Car Insurance In Washington D.C. For 2022


WRITTEN BY: Julia Matseikovich

UPDATED: NOVEMBER 17, 2022 | 3 MIN READ

Residents pay an average of $2,351 yearly for car insurance in Washington D.C. This is only the district’s average — many factors will determine your rate. It’s possible to pay even less by researching the best companies, discounts, and more. 

Best Washington D.C. Car Insurance Companies

Car insurance in Washington D.C. is much higher than the national average, but it’s possible to save if you research. When comparing customer satisfaction rankings and rates, the best auto insurance companies in Washington D.C. are Geico, Erie, and State Farm.

Cheapest Washington D.C. Car Insurance Company

Washington D.C.’s most affordable auto insurance companies are Geico and Progressive.

Washington D.C. Car Insurance Company With the Best Customer Service

If you value good customer service as much as your coverage options, look to Geico, Erie, and State Farm. Geico scored an 871 in J.D. Power’s 2021 Auto Insurance Study, while Erie holds 880, and State Farm tops it off at 881. 

Washington D.C. Car Insurance Company With the Best Discounts

Many auto insurance companies in D.C. offer discounts, but savings can vary. For example, State Farm doesn’t offer the most discounts for D.C. drivers but offers the biggest possible discount at 16%. 

GEICO and Progressive offer the most discounts to Washington D.C. drivers, with 13% and 15% possible savings on annual premiums.

Washington D.C. Insurance Demographics

Car insurance companies in D.C. consider many factors when determining rates. Familiarize yourself with the area with a quick run-down of Washington D.C.’s demographics: 

  • Crime Rates: Washington D.C.’s crime index is 5, making it safer than 5% of U.S. cities. The district reported 7,127 violent crimes and 24,899 property crimes.  
  • Average Household Income: Washington D.C.’s per capita income is $58,659, higher than the national income of $35,384.
  • Median Age Range: D.C.’s median age group is 5-17. The district’s largest age group is 35-54 years old. 
  • Education: Almost 92% of D.C. residents graduated high school. Almost 60% graduated from college, and almost 7% are currently enrolled.

Common Risk Factors In Washington D.C.

Washington D.C. is a densely populated area known for some of the worst traffic in the country. Both factors play a role in the area’s high auto insurance rates.

Auto Insurance Laws In Washington D.C.

Washington D.C. requires all drivers to carry minimum car insurance coverage, including liability insurance and uninsured motorist coverage. 

What are the minimum car insurance requirements in Washington D.C.?

Washington D.C. drivers must carry minimum car insurance coverage, which includes uninsured/underinsured motorist coverage and liability insurance. However, you may want to add higher coverage limits to cover all damage if an accident occurs. Below are the minimum car insurance requirements in Washington D.C.: 

  • Bodily Injury: $25,000 per person/$50,000 per accident
  • Property Damage: $10,000 per accident
  • Uninsured Motorist (Bodily Injury): $25,000 per person/$50,000 per accident
  • Uninsured Motorist (Property Damage): $5,000 per accident; $200 deductible

Am I required to carry uninsured motorist coverage in Washington D.C.?

Washington D.C. requires all drivers to carry uninsured motorist coverage for bodily injury and property damage.  

Washington D.C. SR-22 policies

If you’ve committed a violation, such as driving without insurance or a suspended license, a DUI conviction, or accumulating too many points on your license, you must have SR-22 insurance. It’s not a type of insurance policy but a form that ensures that you remain insured.

Is Washington D.C. a no-fault district?

Washington D.C. is a “no-fault” district. Your insurer will cover your medical bills following an accident, regardless of who is to blame. 

What happens if my vehicle isn’t properly insured in Washington D.C.?

If you fail to maintain insurance on a D.C.-registered vehicle, you face the following penalties: 

  • Suspension of license and registration
  • A $150 fine for the first 30 days and $7 for each additional uninsured day (up to $2,500)
  • A $30 penalty if you can’t provide proof of insurance if pulled over
  • A $98 license reinstatement fee

Does Washington D.C. accept digital insurance cards?

