Cozy Fleece Lining
Unlike the other Columbia jackets on this list, this one features a fleece liner jacket that will keep you so cozy in the cold weather. It also features Columbia’s signature Heat Reflective technology, designed to increase heat retention inside the jacket, while still feeling breathable and preventing you from sweating. The exterior is waterproof for snow and rainstorms, and the whole thing is machine washable. As another unique feature, the hood can be adjusted and removed.
According to one reviewer: “Love this jacket! Perfect fit and has everything I require in a jacket! Velcro at wrists and over zipper, zip-off hood, covers my bum, zippered pockets AND a zip out liner that’s a great little sweater!”
Sizes: X-Small — 3X | Colors: 23 | Lining: Fleece | Removable Hood: Yes | Waterproof: Yes
9. A Tommy Hilfiger Jacket With A Quilted Inner Layer
Available in red, navy, and classic white, this three-in-one jacket from Tommy Hilfiger (complete with a brand logo down the arm) is a stylish choice. Zippered pockets on each side, as well as one on the sleeve and another on the breast pocket, keep your valuables safe and secure. The cuffed sleeves and quilted liner help retain heat. This also has a detachable hood, and it’s machine-washable.
According to one reviewer: “I love everything about this jacket. I own several Tommy items and they all have fit me well. This jacket was no exception. I thought it might be too bulky, but it wasn't. It was no more bulky than my puffer jacket and actually warmer. It was plenty warm with both layers at 35 degrees last week. Would it be okay in the teens or lower.”
Sizes: X-Small — X-Large | Colors: 3 | Lining: Quilted | Removable Hood: Yes | Waterproof: Not Listed
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