Car Insurance Calculator in Washington, D.C.

Washington, D.C., requires basic liability coverage plus uninsured and underinsured motorist protection, putting it in the mid-range among U.S. jurisdictions. Answer four questions to get a coverage recommendation based on your situation.

Four factors determine how much car insurance you need in Washington, D.C.: your net worth, your vehicle's value, how you purchased it and your risk tolerance.

• Your assets determine your liability exposure. If you cause an accident and damages exceed your policy limits, you're personally responsible for the difference. Drivers with more assets should carry at least 100/300/100 in liability coverage to protect their finances.
• Your car's value determines whether comprehensive and collision coverage makes sense. Vehicles worth less than $5,000 can cost more to insure than you'd receive in a claim. Newer or higher-value cars benefit from both coverages to cover repair or replacement costs.
• How you financed your vehicle affects your coverage options. Lenders and lessors almost always require full coverage, including comprehensive and collision with set deductible limits, until you pay off the loan or lease.
• Washington, D.C., doesn't require bodily injury liability coverage. That means if you injure someone in an accident, you're personally liable for their medical bills, lost wages and pain-and-suffering damages, which can reach hundreds of thousands of dollars.

Enter your ZIP code, driving history and coverage needs to get a personalized rate estimate for Washington, D.C. See what drivers with similar profiles are paying by filling in your details below.

Your car insurance premium in Washington, D.C., depends on your provider, age, location, coverage type, driving history and credit score. Insurers weigh these factors differently, which is why quotes for the same driver can vary by hundreds of dollars.

The factors with the biggest impact on your Washington, D.C., rate:

1. Provider choice is the single biggest variable. The gap between the cheapest and most expensive insurer in Washington, D.C. reaches $158 per month for identical full coverage.
2. Age and driving experience rank second. Young drivers average $492 per month compared to $235 per month for seniors.
3. Your ZIP code determines your local risk. Drivers in downtown Washington, D.C., and Capitol Hill pay much higher rates than those in Chevy Chase due to population density, traffic congestion and theft rates.
4. Credit score and driving history create major rate differences, especially for high-risk drivers. Drivers with excellent credit pay $153 per month on average, while those with poor credit pay $416. Washington, D.C., requires an SR-22 filing for DUI convictions, which requires drivers to carry minimum liability coverage for three years. Drivers with a DUI pay more at renewal.

Washington, D.C., drivers who shop around can save up to $158 per month, the gap between the cheapest and most expensive insurer for identical full coverage. Comparing quotes from at least three companies is an effective way to lower your car insurance rate.

Our base profile for all costs and modifications is:

• 40 years old
• Good credit
• Drives a 2012 Toyota Camry
• Clean driving record

We sourced rate data from insurer filings via Quadrant Information Services. Full coverage policies reflect 100/300/100 liability limits, comprehensive and collision coverage and a $1,000 deductible.

Minimum coverage reflects Washington, D.C.'s mandated minimums of $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $10,000 property damage liability, $25,000 uninsured motorist bodily injury per person, $50,000 uninsured motorist bodily injury per accident and $5,000 uninsured motorist property damage. We update rates monthly to make sure they reflect the most recent data. To learn more about how MoneyGeek analyzes car insurance costs, see our auto insurance methodology.