Cheapest car insurance for high-risk drivers in Washington D.C.

Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Washington D.C. is Geico, followed by USAA and State Farm.

CompanyAvg Annual PremiumAvg Monthly Premium
Geico$2,173$181
USAA$2,205$184
State Farm$2,275$190
Progressive$2,493$208
Erie Insurance$2,557$213
Nationwide$4,362$363
Chubb Ltd$4,946$412
Allstate$5,483$457
Data updated in 2024
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Average rates for high-risk drivers in Washington D.C. by driving record

Average cost of car insurance in Washington D.C. for high-risk driver

Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.

Average annual car insurance rate for At-fault bodily injury accident in Washington D.C., DC is $2,810
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Company nameAverage annual premium
USAA$1,784
Geico$1,846
Erie Insurance$1,909
State Farm$2,115
Progressive$2,916
Chubb Ltd$3,424
Nationwide$3,431
Allstate$5,202
Data updated in 2024
Read our full methodology

Cheapest car insurance with a DUI

A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Washington D.C. for a driver with a DUI is Progressive with an average annual of $1,540 a year.

CompanyAvg Annual PremiumAvg Monthly Premium
Progressive$1,540$128
State Farm$1,951$163
Geico$2,063$172
USAA$2,145$179
Erie Insurance$2,251$188
Nationwide$4,481$373
Allstate$4,936$411
Chubb Ltd$5,633$469
Data updated in 2024
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Cheapest car insurance with multiple tickets

While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Washington D.C., the cheapest car insurance with multiple tickets is from Geico. It offers full coverage insurance at $1,494 per year or $125 monthly.

CompanyAvg Annual PremiumAvg Monthly Premium
Geico$1,494$125
USAA$1,737$145
Erie Insurance$1,909$159
State Farm$1,951$163
Progressive$2,138$178
Chubb Ltd$3,033$253
Nationwide$3,058$255
Allstate$4,691$391
Data updated in 2024
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Cheapest car insurance with a reckless driving conviction

Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Washington D.C., Erie Insurance offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,568 a year.

CompanyAvg Annual PremiumAvg Monthly Premium
Erie Insurance$1,568$131
USAA$1,580$132
State Farm$1,951$163
Geico$2,063$172
Progressive$2,072$173
Nationwide$4,481$373
Allstate$4,936$411
Chubb Ltd$5,633$469
Data updated in 2024
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Cheapest car insurance with bad credit

Although it’s not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Washington D.C. is Geico with an average annual cost of $1,991 or $166 per month.

CompanyAvg Annual PremiumAvg Monthly Premium
Geico$1,991$166
Progressive$2,232$186
USAA$2,518$210
Nationwide$3,467$289
Chubb Ltd$3,683$307
State Farm$3,731$311
Erie Insurance$3,976$331
Allstate$5,293$441
Data updated in 2024
Read our full methodology

Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.

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