You may show digital proof of insurance on your phone in Washington, D.C.

How Much Does Car Insurance In Washington D.C. Cost?

On average, Washington D.C. residents pay $2,351  for full coverage car insurance. Other factors like your car insurance company, age, and driving record will determine your rate.

Average Cost of Car Insurance By Company

Like other states, car insurance in Washington D.C. will vary by company.

Allstate’s insurance is almost twice as high as many of the other top companies listed below. GEICO offers the cheapest rates at $1,420.

Car Insurance CompanyAverage Full-Coverage Premium (Annually)
Allstate$3,735
GEICO$1,420
Progressive$1,605
State Farm$1,995

Average Cost of Car Insurance By Age

Consistent with nationwide trends, 18-year-olds pay the most for car insurance in Washington D.C. From there, the rates steadily decline, with sixty-year-old drivers paying the lowest average for car insurance.

AgeAverage Full-Coverage Premium (Annually)
Age 16$2,495
Age 18$5,745
Age 20$3,855
Age 25$2,250
Age 30$1,985
Age 40$1,855
Age 50$1,820
Age 60$1,775
Age 70$1,960

Average Cost of Car Insurance By Gender

Gender doesn’t play a major role in determining car insurance rates in Washington D.C. Still, females currently pay slightly more than men for auto insurance.

GenderAverage Full-Coverage Premium (Annually)
Male$1,465
Female$1,490

Average Cost of Car Insurance By Credit Score

On average, D.C. drivers with great credit save hundreds of dollars on auto insurance. Those with poor credit risk paying about $2,000 more each year.

Credit ScoreAverage Premium (Annually)
Poor$3,215
Fair$2,545
Good$1,935
Very Good$1,535
Great$1,345

Average Cost of Car Insurance By Driving Record

If you get a speeding ticket, get into an accident, or get charged with DUI/DWI in Washington D.C., expect your rates to increase. A DUI remains the most expensive charge, while even a speeding ticket will cause a 15% premium increase.

Driving IncidentAverage Full-Coverage Premium (Annually)% Increase In Average Full-Coverage Premium
Speeding Ticket$2,16015%
Accident$2,44525%
DUI$2,81553%

What Optional Insurance Coverages Should You Consider?

Washington D.C. drivers may want to consider additional physical damage coverage. This insurance includes collision and comprehensive coverage. Collision coverage pays to repair your car, and comprehensive coverage pays for damages that result from any other incident. 

What Auto Insurance Discounts To Look For In Washington D.C.

Car insurance in Washington D.C. is higher than the national average, but there are several ways to lower your rates.

Check different companies to see if they offer the following auto insurance discounts

  • Paid-in-full discounts when you pay your yearly premium in one payment
  • Safety equipment savings, such as installing anti-lock brakes and/or an anti-theft system
  • Safe driver discounts that record your driving habits
  • New car discounts for vehicles less than one-year-old

FAQs

Is car insurance high in D.C.?

Washington D.C. car insurance is pricier than in most states.

How much is car insurance a month in Washington D.C.?

On average, D.C. drivers pay about $196 monthly for car insurance.

Is car insurance required in Washington D.C.?

Yes, drivers must carry minimum car insurance coverage, which includes uninsured/underinsured motorist coverage and liability insurance, in Washington D.C. 

What is the minimum car insurance in D.C.?

The minimum car insurance in D.C. includes bodily injury ($25,000 per person/$50,000 per accident), property damage ($10,000 per accident), and uninsured motorist bodily injury ($25,000 per person/$50,000 per accident), and uninsured motorist property damage ($5,000 per accident; $200 deductible).

Why is D.C. car insurance so expensive?

D.C. is a densely populated area, especially compared to less-congested cities nearby. This and the notorious traffic contribute to higher rates than the national average. 

How To Purchase Washington D.C. Car Insurance

To purchase the best car insurance in Washington D.C., shop around and compare rates. This ensures your price is competitive and suits your budget. Request quotes from at least three insurers using our online quote form.