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Average cost of car insurance in Washington, D.C. in 2023
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What To Know First
If you live in the nation's capital, you may wonder, “How much is car insurance in Washington, D.C.?” On average, D.C. drivers pay $2,072 per year for full coverage and $607 per year for minimum coverage. Rates vary by a number of metrics though, something that our insurance editorial team (which includes three licensed insurance agents) knows well. Below, we analyze the average cost of car insurance in Washington, D.C. by several different factors, including age, gender, credit rating and vehicle type. Our research could help you understand if your rate is competitive for your unique blend of rating metrics.
- 18-year-old males pay the highest average premium across all the rating factors we analyzed, at $6,753 per year for full coverage.
- Getting a speeding ticket increases the average full coverage rate inWashington D.C. by 14 percent each year.
- A DUI conviction adds an average of nearly $1,000 per year to the average Washington D.C. full coverage car insurance premium.
- Drivers with poor credit pay 79 percent more for full coverage in D.C. than drivers with excellent credit.
On This Page
- How much is car insurance in Washington D.C.?
- Average car insurance costs by age and gender in Washington, D.C.
- How does driving record impact the cost of car insurance in Washington, D.C.?
- Car insurance rates in Washington, D.C. by credit score
- Washington, D.C. car insurance rates by vehicle type
- How to save on car insurance in Washington D.C.
- Estimate your car insurance cost
- Frequently asked questions
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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.
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