Car Insurance in Washington

District of Columbia has premiums that are relatively consistent with the national average, as they are within 2.6% of one another. Going over some ways to save on Washington car insurance can save you money.

  • City Average: $1,463
  • State Average: $1,464
  • National Average: $1,427

Washington Car Insurance by Accident or Violation History

Do you realize how much an accident or violation history can cost you in terms of premiums? Reckless driving will increase your car insurance premiums more than other driving violations. $726 is the additional cost per year for drivers with a DUI in Washington, compared to the city average of $1,463. Reckless driving will drive your rates up as well, with average rates of $2,411. That is 65% higher than the city average! $609 is, on average, the additional cost for car insurance in Washington if you have an at-fault accident on your driving record.

  • DUI: $2,189
  • Reckless Driving: $2,411
  • At-fault Accident (damages less than $1000): $2,072
  • At-fault Accident (damages greater than $2000): $2,072
  • Speeding Ticket (16-20 mph over speed limit): $1,735

Washington Car Insurance by Age

In Washington, drivers see the most significant drop in premiums when they reach their 20s, as they save an average of 66% from moving out of the teenage age range. Turning 60 causes a rise in premiums, but up until that point drivers can expect premium reductions when they move between age groups. With typical payments of $5,750, teenage drivers are the ones who pay the most in car insurance premiums. Drivers in their 50s save money on insurance premiums, as they have the lowest rates among all age groups, paying only $1,352 annually.

  • 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 Gender and Marital Status

In Washington, quite a few driver attributes, including marital status and gender, impact car insurance premiums. People who are single spend around $70 more per year on car insurance compared to those who are married. Rates for those who are widowed are moderately cheaper than rates for those who are single. $24 is the amount by which men's and women's car insurance premiums differ.

  • Female: $1,487
  • Male: $1,463
  • Single: $1,463
  • Married: $1,395
  • Divorced: $1,463
  • Widowed: $1,414

Washington Car Insurance by Credit Rating

Improving your credit can save you a sizable amount of money. Those in the bottom credit tier (300-579) normally pay 2.4x more on premiums than those in the top credit tier (800-850). Drivers can save approximately $611 per year when they improve their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $3,213
  • Fair: $2,545
  • Good: $1,934
  • Very Good: $1,535
  • Exceptional: $1,344

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.

114

Rainy Days a Year

40"

Avg. Annual Rainfall

15"

Avg. Annual Snowfall

Be Prepared For

Driving in the Nation's Capital

Major Highways
I-495 I-66 I-695
Public Transit
Metrobus Metrorail
Toll Roads
Dulles Toll Road Dulles Access Road
Popular Day Trips
Winchester Annapolis Fredericksburg

Find Local Washington Agents

Howard & Hoffman, Inc.

3201 New Mexico Ave NW Washington, DC 20016

Lockton Companies

1801 K Street NW Ste 200 Washington, DC 20006

Clements International

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

Flather & Perkins, Inc.

888 17th Street NW #508 Washington, DC 20006

Elite Insurance & Consulting Services

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

Rust Insurance Agency

1510 H St NW 5th Fl Washington, DC 20005

Lockhart's Insurance Services

3907 Georgia Avenue NW Washington, DC 20011

Howard W. Phillips & Company

2555 Pennsylvania Ave NW Washington, DC 20037

Pilzer-Gullickson Grou, LLC

455 Massachusetts Ave NW FL 1 Washington, DC 20001

Georgetown Financial Services Corporation

1050 17th St NW #600 Washington, DC 20036

NLADA Insurance Program

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

Alliance Insurance Services, Inc

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

See All

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$1,645

The average Washingtonian's annual cost of coverage

40%

Our customer's average savings after comparing insurance

263

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

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