- 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
Cheapest car insurance in Washington D.C. for a bad driving record
If you have a poor driving record in Washington D.C., Progressive, Erie Insurance, Geico are the cheapest options. Progressive has the lowest annual rate at $2,088.
Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay 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.?
A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Washington D.C., high-risk car insurance costs $3,456. However, you can get rates as low as $2,088 from Progressive.
Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.
Read on as we explain high-risk car insurance factors and rates below.
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 |
Cheapest car insurance in Washington D.C. with a DUI
While many insurers offer coverage after a DUI, Progressive provides the average cheapest coverage for $1,701.
A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you’ll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.
The table below compares average car insurance rates with a clean driving record and rates after a DUI in Washington D.C..
| 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
The cheapest insurer for drivers with multiple tickets is Erie Insurance, with rates averaging $1,658 or $138.
One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.
This table shows Washington D.C. drivers how much multiple tickets increase 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.
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.
The table below compares car insurance rates for drivers with a clean driving record and a reckless driving conviction.
| 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 or $254. Fortunately, drivers with bad credit can still find affordable auto insurance.
Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file 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 statistically, drivers with a low credit score fit that description.
Check out 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. Progressive also offers affordable rates, averaging $2,455.
Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.
This table compares rates for drivers with a clean driving 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
Washington has the cheapest car insurance rates in Washington D.C., averaging $3,456. However, the most expensive city is Washington, with average insurance rates of $3,456.
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.
| 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:
- 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.
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.
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