Estimating the cost of car insurance in Washington, D.C., depends on factors such as age, driving record, ZIP code, and the vehicle you drive.
CarInsurance.com’s auto insurance rate calculator uses your basic details to estimate car insurance costs in Washington, D.C., for three different coverage levels: Full coverage, liability only (limits of 50/100/50) and state minimum coverage. Use the calculator below to find your average insurance rates.
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- Car insurance calculator is a valuable tool in estimating the cost of car insurance in Washington, D.C.
- The average annual cost of a full coverage policy in Washington, D.C., with liability limits of 100/300/100 is $2,157 or $180 per month.
- Minimum liability coverage in Washington, D.C., costs around $558 per year, based on CarInsurance.com’s data analysis.
Car insurance calculator Washington, D.C.: How to get auto insurance estimates
CarInsurance.com editors suggest getting quotes from at least three different insurers when shopping for a policy, either at renewal time – every six months – or annually.
Because each insurer uses its own rating system, they weigh factors like age and driving history differently. If you get a ticket, one insurer may increase your premium by 5%, while another could raise it by 20%.
What factors affect car insurance estimates in Washington, D.C.?
The biggest variation in insurance estimates from state to state depends on the state law. Tort insurance law varies from no-fault insurance law. Tort insurance law operates on the principle that the person responsible for causing an accident is liable for the damages. This often leads to litigation to determine fault and the extent of damage.
On the contrary, no-fault insurance laws, adopted in several U.S. states, simplify this process by mandating each party’s insurance company to cover their clients’ bodily injury losses, regardless of who caused the accident.
Learn about the 10 most important factors that affect car insurance rates
Calculate new car insurance rates in Washington, D.C., by car model
When you’re shopping for a new vehicle, get quotes for car insurance so you can factor that cost into your overall car budget. If you’re looking for an affordable policy, cars that are the cheapest to insure have smaller engines and more safety features. On the other hand, sports cars and luxury vehicles are pricier for car insurance.
| Vehicle type | Average annual rates |
|---|---|
| Convertible | $3,260 |
| Electric | $3,344 |
| Hatchback | $2,232 |
| Hybrid | $2,601 |
| Luxury Car | $3,391 |
| Luxury SUV | $2,934 |
| Minivan | $2,198 |
| Performance SUV | $3,486 |
| Sedan | $2,331 |
| Sports Car | $3,614 |
| Station Wagon | $2,743 |
| SUV | $2,194 |
| Truck | $2,411 |
| Van | $2,067 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
Find out your estimated car insurance rates in Washington, D.C., by using the calculator below based on your vehicle’s make and model.
Insurance rates by car model
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Washington, D.C., car insurance estimates for used cars
Car insurance estimates for used cars in Washington, D.C., are typically lower than new vehicles. Insurance rates can vary based on the car’s age, make, model and driving history. It’s important to compare quotes from multiple insurers to find the most affordable coverage for your used car in Washington, D.C.
Use the calculator below to determine your car insurance rates for used cars in Washington, D.C., depending on your vehicle’s make and model.
Average insurance rates for your used car
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FAQ: How to estimate car insurance rates before buying a car in Washington, D.C.
How much auto insurance do I need in Washington, D.C.?
The amount of car insurance you need depends on various factors, including your financial situation, the value of your vehicle, and your risk tolerance. If your car is leased or financed, your lender may require comprehensive and collision coverage when paired with liability, this is known as full coverage.
Each state has different minimum insurance requirements, including Washington, D.C. But keep in mind that minimums are merely that – and are rarely enough financial protection in the event of a serious car accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $25,000 per person, $50,000 per accident |
| Minimum property damage liability | $10,000 per accident |
How much does car insurance cost in Washington, D.C., per month?
The monthly cost of full coverage car insurance in Washington, D.C., including collision, comprehensive, and 100/300/100 liability, is $180. For state minimum liability, it’s $46 per month, while liability coverage with 50/100/50 limits costs $65 monthly.
Does your age impact how much you pay for insurance in Washington, D.C.?
In Washington, D.C., young drivers often pay higher car insurance premiums because they have less driving experience and are statistically more prone to accidents. Insurance providers take this data into account when determining the risk, which results in higher rates for younger drivers.
Young drivers are also more likely to participate in risky activities such as speeding and distracted driving, which affects car insurance premiums.
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CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.
We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.
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