In Washington, D.C., full coverage car insurance averages $1,679 annually, while minimum coverage is $845. These rates are $383 and $250 more expensive, respectively, than the national averages.
Average Cost of Car Insurance in Washington, D.C.
Updated: December 23, 2024
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Key Takeaways
Drivers in the District pay 30% more for full coverage car insurance than the national average.
They also pay 42% more for minimum coverage compared to the national average.
The average annual cost of full coverage in Washington, D.C., is $1,679, and minimum coverage is $845, making it one of the pricier places for car insurance.
How Much Is Car Insurance in Washington, D.C.?
| Full Coverage | $1,679 | $1,296 | 30% |
| State Minimum Liability Only | $845 | $595 | 42% |
Washington, D.C., Car Insurance Rates by Coverage Level
Your coverage level affects your car insurance rate. Raising your liability limits and adding full coverage increase costs, while choosing a higher deductible lowers your premium. Below are average minimum coverage and full coverage rates in Washington, D.C., based on different deductibles and liability limits.
| 300/500/300 | Full Coverage | $1,898 | $500 |
| 300/500/300 | Full Coverage | $1,797 | $1,000 |
| 100/300/100 | Full Coverage | $1,780 | $0 |
| 300/500/300 | Full Coverage | $1,739 | $1,500 |
| 100/300/100 | Full Coverage | $1,679 | $1,000 |
| State Minimum | Full Coverage | $1,651 | $500 |
| 100/300/100 | Full Coverage | $1,621 | $1,500 |
| State Minimum | Full Coverage | $1,550 | $1,000 |
| State Minimum | Full Coverage | $1,492 | $1,500 |
| 300/500/300 | Liability Only | $1,241 | $0 |
| 100/300/100 | Liability Only | $1,076 | $0 |
| State Minimum | Liability Only | $845 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average Washington, D.C., Car Insurance Cost by City
Car insurance costs vary in Washington, D.C., due to crime rates, traffic conditions and weather. Washington offers full coverage at roughly $1,203, lower than DC's average by below 1%. Its minimum coverage is also cheaper by under 1%. Check the table below for a detailed insurance rate comparison.
| Washington | $1,203 | -37% | $552 | -50% |
Average Washington, D.C., Car Insurance Cost by Age
In Washington, D.C., age affects car insurance costs, with younger drivers often paying more due to higher risk. On average, 25-year-olds pay 7% more for full coverage and 10% less for minimum coverage than 40-year-olds. Compared to 65-year-olds, they pay more by 13% for full coverage and 20% for minimum coverage.
| 25 | $2,038 | $987 |
| 40 | $1,679 | $845 |
| 65 | $1,668 | $873 |
While age affects car insurance costs in most U.S. states, California, Massachusetts and Hawaii don't allow age as a rating factor.
Car Insurance Costs in Washington, D.C., for Young Drivers by Gender
Young drivers in Washington, D.C., face higher car insurance costs due to increased accident risk. On average, drivers aged 18 to 25 pay $1,800 annually when added to a family policy, 37% less than an individual policy, which costs around $2,470.
Gender also influences car insurance rates for young drivers in the District. Females aged 18 to 25 pay an average of $2,286 per year, cheaper than the $2,653 male drivers pay. Below are the average premiums for individual and family policies for young drivers in the state, broken down by gender.
Car Insurance Costs in Washington, D.C., for Young Females
An 18-year-old female in Washington, D.C., pays about $1,887 for full coverage when added to a family policy. Choosing an individual policy raises her rate by nearly 59%, costing around $4,559.
| 18 | $4,559 | $1,887 | -59% |
| 19 | $2,843 | $2,096 | -26% |
| 20 | $2,473 | $1,817 | -27% |
| 21 | $1,981 | $1,470 | -26% |
| 22 | $1,826 | $1,799 | -1% |
| 23 | $1,636 | $1,608 | -2% |
| 24 | $1,534 | $1,506 | -2% |
| 25 | $1,434 | $1,407 | -2% |
Car Insurance Costs in Washington, D.C., for Young Males
An 18-year-old male driver in the District typically pays $5,478 for an individual full coverage policy. By joining a family policy, the cost drops to $2,223, saving 59% annually.
