How Much Is Car Insurance in District Of Columbia? (2023 Averages)
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The cost of car insurance depends on the amount of coverage you need as well as your driver profile. The average cost of car insurance in the District of Columbia is $1,202 per year, but if you opt for a minimum coverage policy, you’ll only pay $685 per year, on average. If you have a violation on your driving record or add a young driver to your policy, the cost of your insurance will substantially increase to $1,385 and $3,621, respectively.
The lender that you choose also impacts the cost of your car insurance. For example, a full coverage policy from Nationwide costs $1,790 per year while the same policy only costs $606 from GEICO.
The Average Cost of Car Insurance in District Of Columbia
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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- DriverAverage Annual PremiumAverage Monthly Premium
- The Average Driver$1,202$100
- Drivers Buying Minimum Coverage$685$57
- Adding a Young Driver$3,621$302
- Drivers With a Violation$1,385$115
- Drivers With Poor Credit$2,107$176
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Why Are Car Insurance Rates Reasonable in 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
The least expensive car insurance you can find is a state-minimum policy in the District of Columbia.
If you want more protection, you can upgrade your liability insurance to 50/100/50 or 100/300/100. These terms refer to the liability coverage levels. For example, liability insurance for 50/100/50 includes the following coverages:
- $50,000 in bodily injury liability insurance per person
- $100,000 in bodily injury liability insurance per accident
- $50,000 in property damage liability insurance per accident
A full coverage policy includes comprehensive and collision insurance, as well as coverage to reimburse you in case your car is damaged.
Average Cost of Car Insurance 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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- CompanyMinimum CoverageFull Coverage
- $352$606
- $357$672
- $417$817
- $644$1,161
- $995$1,362
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
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 ViolationAnnual Premium
- Safe Driver$1,202
- Speeding Ticket$1,385
- At-Fault Accident$1,633
- DUI$1,767
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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 ScoreAnnual 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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- CityAnnual Premium
- $1,202
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.
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