How Much Is Car Insurance in Washington, D.C.? (2024)


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ByMark Fitzpatrick
Edited byCasie McCoskey
ByMark Fitzpatrick
Edited byCasie McCoskey

Updated: May 26, 2024

Advertising & Editorial Disclosure

Several factors impact auto insurance rates, including age, insurer, location, coverage levels, driving history and credit score. The cheapest insurer (GEICO) in Washington, D.C., charges $662 per year on average for a full coverage policy, while the most expensive insurer (Nationwide) charges $1,811 yearly. Drivers in their 20s pay $878 annually from GEICO and $2,106 from Nationwide. Young adults typically pay much more for auto insurance than more experienced drivers.

Why Trust MoneyGeek? We collected the latest data from the Washington, D.C., Department of Insurance and Quadrant Information Services to analyze average rates for different driver profiles.

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These rates reflect the average cost of car insurance in Washington, D.C., as of 2023.

6,584Quotes Analyzed
 
13Companies Compared
 
8ZIP Codes

Average Car Insurance Costs in Washington, D.C. (2024)

In Washington, D.C., the average cost of auto insurance is $1,188 per year. Among other factors, your chosen coverage level and driving record significantly influence the cost of your premium. The following average rates show the disparity between drivers with different types of violations on their records:

  • Clean Record: $1,188 per year
  • Speeding Ticket: $1,379 per year
  • At-Fault Accident: $1,686 per year
  • DUI: $1,917 per year

The above rates are for a full coverage policy in Washington, D.C. Minimum coverage rates tend to be much cheaper.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
Age Group:
Age Group:30-59
CleanAnnual Premium$1,188Monthly Premium$99
TicketAnnual Premium$1,379Monthly Premium$115
At-Fault AccidentAnnual Premium$1,686Monthly Premium$140
DUIAnnual Premium$1,917Monthly Premium$160

Why Are Car Insurance Rates Moderate in Washington, D.C.?

In Washington, D.C., average car insurance policies cost $134 more than the national average of $1,054. This similarity is likely due to Washington, D.C.’s moderate traffic density, lower population density in urban areas and average vehicle theft rates. However, car insurance may be more expensive in Washington, D.C., due to personal factors like your driving history and age.

Average Car Insurance Costs in Washington, D.C. by Company

The average cost of car insurance in Washington, D.C., may differ from what you will be charged for premiums, as insurers charge different rates for the same policy. The cheapest car insurance company in Washington, D.C., is GEICO, with an annual minimum coverage rate of $372 per year for minimum coverage (full coverage is $662 per year). The most expensive car insurance company in Washington, D.C., is Nationwide, with an annual minimum coverage rate of $975 (full coverage is $1,811 yearly).

In Washington, D.C., full coverage policies are more expensive than limited-liability insurance. You can still get an affordable full coverage policy by shopping around and comparing quotes.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
Age Group:
Age Group:30-59
GEICOAnnual Premium$662Monthly Premium$55
ErieAnnual Premium$817Monthly Premium$68
ProgressiveAnnual Premium$1,051Monthly Premium$88
State FarmAnnual Premium$1,129Monthly Premium$94
ChubbAnnual Premium$1,380Monthly Premium$115
AllstateAnnual Premium$1,603Monthly Premium$134
NationwideAnnual Premium$1,811Monthly Premium$151
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MONEYGEEK’S WASHINGTON, D.C. CAR INSURANCE CALCULATOR

Insurers use several factors, including your coverage level, age, driving history and location, to determine your auto insurance rates. MoneyGeek’s Washington, D.C., calculator can provide you with an accurate estimate of your auto insurance cost.

Average Car Insurance Costs in Washington, D.C. by Coverage Level

In Washington, D.C., the average cost of car insurance ranges from $533 for state-minimum coverage to $1,349 for full coverage with maximum liability limits. If you opt for comprehensive and collision insurance, you may increase your annual rate by several hundred dollars. However, if you're looking to save money on a full coverage policy, you can choose to have a higher deductible, which will usually lower your premiums.

Average annual car insurance rates by coverage tier

A minimum coverage car insurance policy is the most budget-friendly option for drivers. It has the least liability coverage and does not include comprehensive or collision coverage. However, in Washington, D.C., the cost of a minimum policy can be more expensive than in other states due to the compulsory uninsured motorist protection.

Insurers usually provide higher liability limits and label these policies as 50/100/50 or 100/300/100. For example, a 50/100/50 policy means:

  • $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

Most insurers offer a maximum liability insurance limit of 300/500/300, which covers damage or injury to others. In addition, comprehensive and collision insurance covers the cost of damages to you and your vehicle, making it a full coverage policy.

Average Car Insurance Costs in Washington, D.C. by Age

The cost of premiums for young drivers in Washington, D.C., and other states is affected by age. We analyzed the typical rates for drivers in the following age brackets:

  • 22–29: $1,456 per year
  • 30–59: $1,188 per year
  • 60+: $1,162 per year

Rates for drivers aged between 30 and 59 generally stay the same; however, drivers aged 60 and over tend to face slightly lower premiums. Due to their statistically riskier driving, companies usually charge young drivers the most expensive rates. Car insurance for new drivers in their 30s tends to be just as expensive as insurance for drivers in their 20s due to a lack of experience.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
22-29Annual Premium$1,456Monthly Premium$121
30-59Annual Premium$1,188Monthly Premium$99
60 +Annual Premium$1,162Monthly Premium$97

Average Car Insurance Costs in Washington, D.C. for Teens

Teenagers in Washington, D.C., typically pay the most for auto insurance compared to other age groups. A 16-year-old male driver on a family policy pays an average of $3,056 a year for full coverage insurance. The same driver on an individual policy will pay an average of $7,852 annually.

