Washington Auto Insurance Rates, Quotes, Agents & Reviews in DC

Washington, DC Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Washington, DC, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Compare Quotes from Top Providers and Save now!

Factors that can influence the cost of car insurance in Washington, DC are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Washington, DC Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Washington, DC with that of other cities in and around Washington.

Washington Cottage City Arlington Colmar Manor Brentwood Chillum
Average Insurance Rates $1,653 $1,350 $1,096 $1,339 $1,367 $1,365

Washington, DC Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Washington, DC based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Washington $1,545 $1,305
Mount Rainier $1,739 $1,469
Brentwood $1,785 $1,508
Cottage City $1,166 $985
Colmar Manor $2,058 $1,738
North Brentwood $1,427 $1,205
Chillum $1,782 $1,505
Arlington $2,045 $1,727

Washington, DC Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Washington, DC usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,364
20 Years $2,124
30 Years $1,636
40 Years $1,574
50 Years $1,458
60 Years $1,478
70 Years $1,720

Washington, DC Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Washington, DC can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,843 $463
3 Vehicles $4,265 $694
4 Vehicles $5,686 $926

Savings on 2 Vehicles bundle:$463

Savings on 3 Vehicles bundle:$694

Savings on 4 Vehicles bundle:$926


Washington, DC Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Washington, DC.

Location Average Insurance Cost Post DUI Insurance Rate
Washington $1,653 $2,783
Mount Rainier $1,386 $2,210
Brentwood $1,367 $2,179
Cottage City $1,350 $2,152
Colmar Manor $1,339 $2,135
North Brentwood $1,367 $2,179
Chillum $1,365 $2,176
Arlington $1,096 $1,789

Washington, DC Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,418
Excellent (740-799) $1,619
Good (670-739) $1,722
Average (580-669) $2,247
Poor (300-579) $2,696

Washington, DC Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$73 $1,726
Driver's Failure In Showing Documents +$160 $1,813
Driving With An Expired Registration +$170 $1,823
Driving At A Considerably Slow Pace +$359 $2,012
Using A Cellphone While Driving +$379 $2,032
Running A Red Light +$385 $2,038
Speeding +$405 $2,058
Driving A Vehicle Without The Required Permission +$514 $2,167
Driving With An Expired/Suspended License +$1,114 $2,767

Washington, DC Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,587
Active Disabling Device $1,587
Tracking Device $1,554
Passive Disabling Device $1,537