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 Average||State Average||National Average|
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 Quality||Average Car Insurance Rate|
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
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/Gender||Average Rate|
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
|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.
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
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
One Thomas Circle NW, 8th Fl Washington, DC 20005
Georgetown Financial Services Corporation
1050 17th St NW #600 Washington, DC 20036
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
The average Washingtonian's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Washington
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Washington Car Insurance
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