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 AverageState AverageNational Average
$1,463$1,464$1,427


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 ScoreAverage Rate
Very Poor$3,213
Fair$2,545
Good$1,934
Very Good$1,535
Exceptional$1,344


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
Incident/ViolationAverage Rate
DUI/DWI$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


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/GenderAverage Rate
Female$1,487
Male$1,463
Single$1,463
Married$1,395
Divorced$1,463
Widowed$1,414


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
AgeAverage Rate
Teenagers$5,750
20s$1,963
30s$1,439
40s$1,426
50s$1,352
60s$1,420
70s$1,815


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

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

Clements International

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

Lockton Companies

1801 K Street NW Ste 200 Washington, DC 20006

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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