- Cheapest car insurance in Washington, D.C. for a bad driving record
- How much is high-risk car insurance in Washington, D.C.?
- Cheapest car insurance in Washington, D.C. with a DUI
- Cheapest car insurance in Washington, D.C. with multiple tickets
- Cheapest car insurance in Washington, D.C. with a reckless driving conviction
- Cheapest car insurance in Washington, D.C. with bad credit
- Cheapest car insurance after an accident in Washington, D.C.
- Cheapest car insurance in Washington, D.C. by city
- How to reduce car insurance rates in Washington, D.C. for a bad driving record
- Washington, D.C. car insurance laws for high-risk drivers
- Methodology
- Compare Washington, D.C. high-risk driver car insurance rates with other states
Cheapest car insurance in Washington, D.C. for a bad driving record
Drivers with a poor record in Washington, D.C. will find the lowest rates from Progressive, Erie Insurance and GEICO. Among these, Progressive provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $2,088 annually.
If you have accidents, DUIs or traffic tickets on your driving record, youâ??ll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain on your record for life.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Progressive | $1,488 | $2,088 |
| Erie Insurance | $1,581 | $2,203 |
| GEICO | $1,408 | $3,129 |
| Chubb | $2,799 | $4,454 |
| State Farm | $2,426 | $4,529 |
| Allstate | $3,769 | $4,816 |
| USAA | $1,230 | $1,832 |
How much is high-risk car insurance in Washington, D.C.?
In Washington, D.C., the average cost of high-risk car insurance is $3,456 per year. However, you may secure coverage from Progressive for as low as $2,088 annually. Even with a problematic driving record or poor credit score, affordable policies are available.
Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets or getting one for speeding in a school zone will boost your rates more than a single basic speeding ticket.
Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| USAA | $1,230 | $1,849 |
| Erie Insurance | $1,581 | $2,024 |
| Progressive | $1,488 | $2,543 |
| State Farm | $2,426 | $2,828 |
| GEICO | $1,408 | $2,864 |
| Chubb | $2,799 | $3,945 |
| Allstate | $3,769 | $5,117 |
PEOPLE ASK:
Who is considered high-risk for insurance in Washington, D.C.?
Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.
Cheapest car insurance in Washington, D.C. with a DUI
Although many insurance companies provide coverage after a DUI, Progressive offers the most affordable rate at $1,701 a year.
Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.
The table below compares average car insurance premiums in Washington, D.C. for drivers with a clean record versus those with a DUI.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| Progressive | $1,488 | $1,701 |
| Erie Insurance | $1,581 | $2,392 |
| State Farm | $2,426 | $2,608 |
| GEICO | $1,408 | $3,409 |
| Allstate | $3,769 | $4,778 |
| Chubb | $2,799 | $6,388 |
| USAA | $1,230 | $2,216 |
Cheapest car insurance in Washington, D.C. with multiple tickets
For drivers with multiple tickets, Erie Insurance offers the lowest premiums, averaging $1,658 per year or $138 per month.
A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.
This table shows drivers in Washington, D.C. how much having multiple tickets can raise their insurance premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| Erie Insurance | $1,581 | $1,658 |
| Progressive | $1,488 | $1,900 |
| State Farm | $2,426 | $2,608 |
| GEICO | $1,408 | $2,891 |
| Chubb | $2,799 | $3,181 |
| Allstate | $3,769 | $4,353 |
| USAA | $1,230 | $1,521 |
Cheapest car insurance in Washington, D.C. with a reckless driving conviction
Erie Insurance offers the cheapest rates for drivers with reckless driving convictions at $1,658 per year.
A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.
You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| Erie Insurance | $1,581 | $1,658 |
| Progressive | $1,488 | $2,079 |
| State Farm | $2,426 | $2,608 |
| GEICO | $1,408 | $3,409 |
| Allstate | $3,769 | $4,778 |
| Chubb | $2,799 | $6,723 |
| USAA | $1,230 | $1,627 |
Cheapest car insurance in Washington, D.C. with bad credit
The cheapest Washington, D.C. insurer for bad credit is Progressive, with rates averaging $3,049 per year or $254 per month. The good news is that drivers with bad credit can still get affordable auto insurance.
Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.
Check the table below to see how your credit score affects Washington, D.C. car insurance.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| Progressive | $1,488 | $3,049 |
| GEICO | $1,408 | $3,281 |
| Chubb | $2,799 | $4,066 |
| Erie Insurance | $1,581 | $4,201 |
| Allstate | $3,769 | $6,283 |
| State Farm | $2,426 | $14,129 |
| USAA | $1,230 | $2,590 |
Cheapest car insurance after an accident in Washington, D.C.
Erie Insurance has the lowest average rates after an accident at $2,024 a year. Progressive also offers affordable rates, averaging $2,455 per year.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| Erie Insurance | $1,581 | $2,024 | $2,392 |
| Progressive | $1,488 | $2,455 | $3,416 |
| State Farm | $2,426 | $2,828 | $2,828 |
| GEICO | $1,408 | $2,864 | $4,494 |
| Chubb | $2,799 | $3,945 | $5,204 |
| Allstate | $3,769 | $5,117 | $6,437 |
| USAA | $1,230 | $1,849 | $3,036 |
Cheapest car insurance in Washington, D.C. by city
In Washington, D.C., the lowest car insurance rates are found in Washington, averaging $3,456 annually. On the other hand, Washington has the highest rates at $3,456 a year.
Where you live in Washington, D.C. matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood of claims.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Washington | $2,157 | $3,456 |
| Washington Navy Yard | $2,157 | $3,456 |
How to reduce car insurance rates in Washington, D.C. for a bad driving record
Finding affordable car insurance in Washington, D.C. is possible, even with a bad driving record. Ways to lower car insurance rates include:
Where you live in Washington, D.C. also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
PEOPLE ASK:
How long are you considered a high-risk driver in Washington, D.C.?
Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.
Washington, D.C. car insurance laws for high-risk drivers
If you're a high-risk driver in Washington, D.C., you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.
An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.
Methodology
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- A 40-year-old driver
- A clean record
- Good credit
- State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage
Best company rankings use the rate data outline above, as well as:
- Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
- Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
- AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
Compare Washington, D.C. high-risk driver car insurance rates with other states
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