Find affordable auto insurance that works for you in Washington, D.C. Compare quotes from over 100 top companies.
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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.?
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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.
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.
Although I do not have a claims license, my best advice would be to collect all the information you have from other contractors and speak with the claims adjuster assigned to your case. Most policies are written to reimburse the policy holder with comparable value as what they had before.
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.
Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.
She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.