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Washington, D.C. Car Insurance for Bad Credit Drivers

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Jeanette Wisniewski
Written by
Jeanette Wisniewski
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Written by
Jeanette Wisniewski
Insurance Writer
Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.
John Leach
Edited by
John Leach
Photo of an Insurify author
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Amber Benka
Reviewed by
Amber Benka
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Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated March 9, 2022

Cheapest Companies for Drivers With Bad Credit in Washington, D.C. (2022)

For drivers with bad credit in Washington, D.C., it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Washington, D.C.. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Washington, D.C..

CarrierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Travelers$191
Liberty Mutual$269
American Family Insurance$314

Bad Credit Car Insurance in Washington, D.C.

The nation's capital is full of policymakers—undoubtedly many of them involved with insurance. Still bad credit here can make the wrong impression on your car insurance carrier.

Using credit reports to inform insurance ratings is a touchy subject. Not all information on your credit report is up for grabs, however. What don't car insurance companies use when calculating a credit-based insurance score? The answer: ethnic group, age, gender, disability, religion, address, marital status, and nationality.

Washington, D.C. Car Insurance Rates for Bad Credit Drivers

Excellent
$159
Good
$177
Average
$179
Poor
$194

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Washington, D.C.?

Drivers with bad credit pay about 12.5 percent more than average in Washington, D.C. This rate is relatively cheap compared to other states. Remember: things like gender, marital status, and location still impact rates on top of credit factors.

The District allows the use of credit-based insurance scores to determine risk and set insurance rates. How much money you have doesn't matter. Instead, insurance companies look to the score to understand how the motorist manages their money. For example, payment history makes up 40 percent of a motorist's FICO (a credit score reporting company) score.

Avg. Monthly Cost - for Drivers with Good Credit
$207
Avg. Monthly Cost - for Drivers with Bad Credit
$233
$26 ▴
12.56% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in Washington, D.C.?

In Washington, D.C., car insurance companies that give out policies without credit checks are few and far between. Their business depends on the risk-related information they can easily interpret from a customer's credit report.

One alternative is to find an insurer with usage-based insurance policies. The dollar amount of these policies doesn't depend on your data as an individual. Instead, rates are dependent on the type of vehicle, how long, how far, and how well you drive.

Washington, D.C. Car Insurance Rates by Credit Tier

The difference in premiums between excellent and poor credit amounts to $35 a month in Washington, D.C. This comes to $420 a year and is a lot of money to let go of without making financial changes. Even a small step, like paying every bill on time, can help boost you to the next tier.

Credit TierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Excellent$159
Good$177
Average$179
Poor$194

Tips for Researching Bad Credit Washington, D.C. Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Washington, D.C draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate 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 you need to, and customers save $585 per year on average.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Jeanette Wisniewski
Written by
Jeanette Wisniewski

Insurance Writer

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

Learn More
John Leach
Edited by
John Leach

Insurance Content Editor at Insurify

Photo of an Insurify author
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.