| 18 | $5,478 | $2,223 | -59% |
| 19 | $3,397 | $2,424 | -29% |
| 20 | $2,991 | $2,132 | -29% |
| 21 | $2,290 | $1,652 | -28% |
| 22 | $2,055 | $1,978 | -4% |
| 23 | $1,839 | $1,765 | -4% |
| 24 | $1,671 | $1,601 | -4% |
| 25 | $1,505 | $1,442 | -4% |
Average Washington, D.C., Car Insurance Cost by Driving Record
In Washington, D.C., driving offenses like at-fault accidents and DUIs can increase car insurance premiums by up to 33%. The table below compares costs for drivers with accidents, DUIs or tickets to those with clean records.
| At-Fault Accident | $2,382 | 25% | $1,226 | 12% |
| DUI | $2,538 | 33% | $1,262 | 15% |
| Ticket | $1,934 | 1% | $979 | -11% |
Average Washington, D.C., Car Insurance Cost by Credit Score
Credit-based insurance scores impact car insurance costs in Washington, D.C. On average, drivers with excellent credit pay about $1,167 per year for full coverage, while those with poor credit could see rates around $2,390.
| Excellent | $1,167 | -39% | $459 | -58% |
| Good | $1,378 | -28% | $535 | -51% |
| Fair | $1,658 | -13% | $634 | -42% |
| Below Fair | $2,015 | 6% | $770 | -30% |
| Poor | $2,390 | 25% | $893 | -18% |
CREDIT SCORES AND YOUR PREMIUM
A credit score of 670 to 739 shows financial dependability and can reduce insurance rates for drivers in Washington, D.C. However, Hawaii, Massachusetts, Maryland, California and Michigan insurers cannot use credit scores in pricing. Credit scores can influence rates only under certain conditions in states like North Carolina, Oregon, Washington, Utah and Nevada.
Average Washington, D.C., Car Insurance Cost by Company
Premiums vary widely by company. Erie offers the most affordable car insurance in Washington, D.C., at $1,168 annually for full coverage. Allstate's $2,403 premium is the highest, 57% above the local average.
| Erie | $1,168 | $597 |
| GEICO | $1,209 | $654 |
| Chubb | $1,380 | $372 |
| Nationwide | $1,608 | $910 |
| State Farm | $1,929 | $873 |
| Progressive | $2,054 | $1,092 |
| Allstate | $2,403 | $1,416 |
Average Washington, D.C., Car Insurance Cost by Vehicle Age
Newer cars cost more to insure, with full coverage averaging $1,639 a year in Washington, D.C. A 10-year-old car costs around $1,273 to insure.
| 10-Year-Old Vehicle | $1,273 | $579 |
| New Model Vehicle | $1,639 | $553 |
ACTUAL CASH VALUE
The actual cash value (ACV) represents your car's worth just before damage, as determined by your insurer. When filing a comprehensive or collision claim, the ACV establishes the maximum amount for repairs or replacement, subtracting any deductible. This ensures the claim aligns with the car's fair market value.
Read More: Used Car Insurance
Washington, D.C., Car Insurance Rates Explained
We compare car insurance rates in Washington, D.C., with the national average to help you understand potential costs. Rates may vary based on factors like coverage type, driving history, location and credit-based insurance scores.
Is Car Insurance Expensive in Washington, D.C.?
Car insurance in Washington, D.C., is expensive. The average monthly full coverage cost is $140, about 30% higher than the national average.
Read More: Why Car Insurance Is So Expensive
Car Insurance Costs in Washington, D.C. vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
Washington, D.C., Average Cost
Full Coverage Car Insurance
$140DC Car Insurance Is Expensive:$32 more
This is 30% more expensive.
Why Are Car Insurance Rates Expensive in Washington, D.C.?
Car insurance in Washington, D.C., is costly due to its dense population, urban lifestyle and harsh weather. These factors lead to more claims and higher claim costs.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in Washington, D.C.
While average rates reflect how laws and the economy affect car insurance in Washington, D.C., your premium depends on factors specific to you. To estimate your costs, consider the following:
Driving Record
Safe driving can lead to fewer accidents and traffic violations, potentially lowering insurance rates.
Age and Gender
Younger, inexperienced drivers and certain genders may face higher rates.
Credit History
A higher credit score can lower car insurance costs. To improve your credit, pay bills on time and reduce debt.
Vehicle Type
Insuring a car that's less expensive to repair or replace and one with good safety ratings can decrease insurance rates.
Location
Living in areas with lower crime rates or less traffic congestion can reduce your car insurance premiums.
