Cheap Washington, D.C. Car Insurance

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Washington, D.C. auto insurance: what you need to know

If you're looking for the best cheap car insurance in D.C., read on for useful data and information from The Zebra's insurance experts.

What's the cheapest car insurance in Washington, D.C.?
RankCompany NameAvg. Annual Premium
1USAA$997
2GEICO$1,747
3State Farm$2,093
4Progressive$2,352
5Allstate$4,159

Washington, D.C. car insurance: in-depth analysis

We compiled in-depth data from Washington D.C., and organized it below to help you find affordable auto insurance in the nation's capital. Shopping for car insurance should be easy — that way you can spend more time on the things you enjoy.

We'll cover a few primary rating factors and topics below, including:

  1. Cheap car insurance in Washington DC
  2. DC car insurance by credit tier
  3. DC car insurance by age
  4. DC car insurance by marital status
  5. DC car insurance by driving history

 

How much does car insurance cost in Washington D.C.?

The District of Columbia has premiums that are relatively consistent with the national average, as they are within $37 of one another. Let's compare car insurance costs in Washington versus premiums across the nation.

AUTO INSURANCE PREMIUMS: D.C. VS U.S. AVERAGE
D.C. AverageNational Average
$1,463$1,427

 

Washington, D.C. car insurance by credit level

People with Very Poor credit (300-579) pay an average of 2.4x more every year for car insurance than those with Exceptional credit (800-850). The most notable benefit of better credit comes from improving from Very Poor (300-579) to Fair (580-669), by which drivers can save an average of $611 per year.

D.C. AUTO INSURANCE COSTS BY CREDIT LEVEL
Credit QualityAverage Car Insurance Rate
Very Poor$3,213
Fair$2,545
Good$1,934
Very Good$1,535
Exceptional$1,344

 

Washington D.C. car insurance by driver age

Looking across all age groups, drivers in their 50s have the lowest premiums. Their rates usually average $1,352 per year. Teenage drivers have the highest rates amongst all the age groups. They have car insurance payments that average $5,750. The greatest dip in premiums for Washington drivers happens when they hit their 20s. Once out of the teenage age bracket, individuals save, on average, $3,787 annually. Turning 60 causes an increase in rates, but until that age, drivers can expect premium reductions when they progress from one age group to the next.

D.C. AUTO INSURANCE PREMIUMS BY AGE
AgeAverage Rate
Teenagers$5,750
20s$1,963
30s$1,439
40s$1,426
50s$1,352
60s$1,420
70s$1,815

 

Washington D.C. car insurance by marital status and gender

In Washington, several driver attributes, including marital status and gender, can play a part in car insurance premiums. Being single can cost you 5% more per year compared to being married. Rates for those who are widowed are moderately cheaper than rates for those who are single. Premiums are more costly for women. Women usually pay 2% more than men each year for insurance.

D.C. AUTO INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,487
Male$1,463
Single$1,463
Married$1,395
Divorced$1,463
Widowed$1,414

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How do tickets affect Washington D.C. auto insurance rates?

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.

Below is a look at car insurance costs in Washington, D.C. after some common violations. Learn more about auto insurance regulations in Washington, D.C.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,52669%$1,031
Refused Breathalyzer/Chemical Test$2,45064%$955
DUI$2,45064%$955
Racing$2,00134%$506
Reckless Driving$2,22149%$726
Driving with a Suspended License$2,36158%$866
At-Fault Accident$2,09240%$596
Driving with an Open Container$1,73716%$242
Operating a Vehicle Without Permission$1,80821%$313
Passing a School Bus$1,86825%$373
Improper Passing$1,77819%$283
Following Too Closely$1,77819%$283
Speeding$1,78219%$286
Failure to Stop at a Red Light$1,77819%$283
Illegal Turn$1,77819%$283
Driving Wrong Way/Wrong Lane$1,77819%$283
Failure to Yield$1,77819%$283
Speeding in a School Zone$1,76618%$271
Driving Too Slowly$1,76618%$271
Distracted Driving$1,75818%$263
Driving with Expired Registration$1,67612%$181
Failure to Show Documents$1,67612%$181
Not-at-Fault Accident$1,5403%$44
Failure to Use Child Safety Restraint$1,4960%$0
Failure to Wear a Seat Belt$1,4960%$0
Driving Without Lights$1,4960%$0
Kristine Lee LinkedIn

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.