Cheap Washington, D.C. Car Insurance

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Car insurance in DC — what you need to know

We compiled in-depth data from Washington D.C., and organized it below to help you find affordable auto insurance in the nation's capital. Shopping for car insurance should be easy — that way you can spend more time on the things you enjoy.

We'll cover a few primary rating factors and topics below, including:

  1. Average rates
  2. By credit tier
  3. By age
  4. By marital status
  5. By driving history

 

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

 

 

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 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 a history of accidents or tickets? 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

 

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