Cheap Car Insurance for High-Risk Drivers in Washington, D.C.:
Costs and Quotes (2021)

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What Makes a Driver High-Risk in Washington, D.C.?

When you buy a car insurance policy, the company you're working with will inevitably take a look at your driving record. That's because they want to know how likely you are to file a claim in the future. For instance, if you have several at-fault accidents on your record, they'll consider you a high-risk driver—and most likely expect you to pay more for car insurance.

In the nation's capital, there are many ways you can earn yourself high-risk status. These include, but are not limited to, speeding, reckless driving, at-fault accidents, and DUIs. But be aware that even if you do fall into the high-risk category, you won't necessarily have to pay high rates. You might just have to do a bit more research to find a policy catered to high-risk drivers.

Washington, D.C. Car Insurance Rates for High-Risk Drivers
Average Monthly Cost
$202
No Violation
$241
Speeding Ticket
$238
At-Fault Accident
$263
Reckless Driving
$277
Failure to Stop for Red Light / Stop Sign
Driving History

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

What Are the Best Car Insurance Companies for High-Risk Drivers in Washington, D.C.?

It's just reality: policies specialized for high-risk drivers are typically more expensive than an average policy. But that doesn't mean you can't still find a good deal if you do your research. Below are some of the cheapest car insurance companies and rates for high-risk drivers in Washington, D.C.:

CarrierAvg. Monthly Cost
travelers

Travelers

$164/mo
liberty-mutual

Liberty Mutual

$232/mo
nationwide

Nationwide

$244/mo
american-family

American Family Insurance

$320/mo

How Much Does High-Risk Driving Affect Car Insurance Rates in Washington, D.C.?

No one wants a high-risk driving charge on their record, but it can happen to any driver at any time. Even changing lanes in a risky, dangerous way can earn you a reckless driving charge that stays on your record for years.

And unfortunately, drivers with such a charge on their record will likely have to pay more for car insurance. For instance, Washington, D.C., drivers with a reckless driving charge can see their rates go up by a whopping 30 percent. Here is how some high-risk driving charges can affect your car insurance rates in the nation's capital:

Driving HistoryAvg. Monthly Cost
No Violation$202
Speeding Ticket$241
At-Fault Accident$238
Reckless Driving$263
Failure to Stop for Red Light / Stop Sign$277

How Much Does a Speeding Ticket Impact Car Insurance Rates in Washington, D.C.?

When you speed on the roads of the nation's capital, you might end up facing a car insurance rate increase of nearly $40—which adds up to nearly $500 over a year. Here are some typical rates you can expect to see if you have a speeding ticket on your record in D.C.:

$202
No Violation - Avg. Monthly Rate
$241
Speeding ticket - Avg. Monthly Rate
$39 Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in Washington, D.C.?

If you find yourself at fault in an accident in Washington, D.C., you should probably prepare for some financial consequences. On average, D.C. drivers see a $36 per month increase in their car insurance after an at-fault accident, which is over $432 per year. The table below outlines the financial impact of an accident in Washington, D.C.:

$202
No Violation - Avg. Monthly Rate
$238
Speeding ticket - Avg. Monthly Rate
$36 Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Washington, D.C.?

All it takes is one careless moment for you to run through a red light or stop sign. But that one little mistake could lead to a car insurance rate increase of $75 per month in D.C. While you may have to deal with higher rates after this mistake, you can still find an affordable policy if you do your research. Here are typical rates for Washington, D.C., drivers with this kind of offense on their record:

$202
No Violation - Avg. Monthly Rate
$277
Speeding ticket - Avg. Monthly Rate
$75 Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates in Washington, D.C.?

When you buy a car insurance policy, the company you're working with will inevitably take a look at your driving record. That's because they want to know how likely you are to file a claim in the future. For instance, if you have several at-fault accidents on your record, they'll consider you a high-risk driver—and most likely expect you to pay more for car insurance.

In the nation's capital, there are many ways you can earn yourself high-risk status. These include, but are not limited to, speeding, reckless driving, at-fault accidents, and DUIs. But be aware that even if you do fall into the high-risk category, you won't necessarily have to pay high rates. You might just have to do a bit more research to find a policy catered to high-risk drivers.

Tips for Researching High-Risk Washington, D.C. Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Washington, D.C. draws a wide variety of choices when factoring high-risk driving insurance rates.

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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