If you've received a citation for a driving offense, it's worth comparing insurance quotes to find an affordable policy.
Why you can trust The Zebra
If you have caused a crash, filed an insurance claim, or received a citation for a serious violation, you might be a good candidate for high-risk auto insurance. Car insurance for high-risk drivers is typically costly, but the degree of extra cost you receive may depend on your auto insurance company, your driving record, and the state in which you live.
If you are deemed responsible for causing an auto accident, expect your car insurance costs to go up. In Washington, D.C., the typical insurance premium following an at-fault accident is $1,969, versus the national average of $2,012.
A major incident like an at-fault crash can stay on your insurance record for as long as three years.
|Location||With At-Fault Accident — Annual Rate||No At-Fault Accident — Annual Rate||Yearly Rate Increase|
The cheapest auto insurance company following an at-fault crash in Washington, D.C. is State Farm. State Farm’s usual rate increase after a crash is $254, resulting in a premium 13 percent less expensive than the average among all companies. If you’ve caused an accident in Washington, D.C., avoid Allstate, which sits at the pricier end of the spectrum.
|Insurance Company||Annual Premium After an At-Fault Crash|
One of the violations that earns drivers the "high-risk" tag is speeding. In Washington, D.C., car insurance premiums rise by $287 per year following a speeding ticket, up to an average annual rate of $1,751.
|Location||With a Speeding Ticket — Annual Rate||No Speeding Ticket — Annual Rate||Yearly Rate Increase|
The best way to get cheap car insurance after getting a ticket for speeding is to shop around and weigh your options. The most affordable car insurance after a speeding ticket in Washington, D.C. is available via USAA. USAA’s average premium after a citation is $669 less than the state average. If you are ticketed for speeding in Washington, D.C., Allstate is worth avoiding.
|Insurance Company||Annual Rate After a Speeding Citation|
If you earn a distracted driving citation, your car insurance won't be cheap. In Washington, D.C., auto insurance rates typically increase by $47 per year. That comes out to a 3% increase from the average annual premium in Washington, D.C., and 73% less than the national average cost of car insurance with a ticket for distracted driving.
|Location||With Distracted Driving — Annual Rate||No Distracted Driving — Annual Rate||Annual Rate Increase|
The best way to find affordable car insurance after a distracted driving citation is to compare options from a variety of companies. The least expensive auto insurance company after a distracted driving ticket in Washington, D.C. is GEICO, with a typical rate of just $862 per year, 43% less than the average distracted driving insurance premium among top insurers.
|Insurance Company||Annual Rate After Distracted Driving|
Racing is considered a very serious violation. Car insurance carriers usually penalize racing citations severely — in fact, Washington, D.C. car insurance premiums increase by an average of $397 annually after a citation for racing. That represents a 27% increase on the average yearly auto insurance premium in the nation's capital.
|Location||With a Racing Citation — Annual Rate||No Racing Citation — Annual Rate||Yearly Rate Increase|
If you've been ticketed for a racing offense, do your due diligence and seek out the cheapest rates. In D.C., look into rates from GEICO, offering prices 16 percent cheaper than the state average after a racing violation.
|Company||Annual Rate With Racing|
As one of the most serious driving infractions, reckless driving is a surefire way to face steep car insurance rates. Insurance companies raise premiums by $726 each year after a reckless driving citation. That's 50% more than than the average insurance rate in Washington, D.C., and 31% less than the national average penalty for reckless driving.
|Location||With Reckless Driving — Annual Rate||No Reckless Driving — Annual Rate||Annual Rate Increase|
If you're found guilty of reckless driving, compare insurance companies to find the most affordable rate. In Washington, D.C., the cheapest insurer after a reckless driving offense is USAA.
|Insurance Company||Annual Rate After Reckless Driving|
If you are seeking auto insurance as a high-risk driver, your best option is to shop around and find a policy that fits your needs.
The traffic laws in Washington, D.C. are designed to protect both drivers and pedestrians alike. Failing to adhere to the maximum speed limits or indulging in reckless or distracted driving leads to serious penalties in Washington, D.C.
You are speeding in Washington, D.C. if you exceed the following maximum speeds:
In addition, drivers must reduce their speed appropriately in the below instances:
Furthermore, drivers are encouraged to use their common sense and drive at a speed that is reasonable given the current set of conditions, regardless of the posted speed limits.
Speeding in Washington, D.C. will subject offenders to a variety of fines and penalties based on the speed they are traveling in excess of a posted limit:
The only way that you can reduce the number of points on your license in Washington, D.C. is through attending Online Traffic School.
Washington, D.C defines “reckless driving” as either of the following:
Essentially, you can be convicted of reckless driving if you directly put people or property in danger.
You can also be convicted of what’s called “aggravated reckless driving” if you:
The first conviction for reckless driving in Washington, D.C. results in:
A second reckless driving offense within two years of a prior conviction in Washington, D.C., leads to:
A third or subsequent conviction for reckless driving in Washington, D.C., results in:
A driver’s first conviction for aggravated reckless driving in Washington, D.C. leads to:
A second or subsequent reckless driving conviction within a two-year period results in:
In the District of Columbia, driving distractions are considered any activities that take your eyes away from the road, including:
If you’re found driving while distracted, law enforcement officers will give you a distracted driving ticket depending on the circumstances.
If it’s a first-time offense and you can obtain a hands-free device before the penalties are applied, then your fine might be suspended.
Participating in vehicle races, speed exhibitions, speed contests, or drag races on any public road, street, or highway is illegal in Washington, D.C.
Washington, D.C has a no-fault system, which means that drivers should have insurance to cover their own injuries and damage rather than using insurance to pay out to the other person.
If you’ve been in a car accident in Washington, D.C, you should file a claim with your car insurance company under your own policy, as per the no-fault policy.
However, your accident might not fit within the confines of the no-fault system if the damages meet one or both of these instances:
In either case, you’re advised to seek legal advice to be told the best way to proceed.
In Washington, D.C., the minimum amount of auto insurance coverage is:
Washington, D.C. drivers must also have uninsured motorist coverage in the amounts of:
There are several penalties for driving without car insurance in Washington, D.C., including:
Sources and references:
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.