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Average cost of car insurance in Washington, D.C. in 2023

Updated Apr 11, 2023
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How much is car insurance in Washington D.C.?

Auto insurance rates are dependent on many factors, including your age, ZIP code, gender, driving history and vehicle. Other factors, such as your credit score and marital status, are also factored in. The average cost of insurance in the U.S. is $622 per year for minimum coverage and $2,014 for full coverage. Average rates in Washington D.C. are fairly comparable to the national average, with minimum coverage costing a bit less and full coverage costing slightly more.

Average minimum coverage premium in Washington, D.C. Average annual full coverage premium in Washington, D.C.
$607 $2,072

Average car insurance costs by age and gender in Washington, D.C.

Washington, D.C. car insurance rates are influenced by both the age and gender of each driver. Younger drivers tend to pay higher rates, due to their inexperience, with young males paying among the highest premiums. As you gain more experience on the road, you’ll generally see your premium lower (assuming you keep a clean driving record), although the average car insurance cost in Washington, D.C. does increase a bit once a driver hits age 70.

Age Average monthly full coverage premium in Washington, D.C. Average annual full coverage premium in Washington, D.C.
Age 16* $384 $4,603
Age 18 $563 $6,753
Age 20 $390 $4,682
Age 25 $216 $2,596
Age 30 $180 $2,157
Age 40 $174 $2,086
Age 50 $165 $1,985
Age 60 $161 $1,931
Age 70 $177 $2,123

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied.

Age Average monthly full coverage premium in Washington, D.C. Average annual full coverage premium in Washington, D.C.
Age 16* $331 $3,971
Age 18 $458 $5,497
Age 20 $320 $3,843
Age 25 $200 $2,397
Age 30 $177 $2,123
Age 40 $171 $2,057
Age 50 $163 $1,955
Age 60 $159 $1,904
Age 70 $174 $2,085

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied.

Cost considerations for young drivers in Washington, D.C.

For most young drivers, it makes financial sense to stay on your parents’ or guardians’ policy until you move out and establish your own household. Generally, rates are higher for young drivers on their own. Keep in mind too that 16- and 17-year-old drivers are not legal adults and generally must be listed on an adult’s policy.

Age Average annual premium for drivers on their parents' policy in Washington, D.C. Average annual premium for drivers on their own policy in Washington, D.C.
Age 16 $4,287 N/A*
Age 17 $3,920 N/A*
Age 18 $3,692 $6,125
Age 19 $3,403 $4,815
Age 20 $3,160 $4,263

*16- and 17-year-old drivers must be on their parents’ policy.

How does driving record impact the cost of car insurance in Washington, D.C.?

Driving record, including speeding tickets, at-fault accidents and DUI convictions, significantly impacts average car insurance rates in Washington D.C. The average rates in the table below reflect just one instance of each infraction, and if you have several infractions, you can expect your premiums to rise even higher.

Driving incident Average annual full coverage premium in Washington, D.C. Percentage increase in average annual premium
Clean driving record $2,072 0%
Speeding ticket $2,352 14%
Accident $2,719 31%
DUI $3,064 48%

Car insurance rates in Washington, D.C. by credit score

In Washington, D.C., your credit rating also impacts your car insurance rates. Insurance companies use credit-based insurance scores to help calculate premiums in states where the practice is allowed. Generally, drivers with poorer credit scores tend to file more claims, which results in a higher risk to the insurer and thus a higher average rate. In D.C., drivers with poor credit pay nearly $1,500 more per year than drivers with excellent credit, on average.

Credit tier Average annual full coverage premium in Washington, D.C. Percentage difference in average annual premium
Poor $3,337 61%
Average $2,241 8%
Good $2,072 0%
Excellent $1,861 -10%

Washington, D.C. car insurance rates by vehicle type

The vehicle make and model that you drive has one of the largest impacts on your car insurance rates. Some vehicles may be less likely to get into crashes or have lower repair costs, which result in lower premiums. The opposite is also true; vehicles with a higher likelihood of crashes or higher repair costs generally cost more to insure.

Vehicle Average annual full coverage premium in Washington, D.C.
Toyota Camry $2,072
Ford F-150 $1,715
Honda Odyssey $1,767
BMW 330i $2,770
Toyota Prius $2,192

How to save on car insurance in Washington D.C.

If you’re looking for lower car insurance rates in Washington, D.C., you might want to keep these tips in mind: 

  • Bundle your policies: If you currently have a homeowners or renters policy, then bundling with the same carrier is a great way to receive additional savings on your auto insurance.
  • Shop around: Comparison shopping can be a smart way to help ensure that your current policy is right for you. That’s why it’s a good idea to compare multiple carriers when you shop for coverage. Rates change from year to year and from one carrier to another, so comparison shopping may benefit your budget.
  • Look for discounts: Most carriers offer discounts, many of which provide simple ways to save. Allowing the carrier to track your driving habits using a telematics program, having safety equipment or taking a defensive driving course are a handful of ways you can save on your policy.
  • Raising your deductibles: If you have full coverage, the higher your deductibles, the lower your premiums are likely to be because you agree to take on more financial risk. Your deductible is the out-of-pocket costs you pay with a comprehensive or collision claim, and the more you take on means potentially lower monthly premiums.

Estimate your car insurance cost in Washington, D.C.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Written by
Cate Deventer
Former Writer & Editor, Insurance
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by Senior Editor, Insurance