Car insurance companies charge more to insure drivers who are at a higher risk of filing a claim. The most common red flags for insurers are serious driving violations like reckless driving or a DUI, multiple tickets or accidents and even bad credit.
The average rate for high-risk car insurance in Washington D.C. is $2,173. High-risk drivers in Washington D.C. can expect to pay between $2,485 and $3,954 for car insurance depending on the reason for the rate increase.
The cheapest insurance in Washington D.C. for high-risk drivers is, on average, Geico, however, it will vary based on your exact situation.
If you’re a high-risk driver, finding cheap car insurance in Washington D.C. will be more of a challenge. We’ve compared auto insurance rates for high-risk drivers from top companies to help you save.
Key takeaways
- The average cost of high-risk car insurance in Washington D.C. is $2,173, but it varies depending on what’s on your record.
- The average car insurance rate for a driver with a DUI in Washington D.C. is $1,540, while a driver with a reckless driving conviction pays $1,568 on average.
- Bad credit can also land you in the high-risk category, with an average rate of $1,991 in Washington D.C..
- Cheapest car insurance for high-risk drivers in Washington D.C.
- Average rates for high-risk drivers in Washington D.C. by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
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.
| Company | Avg Annual Premium | Avg 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 |
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.
| Company name | Average annual premium |
|---|
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.
| Company | Avg Annual Premium | Avg 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 |
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.
| Company | Avg Annual Premium | Avg 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 |
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.
| Company | Avg Annual Premium | Avg 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 |
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.
| Company | Avg Annual Premium | Avg 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 |
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.
