The average cost of car insurance in Washington D.C. has a higher average than the U.S. because of some of the most dangerous areas and densely populated areas. Washington D.C. rates average $704 per year for minimum coverage. A full coverage policy costs $1,855 annually, which shows how costly it can be to drive around the capital.
What is the cost of car insurance in Washington D.C.
Your age, zip code and gender are all factors that affect auto insurance rates. Other factors like your credit score or marital status are also considered. The average cost for insurance in the United States is $565 per annum for minimum coverage and $1674 for complete coverage. However, rates in Washington D.C. are higher than the national average.
Washington D.C. auto insurance rates by company
Washington D.C. car insurance rates can vary by zip code just as much as the carrier you choose. The table below shows the wide range in premium costs between different carriers.
| Car insurance company | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|
| Allstate | $1,068 | $3,732 |
| Erie | $438 | $1,212 |
| Geico | $466 | $1,420 |
| Nationwide | $1,014 | $1,985 |
| Progressive | $881 | $1,601 |
| State Farm | $906 | $1,994 |
| USAA | $383 | $876 |
Washington D.C. auto insurance rates by age
The driver’s age is a major factor in determining the premium for full coverage, as shown below. Washington D.C.’s 18-year-olds are the most likely to be charged the highest car insurance rates, as is the case in all states.
| Age | Washington D.C. average annual premium |
|---|---|
| Age 16* | $2,491 |
| Age 18 | $5,744 |
| Age 20 | $3,851 |
| Age 25 | $2,246 |
| Age 30 | $1,984 |
| Age 40 | $1,855 |
| Age 50 | $1,818 |
| Age 60 | $1,773 |
| Age 70 | $1,957 |
*16-year-old rates calculated based on a parental insurance
Washington D.C. Car insurance rates by driving record
The average Washington D.C. car insurance rate will be affected by your driving record. This includes tickets, accidents, DUIs, and other violations. You can expect to pay more if there are multiple infractions.
| Accident while driving | Washington D.C.’s average annual premium for full coverage | Increase of % in the average annual premium |
|---|---|---|
| Speeding ticket | $2,158 | 14% |
| Accident | $2,443 | 24% |
| DUI | $2,813 | 52% |
Washington D.C.: How to Save on Car Insurance
You can save on your auto insurance in Washington D.C. by avoiding traffic violations, accidents, and DUI’s, as you can see from the Bankrate data.
- Increase your deductible: A higher deductible means lower premiums. This is because you are taking on more risk. Your deductible is the cost you incur for a collision or comprehensive claim. A higher deductible can result in lower monthly premiums.
- Bundle your policies. If you have either a homeowners or renters insurance policy, bundling with the same carrier can help you save money on your auto insurance.
- Compare your options: It is a smart way of ensuring that your current policy is the right one for you. It’s a smart idea to shop around for multiple carriers. Regular comparison shopping is a good way to save money as rates change year to year.
- Discounts: Every carrier offers discounts. Many of these discounts offer simple ways to save. There are many ways to save money on your policy.
Questions frequently asked
Which Washington D.C. car insurance company is best?
Your personal preferences and insurance needs will determine the best Washington D.C. carrier. First, review the carrier’s financial ratings and customer service. Next, look at the digital assets available and the coverage options. Bankrate reviewed many and concluded that Erie, Progressive, USAA, USAA, and State Farm are all viable options for drivers in D.C.
What amount of car insurance do you need?
Your financial situation will determine how much car insurance coverage you need. However, you should get the best coverage within your budget. If you have more money, most financial experts recommend that you purchase higher levels of liability. To enhance your financial protection, consider adding optional coverages such as comprehensive, collision, roadside assistance, comprehensive, and uninsured motorist coverage. To determine the right coverage for you, it is best to consult a licensed financial advisor or insurance agent.
Washington D.C.: Is there a requirement for uninsured motorist coverage?
Washington D.C. drivers are not eligible for uninsured motorist coverage. For added financial protection, you might consider adding optional coverage to your policy. With 19% of uninsured drivers in the District of Columbia, you are at greater risk. If you are in an accident with someone without insurance, this option will provide you with more coverage.
What carrier offers the best auto insurance in Washington D.C.
Washington D.C. has affordable auto insurance rates, despite traffic and population challenges. Bankrate reviewed several carriers and found that Erie, Geico and Progressive, USAA, and State Farm have the most competitive rates of any of the carriers. It’s still a smart idea to shop around to find the best coverage.