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

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
Show Graph View
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

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

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

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

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 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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