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: WASHINGTON DC VS. NATIONAL/STATE MEAN
City AverageState AverageNational Average
$1,463$1,464$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.


WASHINGTON DC 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 DC Car Insurance by 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 up until that age drivers can expect premium reductions when they progress from one age group to the next.


WASHINGTON DC 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 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.


WASHINGTON 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


Washington Car Insurance With Accidents or Violations


Do you have an accident or violation history? That can influence your car insurance rates. Reckless driving will increase your car insurance premiums more than other driving violations. Typically, a DUI in Washington will cost you 50% more in car insurance premiums versus the city average ($1,463). Reckless driving will push your rates up as well, with typical rates of $2,411. That is 65% higher than the city average! If you are found at-fault in an accident in Washington, you can expect your annual car insurance premiums to grow by $609.


AVERAGE WASHINGTON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Rate
DUI$2,189
Reckless Driving$2,411
At-fault Accident (damages less than $1,000)$2,072
At-fault Accident (damages greater than $2,000)$2,072
Speeding Ticket (16-20 mph over speed limit)$1,735


What drives up car insurance rates in Washington?

Where you live in Washington, D.C. affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Washington, D.C. is no exception to the rule. From zip code 20001 to 20376, premiums rise by 1 percent—that’s $24.

Expensive Washington, D.C. Zip Codes: 20500, 20398, 20391, 20388, 20376

Cheap Washington, D.C. Zip Codes: 20001, 20002, 20003, 20004, 20005

Washington Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Washington, you can expect 114 rainy days with an annual rainfall of 39.7 inches. Washington is also known to experience thunderstorms and severe winter storms. You can check on the condition of the roads anytime here.

114

Rainy Days a Year

40"

Avg. Annual Rainfall

15"

Avg. Annual Snowfall

Be Prepared For

Driving in the Nation's Capital

2
Major Highways
I-495 I-66 I-695
2
Public Transit
Metrobus Metrorail
2
Toll Roads
Dulles Toll Road Dulles Access Road
2
Popular Day Trips
Winchester Annapolis Fredericksburg

Car Insurance Companies in Washington

Find Local Washington Agents

Rust Insurance Agency

1510 H St NW 5th Fl Washington, DC 20005

NLADA Insurance Program

1140 Connecticut Ave, NW, #900 Washington, DC 20036

Howard & Hoffman, Inc.

3201 New Mexico Ave NW Washington, DC 20016

Howard W. Phillips & Company

2555 Pennsylvania Ave NW Washington, DC 20037

Lockhart's Insurance Services

3907 Georgia Avenue NW Washington, DC 20011

Alliance Insurance Services, Inc

1660 L Street, NW, # 210 Washington, DC 20036

Flather & Perkins, Inc.

888 17th Street NW #508 Washington, DC 20006

Clements International

One Thomas Circle NW, 8th Fl Washington, DC 20005

Georgetown Financial Services Corporation

1050 17th St NW #600 Washington, DC 20036

Lockton Companies

1801 K Street NW Ste 200 Washington, DC 20006

Pilzer-Gullickson Grou, LLC

455 Massachusetts Ave NW FL 1 Washington, DC 20001

Elite Insurance & Consulting Services

430 M St., SW #110 Washington, DC 20024

See All

2

$1,645

The average Washingtonian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

icon_coffee

263

That's equal to 263 cups of coffee or $658 in savings

See How Much You Can Save in Washington

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Washington Car Insurance

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