Drivers with multiple tickets, at-fault accidents or a DUI may have difficulty finding affordable rates for car insurance due to being viewed as high-risk drivers. Your license could also be suspended, restricted, or revoked if you are reckless or high-risk in Washington, D.C. Washington, D.C. high risk auto insurance offers an alternative option to traditional vehicle insurance that is not available or cost-effective.
Washington, D.C.: High-risk auto insurance rates
The cost of your Washington, D.C. vehicle insurance depends on your driving record, vehicle and level of coverage, among other things. Washington, D.C. high risk auto insurance is typically more expensive than traditional coverage. Every insurance company has its own risk threshold when pricing vehicle insurance. A company might offer affordable insurance to a driver who has received speeding tickets, but may raise premiums after an accident.
After a speeding ticket, car insurance rates
Depending on which insurer you choose, speeding tickets can increase your car insurance rates. There is no way to predict which insurance company will be the most affordable after a speeding ticket. Bankrate’s analysis revealed that Erie, Geico, and USAA were the most affordable insurance companies after a speeding ticket.
A traffic school approved course can help you avoid increasing your insurance rates due to a speeding ticket. You can take the eight-hour course online or in person.
Rates for an accident
In Washington, D.C., being held responsible for a car accident will typically increase your premiums more than a speeding ticket. High-risk auto insurance rates in Washington, D.C. can vary between insurance companies.
USAA car insurance might seem to be the most affordable coverage for safe drivers. However, a single accident can increase your premiums by on average 54%. USAA is not available to military personnel or qualifying relatives. After an accident, Erie’s rates rise an average of 7.7%. Geico rates also increase by 32% on average after an accident.
Rates for DUI
Driving under the influence may be the most dangerous risk a driver could take both financially and safety-wise.
Here are some ways that a DUI can affect your auto insurance rates.
Washington, D.C. DUI convictions will require drivers to request financial responsibility from their insurance company.
(SR-22) with the DMV to drive legally.
Teen drivers can get car insurance
Car insurance premiums for parents who add their teen drivers to their policies in Washington, D.C. are higher than average.
It is a great way to get car insurance at a reasonable price by getting quotes from several carriers.
Who are high-risk drivers?
High-risk drivers are drivers who have been convicted of DUI or have been involved in multiple accidents or violations. Due to their inexperience, young drivers are often considered high-risk.
In Washington, D.C., your license may be suspended or revoked after accumulating 10 to 11 points. Your specific situation will determine the number of points that are assessed to your license following an accident, ticket, or DUI conviction. Depending on the speed you were traveling, speeding tickets may be eligible for three to four points.
How to lower your rate for high-risk drivers
Drivers with high-risk driving records may be offered fewer options and pay higher premiums than those with clean driving records. There may be ways to lower the premium.
- Compare coverage options from multiple carriers to determine the best deal based on your needs.Each company has its own rating algorithm. This means that the same coverage may have different prices for different companies.
- Get as many discounts as you can.Multi-car and multiline discounts are some examples, along with discounts for student drivers and low-mileage drivers.
- Your deductibles should be increased to the maximum amount you are able to afford.If you file a claim for vehicle damage, your deductibles will be the amount you pay out of pocket. Two deductibles are required for full coverage policies: one each for collision and comprehensive. While increasing your deductible will generally lower your premium, you will still have to pay more for a claim.
You could save hundreds of dollars by getting your car insured for as low as 5-10%
Questions frequently asked
What is an SR-22 and what does it do?
An SR-22 certificate is a proof of financial responsibility. It confirms that you have the minimum car insurance necessary to drive. This is a form that your insurance company files with the DMV on behalf of you. SR-22 forms must be completed after serious offenses like DUIs. They are usually required to reinstate your license following a suspension.
Are there extra auto insurance requirements for high-risk drivers?
All Washington, D.C. drivers are required to have liability insurance with minimums of $25,000 bodily injury per person, $50,000 bodily injury per accident and $10,000 in property damage. Uninsured motorist coverage must also be in place.
What are the points I can get in Washington, D.C. for an accident that causes me to be injured?
The circumstances will determine the number of points you will receive on your license. You may only receive two points for following too closely, but you could get 12 points for causing an accident while under the influence of drugs and alcohol. This is especially true if there were injuries or deaths.