What's the Cost of Car Insurance in Washington?
Washington DC has premiums that are fairly similar to the national average, as they are within $73 of one another. We've analyzed how auto insurance rates in Washington compare to costs nationwide.
AUTO INSURANCE COSTS: WASHINGTON VS. STATE/NATIONAL AVERAGES
|City Average||State Average||National Average|
Washington Car Insurance by Marital Status and Gender
In Washington, various driver characteristics, including gender and marital status, have an effect on car insurance premiums. Rates for those who are widowed are relatively cheaper than rates for those who are single. Individuals who are married save an average of $65 per year compared to those who are single. Premiums are more pricey for women. Women normally pay 2% more than men every year for insurance.
WASHINGTON AUTO INSURANCE RATES BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
Washington Auto Insurance by Credit Rating
For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly triple. Drivers can save close to $1,623 per year when they upgrade their credit tier from Very Poor (300-579) to Fair (580-669).
WASHINGTON AUTO INSURANCE RATES BY CREDIT TIER
|Credit||Average Auto Insurance Rate|
Washington Car Insurance for High-Risk Drivers
By knowing which driving mishaps can inflate the cost of insurance rates, you can make better decisions and save money. Insurance rates are influenced by at-fault accident history, and more specifically, by the extent of the damage that resulted from the accidents. Being at-fault in an accident with damages exceeding $2,000 costs you an extra 2% per year in premiums compared to an accident with damages less than $1,000. Drivers with a DUI in Washington have rates that exceed the city average of $1,496 by 64%. Reckless driving will drive your rates up as well, with average rates of $2,221, which are 49% higher than the city average.
AVERAGE WASHINGTON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Rate|
|At-fault Accident (damages less than $1,000)||$2,061|
|At-fault Accident (damages greater than $2,000)||$2,107|
|Speeding Ticket (16-20 mph over speed limit)||$1,766|
Washington Auto Insurance Costs by Age Bracket
With payments of $5,808 on average, teenage drivers pay the most in car insurance premiums. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest rates among any age group, with rates of $1,389. In Washington, drivers see the largest drop in premiums when they hit their 20s, as they save an average of 66% from moving out of the teenage age range. Premiums in Washington continue to trend downward up until drivers hit 60.
WASHINGTON CAR INSURANCE PREMIUMS BY AGE
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in the Nation's Capital
Major HighwaysI-495 I-66 I-695
Toll RoadsDulles Toll Road Dulles Access Road
Find Local Washington Agents
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
Flather & Perkins, Inc.
888 17th Street NW #508 Washington, DC 20006
Georgetown Financial Services Corporation
1050 17th St NW #600 Washington, DC 20036
Lockhart's Insurance Services
3907 Georgia Avenue NW Washington, DC 20011
Alliance Insurance Services, Inc
1660 L Street, NW, # 210 Washington, DC 20036
NLADA Insurance Program
1140 Connecticut Ave, NW, #900 Washington, DC 20036
1801 K Street NW Ste 200 Washington, DC 20006
One Thomas Circle NW, 8th Fl Washington, DC 20005
Rust Insurance Agency
1510 H St NW 5th Fl Washington, DC 20005
Howard & Hoffman, Inc.
3201 New Mexico Ave NW Washington, DC 20016
Howard W. Phillips & Company
2555 Pennsylvania Ave NW Washington, DC 20037
The average Washingtonian's annual cost of coverage
Our customer's average savings after comparing insurance
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