Here's what you need to know when driving in Washington, D.C.
We've made shopping for the best cheap insurance in Washington, D.C. easy. Below, learn how the most common rating factors affect average premiums in the United State's capital. Or, submit your ZIP code above to compare personalized rates in minutes.
Affordable insurance companies in Washington, D.C.
What's the cheapest car insurance in Washington, D.C.?
Compare quotes from dozens of insurance companies in Washington, D.C. by entering your ZIP code below.
Compare Washington, D.C. car insurance quotes from top providers.
Cheap auto insurance for young drivers in Washington, D.C.
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Washington, D.C., the typical teen driver pays $5,750 per year — about four times what the average D.C. driver pays.
D.C. AUTO INSURANCE PREMIUMS BY AGE
Cheap auto insurance for bad drivers in Washington, D.C.
If you have a clean driving record in Washington, D.C. — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 34% after a DUI, 37% after an at-fault accident, and 17% after a speeding ticket in Washington, D.C. Car insurance companies penalize DC drivers less severely after DUI violations than many other states. If you have a sparkling clean driving history, be sure to inquire about your insurer's safe driver discount.
DC AUTO INSURANCE BY RATING FACTOR
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Top rated car insurance companies in Washington, D.C.
Each auto insurer boasts about its low costs. But just like with any product, the cheapest choice isn't always the finest idea. Considering the stakes, it's worth doing the due diligence to find an insurance policy that protects your car completely in the event of a collision. Work to find the best value, rather than settling for the most affordable car insurance you can find.
Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers.
How tickets change insurance rates in Washington, D.C.
If you receive a ticket, your auto insurance rates may rise. By how much depends on the type of violation, your car insurance company's pricing standards, and differing local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
You won't be able to file multiple claims for the same accident. Your insurance company and the company of the other driver will settle on a final value for your car if it is considered a total loss so the payout would essentially be the same regardless of who pays the claim.
Unfortunately, car insurance is reflective of both you and the surrounding environment. Meaning, the increase value of vehicles, rise in claims and cost of claims, and medical costs can all make insurance premiums increase.
Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.