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Washington D.C. Average Cost of Car Insurance Rates (2022)

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Mark Steinbach

By: Mark Steinbach

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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How Much Does Car Insurance Cost In Washington D.C.?

On average, car insurance rates for drivers in Washington DC are $227 per month, and $2728 per year. The average rates make Washington DC the 20th most expensive state in the country for car insurance rates and 2% more expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $22750%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Washington D.C. Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Washington D.C. and has selected the following providers and quotes as the best rates for drivers in Washington D.C..

Cheapest CompaniesQuotes
Travelers$162
Liberty Mutual$216
American Family$259
Nationwide$265

Washington D.C. Car Insurance Rates by City

For drivers in Washington D.C., it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Washington D.C..

CityAvg. Monthly Rate

What Is the Average Cost of Car Insurance in Washington D.C. by Age?

Teens who get behind the wheel in D.C. should expect to pay a steep price for car insurance: $580 per month on average. Thankfully, the rates go down by more than half as you become a young adult, with drivers in their 20s paying an average of $270 per month.

Middle-aged drivers in Washington, D.C., can expect to pay even less for car insurance, around $180 per month, into their 60s. Then, drivers in their 70s will pay $208 per month on average, while those over 80 pay $285 per month on average.

AgeAvg. Monthly Rate
Teens$580
20s$270
30s$184
40s$184
50s$187
60s$177
70s$208
>80s$285

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What Is the Average Cost of Car Insurance in Washington D.C. by Gender?

Car insurance rates in Washington, D.C., are hardly affected by the gender of the driver, with men in D.C. paying only a dollar more than women on average.

GenderAvg. Monthly Rate
Male$228
Female$227

Does Marital Status Influence the Average Cost of Car Insurance in Washington D.C.?

Getting married is always cause for celebration—especially in Washington, D.C., where tying the knot will decrease your monthly car insurance rate by an average of $60.

Overall, married drivers pay $179 per month, which is $48 below the state average. Meanwhile, single D.C. drivers pay a heftier $239 per month.

Marital StatusAvg. Monthly Rate
Married$179
Single$239

What Are the Minimum Car Insurance Requirements in Washington D.C.?

In Washington, D.C., there are a few minimums laid out for car insurance limits. But remember that these are just minimums—you can opt for even more insurance if you feel that’s necessary. For bodily injury liability, at least $25,000 is required per person. Additionally, $10,000 property damage liability coverage per accident and $50,000 uninsured motorist bodily injury coverage per accident is required.

D.C. also recommends drivers look into personal injury protection and purchase at least $25,000 underinsured motorist bodily injury protection per person.

washington-dc

How Does Credit History Affect Washington D.C. Car Insurance Rates?

Washington, D.C., allows car insurance companies to consider your credit score when determining your car insurance rates. As you’d expect, drivers with an excellent credit history pay the least ($167 per month), while those with a poor credit history pay the highest average rate ($264 per month).

Those with an average or good credit history fall in the middle of these two ranges at $259 per month and $231 per month, respectively.

Credit HistoryAvg. Monthly Rate
Poor$264
Average$259
Good$231
Excellent$167

What Is the Average Cost of Car Insurance in Washington D.C. for High-Risk Drivers?

In Washington D.C., getting an at-fault accident or speeding ticket on your record will inevitably increase your car insurance rates by a decent amount. Drivers with at-fault accidents pay an average of $250 per month on car insurance, while those with speeding tickets pay an average of $252 per month. Both are nearly $40 higher than the average rate of a driver without a violation. So as you hit the busy roads of D.C., drive safely—and keep those insurance rates low.

Driving HistoryAvg. Monthly Rate
No Violation$213
At-Fault Accident$250
Speeding$252

Tips for Researching Washington D.C. Car Insurance Rates

Car insurance rates can vary widely between car insurance companies. And with several carriers offering their services in Washington, D.C., drivers in the nation’s capital will want to make sure they’re comparing rates to find affordable, robust car insurance.
Insurify is all about making it easy to compare quotes so that drivers can find cheap car insurance rates. With Insurify, 10+ free car insurance quotes are just a few clicks away, setting you on the path to lower premiums.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Mark Steinbach
Mark Steinbach

Content Writer at Insurify

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

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