How Much is Car Insurance in District of Columbia? Rates by Coverage Level, Age, Driving History and Location

The average car insurance cost in the District of Columbia (D.C.) is $1,202 annually, almost 16% less than the national average of $1,424 per year. Nationally, this average ranks 29th, with one being the cheapest. These averages were calculated based on several companies and locations for one sample driver.

MoneyGeek broke down the rates using coverage level, age, driving history, credit score and location.

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For a 40-year-old driver with a clean driving record, the average car insurance cost in the District of Columbia is $1,202 per year for a full coverage policy. For the same 40-year-old driver, the average state minimum car insurance coverage is $685 per year, slightly more than half the cost of a full coverage policy.

Pricing varies greatly depending on your driving profile. In the District of Columbia, a young driver pays $2,419 more per year for car insurance than a 40-year-old driver. Drivers with a clean driving record will usually pay less for car insurance than those with a history of traffic violations.

MoneyGeek assessed the average insurance costs in the District of Columbia based on a variety of factors to help you understand how these rates change.

Average Cost of Car Insurance in District of Columbia: Summary

MoneyGeek broke down the average car insurance costs in the District of Columbia by factors that have the greatest impact on the cost of your car insurance.

In the District of Columbia, the driver’s age has the largest impact on the cost of car insurance, with a poor credit score having the second largest impact.

Follow this link to know more about the average insurance costs for a particular driver profile.

Average Costs of Car Insurance in District of Columbia

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Why Are Car Insurance Rates Average in the District of Columbia?

According to MoneyGeek's analysis, District of Columbia car insurance rates are average in comparison to other states. A higher percentage of urban drivers, highway traffic density, and incidence of car theft inflate the average cost of car insurance.

However, fewer uninsured drivers and a reduced vulnerability to natural disasters bring car insurance rates down below the national average.

It should be noted that the cost of car insurance may vary depending on your specific location in D.C., as insurers may adjust rates locally based on the incidence of theft and highway traffic density in an area.

Average Cost of Car Insurance in District of Columbia: Full Coverage vs. Minimum Coverage

In the District of Columbia, the state minimum car insurance policy costs, on average, $685 per year, while the average cost of a full coverage car insurance policy is $1,202 per year. You’ll pay $517 more per year on average for a full coverage insurance policy than a minimum car insurance policy.

The average car insurance cost in Washington, D.C. depends on the extent of your coverage. The state minimum coverage costs less, but often only includes liability coverage. A full coverage insurance policy costs more but typically includes comprehensive, collision and liability coverage.

Average Cost of Car Insurance in District of Columbia by Coverage Level

Minimum vs. Full Coverage Car Insurance Costs in District of Columbia - By Company

Each insurance provider will quote you a different estimate. Consequently, the insurer you select will have a major influence on the cost of your car insurance.

For drivers in the District of Columbia, GEICO typically offers the cheapest full coverage insurance quote and is, on average, the most affordable for state minimum liability plans.

In contrast, Nationwide quotes the most expensive rate on average for both state minimum liability only and full coverage policies.

For both liability only and full coverage insurance policies, USAA is an affordable option, but its policies are only accessible to current and former military members and their families.

Average Annual Costs of Car Insurance in District of Columbia - By Company

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How Much Is Car Insurance in District of Columbia by Age

Age significantly impacts the average car insurance cost in the District of Columbia. Young drivers are subject to higher insurance premiums, as their inexperience classifies them as high-risk drivers.

In the District of Columbia, a 16-year-old will spend $2,419 more per year than a 40-year-old for the same full coverage car insurance policy.

However, young drivers can save money by being added to their parent’s existing car insurance policy.

In D.C., new or first-time drivers, regardless of their age, will receive insurance rates similar to that of young drivers.

Average Costs of Full Coverage Car Insurance in District of Columbia - By Age

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  • Age
    Annual Premium
  • $3,621
  • $3,365
  • $3,167
  • $2,898
  • $2,512
  • $2,006
  • $1,839
  • $1,660
  • $1,545
  • $1,413
  • $1,275
  • 40
    $1,202
  • $1,223

How Does Driving History Affect Car Insurance Costs in District of Columbia?

Insurance companies consider those with a history of car accidents and frequent traffic violations to be high-risk and may charge them hefty insurance premiums. But don’t fret, a bad driving record doesn’t necessarily mean you’ll be paying top dollar. You may be able to get more affordable rates if you shop around.

According to MoneyGeek’s research, a speeding ticket in your driving record may cost you $183 more per year for car insurance in the District of Columbia than having a clean driving record. The cost difference per year increases with the severity of the offense.

Average Costs of Full Coverage Car Insurance in District of Columbia - By Driving History

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  • Driving Violation
    Annual Premium
  • Safe Driver
    $1,202
  • Speeding Ticket
    $1,385
  • At-Fault Accident
    $1,633
  • DUI
    $1,767

Credit Scores and the Cost of Car Insurance in District of Columbia

According to MoneyGeek's research, a bad credit score significantly impacts the cost of your car insurance in D.C.; on average, those with bad credit scores pay $920 more per year than those with good credit scores. In comparison, an excellent credit score will save you $177 per year more than a good credit score on car insurance

A strong credit score will save you money on insurance premiums, but you can still find affordable insurance options in D.C. with a bad credit score.

Average Costs of Full Coverage Car Insurance in District of Columbia - By Credit Score

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  • Credit Score
    Annual Premium
  • Excellent
    $1,011
  • Good
    $1,187
  • Fair
    $1,428
  • Below Fair
    $1,746
  • Poor
    $2,107
Average Costs of Full Coverage Car Insurance in District of Columbia - By City

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Frequently Asked Questions About District of Columbia Car Insurance Rates

Researching the answers to the most frequently asked questions can help you make more informed decisions when purchasing car insurance.

Methodology

Car insurance quotes were collected in the District of Columbia in collaboration with Quadrant Information Services. Policies were for a 40-year-old driver with a safe driving record and full coverage unless altered by coverage levels, age, driving violations and credit score. The specific limits of the full coverage policy are described on our methodology page.

MoneyGeek obtained data on traffic density, uninsured motorists, urban population and vehicle theft from the following sources:

  • Highway traffic density was calculated with 2019 data from the Federal Highway Administration
  • Data on uninsured motorists was drawn from 2019 data from the Insurance Research Council
  • Urban share of population was calculated using the latest data from the U.S. Census Bureau
  • Data on motor vehicle theft rate was drawn from the FBI Crime in the United States Report for 2019.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.