Washington D.C. Average Cost of Car Insurance Rates (2023)

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.

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..

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..

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.

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.

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.

Minimum Car Insurance Requirements in Washington, D.C.

All motor vehicles operated or parked on Washington, D.C. roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Washington, D.C.^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Washington, D.C. is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured/underinsured motorist bodily injury

• $50,000 per accident for uninsured/underinsured motorist bodily injury

• $5,000 per accident for uninsured/underinsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Washington, D.C., you’re required to purchase this coverage for bodily injury protection, but this can be rejected if drivers choose to do so.

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.

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.

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies