What's the Cost of Car Insurance in Washington?
District of Columbia has premiums that are relatively similar to the national average, as they are within 2.6% of one another. Review our tips to save on Washington car insurance and save money.
CAR INSURANCE RATES: WASHINGTON VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Washington Car Insurance by Credit Score
Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you an average of $1,869 each year on premiums. Drivers can save an average of 24% per year when they upgrade their credit tier from Fair (580-669) to Good (670-739).
WASHINGTON AUTO INSURANCE RATES BY CREDIT TIER
|Credit Score||Average Rate|
Washington Auto Insurance for High-Risk Drivers
Do you realize the impact an accident or violation can have on your premiums? Reckless driving will increase your car insurance premiums more than other driving violations. On average, 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 average rates of $2,411. That is 65% higher than the city average! You can expect your yearly car insurance premiums to rise by $609 if you are found at-fault in an accident in Washington.
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|
Washington Car Insurance by Marital Status and Gender
There are several factors, including marital status and gender, that impact car insurance premiums in Washington. Premiums for men tend to be 2% cheaper than for women. Married individuals save around 5% per year compared to those who are single. Rates for those who are widowed are relatively cheaper than rates for those who are single.
WASHINGTON CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Washington Car Insurance by Age
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 $1,352 per year. Teenage drivers are the ones who pay the most in car insurance premiums, with average rates of $5,750. In Washington, drivers see the biggest decrease in premiums when they hit their 20s, as they save an average of 66% from moving out of the teenage age bracket. When drivers turn 60, they will experience a car insurance premium increase related to their age for the first time.
WASHINGTON AUTO INSURANCE COSTS BY AGE
What drives up car insurance rates in Washington?
Where you live in Washington 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 is no exception to the rule. From zip code 20001 to 20376, premiums rise by 1 percent—that’s $24.
Expensive Washington Zip Codes: 20500, 20398, 20391, 20388, 20376
Cheap Washington 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
Elite Insurance & Consulting Services
430 M St., SW #110 Washington, DC 20024
Lockhart's Insurance Services
3907 Georgia Avenue NW Washington, DC 20011
Howard & Hoffman, Inc.
3201 New Mexico Ave NW Washington, DC 20016
Pilzer-Gullickson Grou, LLC
455 Massachusetts Ave NW FL 1 Washington, DC 20001
One Thomas Circle NW, 8th Fl Washington, DC 20005
Flather & Perkins, Inc.
888 17th Street NW #508 Washington, DC 20006
NLADA Insurance Program
1140 Connecticut Ave, NW, #900 Washington, DC 20036
Rust Insurance Agency
1510 H St NW 5th Fl Washington, DC 20005
Georgetown Financial Services Corporation
1050 17th St NW #600 Washington, DC 20036
Alliance Insurance Services, Inc
1660 L Street, NW, # 210 Washington, DC 20036
Howard W. Phillips & Company
2555 Pennsylvania Ave NW Washington, DC 20037
1801 K Street NW Ste 200 Washington, DC 20006
Click below to get free quotes in seconds!
Ready to get car insurance, Washington?
The average Washingtonian's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Washington
Click below to get free quotes in seconds!Start Saving Now!