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 AverageState AverageNational Average
$1,496$1,496$1,569


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/GenderAverage Rate
Female$1,523
Male$1,496
Single$1,496
Married$1,431
Divorced$1,496
Widowed$1,441


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
CreditAverage Auto Insurance Rate
Very Poor$3,464
Fair$1,841
Good$1,496
Very Good$1,415
Exceptional$1,333


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 ViolationAverage Rate
DUI$2,450
Reckless Driving$2,221
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
AgeAverage Rate
Teenagers$5,808
20s$1,998
30s$1,472
40s$1,462
50s$1,389
60s$1,459
70s$1,838


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

NLADA Insurance Program

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

Pilzer-Gullickson Grou, LLC

455 Massachusetts Ave NW FL 1 Washington, DC 20001

Lockhart's Insurance Services

3907 Georgia Avenue NW Washington, DC 20011

Howard W. Phillips & Company

2555 Pennsylvania Ave NW Washington, DC 20037

Georgetown Financial Services Corporation

1050 17th St NW #600 Washington, DC 20036

Rust Insurance Agency

1510 H St NW 5th Fl Washington, DC 20005

Howard & Hoffman, Inc.

3201 New Mexico Ave NW Washington, DC 20016

Flather & Perkins, Inc.

888 17th Street NW #508 Washington, DC 20006

Alliance Insurance Services, Inc

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

Elite Insurance & Consulting Services

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

Clements International

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

Lockton Companies

1801 K Street NW Ste 200 Washington, DC 20006

See All

2

$1,645

The average Washingtonian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

263

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

See How Much You Can Save in Washington

Just enter your zip code to get started

Your information is secure.
Additional Resources:

Washington Car Insurance

How to Update Your Driver’s License When You Move to a New State
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017

Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...

Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017

  Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...

Digital Insurance Cards: Which States Accept Them?
Digital Insurance Cards: Which States Accept Them?
May 19, 2017

You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...

Car Insurance for First-Time Drivers: 6 Things You Should Know
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017

A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...

Driverless Car Laws by State
Driverless Car Laws by State
Mar 16, 2017

While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

What You Need to Know about Getting High and Driving in 2017
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017

Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....

4 Consequences of Driving without Insurance
4 Consequences of Driving without Insurance
Jan 27, 2017

If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...

The Rundown on “No Refusal” Weekends
The Rundown on “No Refusal” Weekends
Dec 20, 2016

The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...

How Long After a Car Crash Can You File a Claim?
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016

Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...

What’s the Most Expensive Traffic Ticket in Your State?
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016

If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...

Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016

We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...

Driver’s License Points: Do They Matter?
Driver’s License Points: Do They Matter?
Sep 23, 2016

In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...

Who Pays More for Car Insurance: Democrats or Republicans?
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016

Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...

Which States Have the Cheapest Car Insurance?
Which States Have the Cheapest Car Insurance?
Aug 02, 2016

Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...

Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016

Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...

Study: Poor Credit Will Cost You Double for Car Insurance
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016

Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...