What's the Average Cost of Car Insurance in Washington, D.C.?

The Zebra
Oct. 11, 2018

Car insurance is expensive in Washington, D.C. The average auto insurance cost in the District of Columbia is $1,464 per year — 2.5% more than the US average.

Your car insurance prices are dictated by factors other than location. Car insurance premiums take into account myriad factors, including your age, gender, marital status, credit rating, and driving history.

We analyzed typical Washington, D.C. car insurance prices by all of the primary rating factors. Read on to see how much car insurance costs in your state — or enter your zip code to view tailored rates from top insurance companies.


Average Auto Insurance Rates in the District of Columbia by Age

It's impossible to avoid: as you age, your auto insurance expenditures change. As a general rule, car insurance is more expensive for young drivers and teens, as underwriters see inexperienced motorists as less responsible.

In DC, car insurance costs $7,874 per year for a 16-year-old driver, but just $1,352 yearly for a client aged from 50 to 60.


DISTRICT OF COLUMBIA CAR INSURANCE RATES BY AGE
Age Average Yearly Premium
16 $7,873.56
17 $6,273.98
18 $5,456.98
19 $3,400.28
20s $1,962.92
30s $1,438.85
40s $1,425.96
50s $1,352.48
60s $1,420.57
70s $1,815.36



Average Car Insurance Expenditures in Washington, D.C. by Gender

While gender doesn’t make as large an impact on car insurance costs as state or age, it is incorporated as a rating factor. Men pay less than do women for car insurance in the District of Columbia, but the disparity is just $24.00 annually.

DC CAR INSURANCE RATES FOR MEN AND WOMEN
Gender Average Annual Cost
Male $1,463.73
Female $1,487.73



Mean Auto Insurance Rates in Washington, D.C. by Marital Status

One benefit of nuptials — in addition to the wedding gifts — is the better deal you may get on insurance. In the District of Columbia, married drivers save $69 each year on car insurance policies. This is less than the US mean of $76.


DC CAR INSURANCE RATES BY MARITAL STATUS
Marital Status Average Annual Rate
Single $1,463.73
Married $1,394.80
Divorced $1,463.73
Widowed $1,413.75



Average Car Insurance Prices in the District of Columbia by Credit History

Car insurance underwriters reference credit score as a way of determining the reliability of a prospective customer. Historical data indicate drivers who hold exceptional credit scores are more dependable car insurance customers: they less frequently file claims covered by insurance companies.

In Washington, D.C., a car insurance client with exceptional credit saves $1,870.20 annually on car insurance rates, compared to a driver saddled with a poor credit history. Learn more about how credit history can impact car insurance rates:


DISTRICT OF COLUMBIA AUTO INSURANCE RATES BY CREDIT SCORE
Credit Score Average Annual Rate
Very Poor (300-579) $3,213.98
Fair (580-669) $2,545.58
Good (670-739) $1,934.15
Very Good (740-799) $1,535.23
Exceptional (800-850) $1,343.78



Average Car Insurance Premiums for Bad Drivers in the District of Columbia

If you've been defined as at fault for an accident or convicted of an on-road offense, your insurance rates are going to rise. The more offenses you accumulate, the pricier your auto insurance becomes.

In DC, your first minor at-fault accident will cost you $609.07 per year in car insurance premiums. A DUI or DWI — considered one of the most grievous driving violations — will boost your annual insurance expenditure by an average of $726.05.


WASHINGTON DC CAR INSURANCE COSTS AFTER OFFENSES
Age Average Annual Rate
DUI or DWI $2,189.59
Reckless Driving $2,411.67
At-Fault Accident (<$1,000) $2,072.61
At-Fault Accident ($1,000-$2,000) $2,464.56
At-Fault Accident (>$2,000) $2,072.61
Open Container $2,198.49
Speeding (21-25 MPH > limit) $2,085.06
Speeding (16-20 MPH > limit) $2,085.06

If you're facing above-average car insurance payments, think about weighing rates to discover reasonably priced coverage that suits you.


Compare car insurance quotes today!

Don't forget to share!