However, insurance rates significantly reduce as teens age and gain more driving experience. For example, a 19-year-old on a family policy pays an average of $2,424 annually, and a 22-year-old driver pays an average of $1,978 yearly.

Additionally, the driver’s gender is a significant factor in determining their rate. A 16-year-old female driver on a family policy pays an average of $2,634 per year, $422 less than their male counterparts. MoneyGeek recommends shopping around to get the best car insurance rates for teens in Washington, D.C.

Data filtered by:Results filtered by:
Gender:
Gender:Male
16Annual Family Premium$3,056Monthly Family Premium$255Annual Individual Premium$7,852Monthly Individual Premium$654
17Annual Family Premium$3,005Monthly Family Premium$250Annual Individual Premium$6,500Monthly Individual Premium$542
18Annual Family Premium$2,569Monthly Family Premium$214Annual Individual Premium$5,478Monthly Individual Premium$457
19Annual Family Premium$2,424Monthly Family Premium$202Annual Individual Premium$3,397Monthly Individual Premium$283
20Annual Family Premium$2,499Monthly Family Premium$208Annual Individual Premium$2,991Monthly Individual Premium$249
21Annual Family Premium$1,932Monthly Family Premium$161Annual Individual Premium$2,290Monthly Individual Premium$191
22Annual Family Premium$1,978Monthly Family Premium$165Annual Individual Premium$2,055Monthly Individual Premium$171
23Annual Family Premium$2,059Monthly Family Premium$172Annual Individual Premium$1,839Monthly Individual Premium$153

Average Car Insurance Costs in Washington, D.C. for New Cars vs. Older Cars

In Washington, D.C., insuring a new car is more expensive than an older one, with an average annual cost of $1,639 for a new car and $1,273 for an older car — a 22% difference. This discrepancy is because more recent car models have a higher actual cash value (ACV) that insurers consider when calculating premiums. As cars age, their ACV decreases, and so do their insurance rates. Drivers of newer cars should consider getting full coverage insurance to protect against the higher costs of repairs and replacement in case of an accident or theft.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
Age Group:
Age Group:30-59
2012 VehicleAnnual Premium$1,273Monthly Premium$106
2022 VehicleAnnual Premium$1,639Monthly Premium$137

Average Car Insurance Costs in Washington, D.C. by Driving Record

In Washington, D.C., drivers with a clean driving history will usually pay less for auto insurance than drivers with poor driving records. Here is how drivers compare for average full coverage rates:

  • Clean record: $1,188 per year
  • Speeding ticket: $1,379 per year
  • At-fault accident: $1,686 per year
  • DUI: $1,917 per year

After a violation, your insurance premiums reflect the severity of your offense. In this example, a DUI will result in an average annual rate increase of $729. Even with a poor driving record, you can still get affordable rates in Washington, D.C., by comparing quotes from different insurance companies.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
Age Group:
Age Group:30-59
CleanAnnual Premium$1,188Monthly Premium$99
TicketAnnual Premium$1,379Monthly Premium$115
At-Fault AccidentAnnual Premium$1,686Monthly Premium$140
DUIAnnual Premium$1,917Monthly Premium$160

Average Car Insurance Costs in Washington, D.C. by Credit Score

In Washington, D.C., a driver’s credit score significantly impacts car insurance costs. On average, drivers with outstanding credit pay $938 annually for a full coverage policy, while those with poor credit pay more than double, at $1,880 annually. Average rates for drivers with different credit scores are as follows:

  • Excellent: $938 per year
  • Good: $1,102 per year
  • Fair: $1,317 per year
  • Below fair: $1,601 per year
  • Poor: $1,880 per year

Some insurers may not penalize drivers with lower credit scores as much as others, depending on the company's policies. If your credit score is low, compare quotes from different insurers to find the best car insurance for drivers with poor credit.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:100/300/100 w/ $1000 Deductible
ExcellentAverage Annual Premium$938Average Monthly Premium$78
GoodAverage Annual Premium$1,102Average Monthly Premium$92
FairAverage Annual Premium$1,317Average Monthly Premium$110
Below FairAverage Annual Premium$1,601Average Monthly Premium$133
PoorAverage Annual Premium$1,880Average Monthly Premium$157

Average Car Insurance Costs in Washington, D.C. by City

In Washington, D.C., your location impacts your auto insurance rates. Drivers residing in the more densely populated urban areas of Washington, D.C., pay a yearly average of $1,203 for full coverage insurance compared to the district-wide average of $1,188. Generally, living in the suburbs makes you less impacted by car theft and less likely to get into an accident, contributing to lower rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
WashingtonFull Coverage Annual Premium$1,203Minimum Coverage Annual Premium$552
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FAQ About Car Insurance Costs in Washington, D.C.

When shopping for car insurance in Washington, D.C., prospective buyers often wonder about service and affordability. MoneyGeek answered your most commonly asked questions, making finding the right coverage for your needs easier.

What is the average cost of car insurance in Washington, D.C.? The cheapest company?
How can I find the best car insurance in Washington, D.C.?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.