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

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Jeanette Wisniewski

By: Jeanette Wisniewski

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

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
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
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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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

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  • 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.

Jeanette Wisniewski
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.

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