Coverage Level
Opt for a coverage level that meets your needs without overinsuring. Higher deductibles can also reduce your premium.
Marital Status
Married drivers often receive lower rates due to perceived stability. If you're married, ensure your status is up-to-date with your insurer.
Insurance Law
Compliance with insurance laws ensures you're not paying for unnecessary or insufficient coverage.
Read More: Washington, D.C., Car Insurance Calculator
Minimum Car Insurance in Washington, D.C.
In Washington, D.C., the average annual rate for minimum car insurance is $845, which is 42% higher than the national average of $595. Here's a look at DC's minimum coverage requirements:
Washington, D.C., Car Insurance Requirements
In Washington, D.C., drivers need minimum coverage auto insurance, which includes $25,000 for injuries per person, $50,000 per accident and $10,000 for property damage. You also need uninsured motorist coverage of $25,000 per person and $50,000 per accident, plus $5,000 for property damage.
Liability Limits | What It Covers |
|---|---|
$25,000 bodily injury liability per person | Medical expenses for injuries to one person in an accident you cause |
$50,000 bodily injury liability per accident | Medical expenses for all injuries in an accident you cause |
$10,000 property damage liability per accident | Damage to another person's property in an accident you cause |
$25,000 uninsured motorist bodily injury per person | Your medical expenses if an uninsured driver is at fault |
$50,000 uninsured motorist bodily injury per accident | Multiple injuries caused by an uninsured driver per accident |
$5,000 uninsured/underinsured property damage coverage | Property damage if an uninsured driver is at fault |
How to Lower Car Insurance Costs in Washington, D.C.
To save on car insurance, compare rates, raise your deductible and use eligible discounts.
- 1
Compare Multiple Quotes
Research multiple insurance providers to find affordable car insurance, potentially saving you hundreds of dollars annually.
- 2
Lower Your Risk Profile
Improve your credit score or maintain a driving record free from at-fault accidents and moving violations to lower your premium, as insurers view you as a lower risk.
- 3
Adjust Your Coverage
Reviewing your insurance needs ensures you're paying only for necessary coverage. Consider higher deductibles if you can afford it, or explore usage-based policies if you drive less.
- 4
Ask About Discounts
Seek discounts for safe driving, good grades or having anti-theft devices. Completing a state-approved defensive driving course or bundling policies can also cut your premiums.
- 5
Consider the Car You Drive
Opting for a car with good safety ratings or features typically reduces auto insurance costs.
Auto Insurance Rates in Washington, D.C.: Bottom Line
In Washington, D.C., full coverage car insurance averages $1,679 annually, higher than the national average. Factors like driving history, vehicle type and coverage level affect rates. Overall, D.C. ranks among the pricier areas for car insurance.
Washington, D.C., Car Insurance Rates: FAQ
Get answers about what impacts the average cost of car insurance in Washington, D.C., and how to find affordable rates.
What are the minimum car insurance requirements in Washington, D.C.?
The minimum car insurance requirements in Washington, D.C., are $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $10,000 for property damage. Drivers must also carry $25,000 for uninsured/underinsured motorist coverage per person and $50,000 per accident, with $5,000 for uninsured motorist property damage.
What is the average cost of full coverage and minimum coverage auto insurance in Washington, D.C.?
The average annual cost of full coverage auto insurance in Washington, D.C., is $1,679, while minimum coverage costs about $845. These rates are higher than the national averages.
What is the average cost of car insurance for a 25-year-old in Washington, D.C.?
The average annual cost of a full coverage auto insurance policy for a 25-year-old in Washington, D.C., is $2,038. For minimum coverage, it's $987.
What are the cheapest car insurance companies in Washington, D.C.?
Erie provides the most affordable car insurance in Washington, D.C., with full coverage at $1,168 per year ($97 per month) and minimum coverage at $597 per year ($50 per month).
Washington, D.C., Auto Insurance Cost: How We Determine Average Rates
Sample Driver Profile
We used a sample driver profile with the following attributes to determine average car insurance rates in Washington, D.C.:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified this driver profile by age, vehicle, credit score and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Unless otherwise noted, average rates on this page are for a full coverage policy with comprehensive and collision coverage, a $1,000 deductible for each, and the following liability limits (100/300/100):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following liability limits as mandated by Washington, D.C.:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $5,000 uninsured/underinsured property damage coverage
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.