Auto Insurance in Washington DC


Providing a fast and stress-free experience when looking for auto insurance in Washington DC.





Auto Insurance in Washington DC and What You Need to Know



Shopping around for estimates on auto insurance in Washington DC from many companies is critical if you wish to locate affordable auto insurance in the city. The price of what your friends and acquaintances cover for auto insurance in Washington DC will differ based on numerous factors--such as your age, driving, and location history. To help lessen some of your legwork on shopping for auto insurance in Washington DC, we have accumulated auto insurance rates for you in the city. We have found the cheapest alternatives for many kinds of drivers. We've also listed a couple of crucial factors that affect how much you pay for car insurance in the city.

Percentage increase in Washington DC car insurance costs compared to national average

9.96 %

Percentage decrease in Washington DC car costs compared to average in District of Columbia

15.52 %

Percentage decrease in Washington DC car insurance costs compared to most expensive in District of Columbia

23.17 %

Full Coverage Car Insurance

Protect yourself, your passengers and others. Discover what driving with full coverage in Washington DC can give you beyond the peace of mind knowing that everyone and everything is protected.

Liability Car Insurance

Meet the insurance requirements for driving in Washington DC with a minimum liability auto insurance coverage plan. You're always better off being protected than not being protected at all.

High Risk Car Insurance

Finding the best high risk car insurance in Washington DC can be daunting. We help you weave through the noise so you can get the best car insurance rate in Washington DC should you a high risk coverage plan.

Home and Auto Insurance

Bundle your next home and auto insurance coverage in Washington DC all into one so you can deal with less companies and save. Find out if a home and auto insurance bundle is right for you.


Your Driving Record Matters When Getting Auto Insurance in Washington DC

We've all seen the story before or have been a part of it. You're getting quotes for car insurance in Washington DC and looking for the very best deal on an insurance plan. You receive a fantastic car insurance quote that's affordable and provides all of the coverage choices you're searching for. Still, afterward the insurance carrier comes back and informs you that the total cost of this insurance premium is more significant than you were originally quoted. What happened? It might be due to insurance points. The amount of points added to a driver's record for a crime varies by location. If your driving record from the state's department of motor vehicles comes showing tickets or accidents which you didn't originally report in your insurance plan, your car insurance rates in Washington DC might be significantly higher compared to pricing that the insurance provider originally quoted.


best home and auto insurance Washington DC DC

Your Type of Car Plays a Role on Car Insurance Costs in Washington DC

For certain kinds of vehicles, you will find an assortment of factors that decide how much you will pay for auto insurance in Washington DC. The more horsepower your vehicle gets, the likelier you will speed and face the danger of a crash. Since cars with more power are involved in more accidents, they are more costly to cover. But a massive SUV could push the price of your auto insurance in Washington DC up due to its capability to inflict a more substantial amount of harm on other vehicles. If you are seeking to get the most inexpensive car insurance, consider cars in the midsize group, like sedans, midsize SUVs, or minivans. A vehicle's worth also weighs significantly on the cost to cover it. For many auto insurance companies, the price of the automobile is your first and primary factor when setting the purchase price of your auto insurance in Washington DC. It is ideal to think about lower-priced vehicles in case you're on the lookout for extra insurance savings.

Vehicle TypeAnnual Average Cost of Car Insurance
Car1,754.87
Luxury1,618.85
SUV1,494.46
Van1,375.04
Truck1,343.52



best home and auto insurance Washington DC DC

Cost of Car Insurance in Washington DC by Gender and Marital Status

In several states, gender is no longer a variable that can be used to calculate auto insurance rates. As for your marital status, however, it may influence your rates on auto insurance in Washington DC. Generally, married couples are more likely to receive a reduced auto insurance rate than single individuals. Never-married individuals have a higher likelihood of driving accidents than married men and women. Besides young singles, elderly widows and divorced folks also see higher prices on auto insurance in Washington DC. You may also be given a discounted insurance rate for having a domestic partner. But that practice is not as prevalent. The simple fact is that married couples are not as inclined to get into automobile accidents. There are a variety of theories about why this could be the situation; some sources state married motorists often drive less than their single counterparts. Other resources hypothesize that married motorists have significantly more stable and less risky lifestyles compared to singles. Either way, if you just got married or are married, then you could qualify for a discounted car insurance rates in Washington DC.

