Washington Car Insurance

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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

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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 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

Georgetown Financial Services Corporation

1050 17th St NW #600 Washington, DC 20036

Flather & Perkins, Inc.

888 17th Street NW #508 Washington, DC 20006

Pilzer-Gullickson Grou, LLC

455 Massachusetts Ave NW FL 1 Washington, DC 20001

Alliance Insurance Services, Inc

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

Howard W. Phillips & Company

2555 Pennsylvania Ave NW Washington, DC 20037

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

Rust Insurance Agency

1510 H St NW 5th Fl Washington, DC 20005

NLADA Insurance Program

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

Lockhart's Insurance Services

3907 Georgia Avenue NW Washington, DC 20011

Elite Insurance & Consulting Services

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

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The average Washingtonian's annual cost of coverage


Our customer's average savings after comparing insurance


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

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