Where You Live in Washington DC Affects Car Insurance Costs

Annual savings for car insurance in smaller towns near Washington DC

13 %

Annual savings for car insurance in medium sized cities near Washington DC

9 %


The five-digit amount that informs the post office in which you reside can save or cost you thousands of dollars annually on car insurance in Washington DC. The discrepancies in automobile insurance policy prices by zip code have little to do with all the manufacturers and models of automobiles and much related to the offense. Cities with high levels of injuries and theft claims generally see higher insurance premiums because firms lump specific zip codes collectively into risk classes. City drivers nearly always pay more than the ones that reside in the nation. To put it differently, more cars mean more mishaps. Other factors that are considered if companies are pricing your auto insurance in Washington DC would be the status of the streets on your zip code. Zipcodes with roads that are less developed may even see higher auto insurance prices.

Average Costs of Auto Insurance in Washington DC by Types of Coverage


Type of Auto Insurance CoverageAverage Annual Rate
Without Comprehensive or Collision1,224.17
Auto Insurance with Comprehensive Only1,444.51
Auto Insurance with Comprehensive and Collision2,130.03


Your Credit Affects Your Car Insurance Costs

Apart from your driving history and the kind of automobile you drive, your credit rating can affect what you pay for auto insurance in Washington DC. Many businesses utilize credit-based insurance coverage when deciding the price of your car insurance rates. Studies indicate that using this particular score helps insurance companies predict insurance when someone is more likely to get into an accident. In reality, 92 percent of the car insurance companies in Washington DC now consider your credit score when calculating how much you will pay for auto insurance. A credit-based car insurance coverage makes it possible for insurers to estimate the fairest, most suitable rate for every single client. So, in the long run, yes, your credit rating can affect your prices on auto insurance in Washington DC. Even though your credit history plays significantly when it comes to pricing your auto insurance, it is still most important to concentrate on the items you can control, like paying your bills on time and keeping an eye on how you're applying for the credit.

Average car insurance rate changes in Washington DC based off credit scores.

55 %

Max car insurance rate changes in Washington DC based off credit scores

150 %


94 percent of the car insurance companies in Washington DC now consider your credit score when calculating how much you will pay for auto insurance.



Washington DC Car Insurance Rates by Age

The rates for auto insurance in Washington DC vary so considerably by age category. This is simply because certain age groups are significantly more of a liability to cover than others because of a higher likelihood of injuries and costly claims. The youngest drivers have a tendency to have the maximum amount of traffic incidents and exhibit more reckless behaviour than older drivers. They're the most costly to insure, typically, as an outcome. Auto insurance prices in Washington DC fall off for adults once they start to settle around middle age since they get more experience behind the wheel and also get into fewer injuries in comparison with teens. This tendency continues until motorists reach their seventies, where auto insurance prices begin to grow again. But even though age is among the most significant variables that play into the cost of car insurance in Washington DC, the effect of age on auto insurance rates could vary wildly from state to state. Overall, however, you typically will see the youngest drivers regularly paying the most massive sum for an Washington DC auto insurance policy.

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Getting the Best Auto Insurance Rates in Washington DC


Shopping for and buying auto insurance in Washington DC may sometimes look to be an unwelcome cost and experience. Still, it's one you may do to protect you from financial loss associated with a traffic collision, automobile theft, natural disaster, or another occasion. None of us needs to invest more than we will need to for getting auto insurance in Washington DC, but it's not always clear how to secure reduced auto insurance prices. The only way to make sure you're getting the cheapest rate possible would be to search around. Insurers supply an assortment of discounts, which may mean lower insurance prices for clients who meet specific requirements or if they are even looking to package their automobile insurance alongside their home insurance. Just take the opportunity to examine the prices across different vendors and compare them before you choose which kind of auto insurance in Washington DC is ideal for you. And if you need help with that process, we are always here to help you.