Cheap Auto Insurance Quotes in District of Columbia

Discover the best deals on car insurance in The Justitia Omnibus Region with Insureist™
Get your personalized car insurance quote in minutes
Compare Auto Insurance Quotes
  Fast, easy, secure
  Get a quote in minutes

District of Columbia Car Insurance Averages for Annual Premiums

$638
Minimum Coverage Average
$1810
Full Coverage Average
$1466
All Coverage Types Average

Save Big on District of Columbia Vehicle Insurance

District of Columbia seems to have it all. Even low car insurance premiums thanks to the help of Insureist™.

District of Columbia is home to 3000 miles of roadway.  Drivers in District of Columbia have 28.9 vehicles registered per 100 people living in the state.  With a total of 204000 vehicles registered, a solid vehicle insurance policy is critical for every District of Columbia driver.

 

Cheapest Car Insurance in District of Columbia

Getting cheap car insurance in District of Columbia doesn't necessarily mean getting a low quality policy.  Many insurance carriers offer discounts on your car insurance policy.  These discounts come from things like:

  • Adding multiple vehicles to a policy
  • Bundling home and auto insurance together
  • Paying for your policy upfront
  • Passing a defensive driving training course
  • Keeping your driving record in good standing
  • Updating your policy info on a regular basis
  • Checking your rates, deductible, and limits
  • Using an anti-theft security system on your car
  • Being careful with the type of vehicle your purchase

Make sure you ask the agent you speak with about what you can do to get District of Columbia affordable car insurance.  Get them to go through all of the auto insurance discounts they offer so you don't miss any.

 

Save $$$ On Your Auto Insurance
Let Insureist™ Put Money Back In Your Pocket
Get Your Quote In Minutes

Best Car Insurance in District of Columbia

The Insureist™ Data Science team ranks the best insurance companies in District of Columbia using multiple factors.  This includes areas such as financial health, reliability, quality, online reviews, and customer service.  Data is gathered from multiple credible sources that include:
  • Forbes
  • Consumer Reports
  • Standard & Poor’s
  • J.D. Power
  • Moody’s
  • A.M. Best

The best auto insurance companies in District of Columbia are determined based on these results.

Car Insurance in District of Columbia

District of Columbia Vehicle insurance pricing will be different from city to city.  The Insureist™ Data Science team analyzed each metro area in District of Columbia to give you an idea of the average insurance premium in each city.  DC insurance rates will vary depending on your driving record, personal history, and other information unique to your situation.

Save $$$ On Your Auto Insurance
Let Insureist™ Put Money Back In Your Pocket
Get Your Quote In Minutes

Types of District of Columbia Car Insurance Quotes

The cheapest insurance companies in District of Columbia will be different from person to person.  This is because everyone has a unique history when it comes to the factors that impact the rate you pay for insurance in District of Columbia. Average rates may vary depending on the profile and background of the policyholder depending on these and other factors:

  • Age
  • Vehicle make and model
  • Insurance claim history
  • Credit score
  • Driving record
  • Gender
  • Marital status
  • Legal liability requirements
  • Where you live
  • Miles driven each year

Cheap Auto Insurance for Good Drivers

Drivers who drive clean and traffic citations can have car insurance rates significantly lower in the state of District of Columbia.

Cheap Auto Insurance for Drivers with DUI

Everyone makes a mistake and has to deal with the consequences, but the consequences of a DUI can be severe. These penalties include fines into the thousands of dollars. Finding affordable rates for DC car insurance after a DUI is no small feat, but if you really have trouble getting an affordable rate, consider only liability insurance as a way to save.

Cheap Auto Insurance for Drivers with an At-Fault Accident

Even a tiny fender bender can lift interest rates to levels that will significantly alter your budget. Insurers look at different time frames to track your driving history, from the time of your accident to the date of your accident and even up to a few months later. One company could look at the last five years, while the other could look at the last three years and so on.

Cheap Auto Insurance for Speeding Drivers

Speeding tickets can directly impact the rate you pay for DC auto insurance.  Get enough of them and you can even lose your license.

Cheap Auto Insurance for Young Drivers

Inexperienced drivers pose a higher risk to insurance providers so their rates can be significantly higher than average drivers. Novice drivers should be especially careful to maintain a clean driving record and comply with all speed limits and other driving regulations. Some DC insurance companies can provide more favorable rates than others for younger drives. It's worth getting multiple quotes so you can save money on your monthly insurance premiums.

District of Columbia SR‌-22 Insurance

You will need to get SR‌-22 insurance in DC if it's ordered by the state or a court. If it's a court that orders it, then the judge will notify you of this at the hearing. If it's ordered by the state, then you will get a letter from the DM/BMV.

Not all drivers need an SR-22. It's generally only required if you are caught driving without a valid license or valid insurance. You may also need an SR-22 in these cases:

  • Convicted of a DUI or DWI
  • Operating a vehicle without insurance
  • Too many violations or accidents where you are at-fault
  • Multiple offenses in a short time frame (i.e. getting 4 speeding tickets within a few months)
  • Refusing to pay child support that is court-ordered
  • Having to obtain a hardship license

The SR-22 is not an insurance policy. It's a document that your insurance company in DC files with the state to prove you have adequate car insurance. This allows you to legally drive again if you are ordered to get an SR-22. Not all insurers offer SR-22s so you may need to shop around.

FAQs - District of Columbia Car Insurance & Driving Facts

Which car insurance is best in District of Columbia?

The best car insurance company in District of Columbia will vary depending on where you are located in the state and what type of coverage you need. It's a good idea to get a quote from multiple DC insurance companies to get the best deal for you. Here are the largest insurance companies in the US that you may consider starting with: State Farm, GEICO, Progressive Corporation, Allstate, USAA, Liberty Mutual, Farmers Insurance Group, Nationwide Mutual Insurance Company, American Family Insurance, The Travelers Companies. Please note that they may or may not provide specific kinds of coverage in your area.

How much car insurance do I need in District of Columbia?

The minimum auto insurance liability coverage required in the state of DC is 25/50/10. This means that you must by law have at least the following coverages: $25000 bodily injury coverage per person, $50000 bodily injury coverage per accident, $10000 property damage coverage per accident. While these are the legal minimums to drive in District of Columbia, many experts recommend that you get liability coverage of at least 100/300/50 if you can afford it. This means you should strongly consider: $100,000 bodily injury coverage per person, $300,000 bodily injury coverage per accident, $50,000 property damage coverage per accident. You may also consider getting additional DC auto insurance coverage depending on your financial situation.

How much does car insurance cost in District of Columbia?

The average annual cost of an auto insurance policy in District of Columbia is $1466. The average minimum coverage annual cost in District of Columbia is $638. The average full coverage annual cost in District of Columbia is $1810.

How does car insurance work in District of Columbia?

Car insurance pays for damage caused by the driver, but can also cover repairs and medical bills. Motorists buy policies from auto insurance companies that promise some coverage for different situations. There are different types of car insurance for drivers in different states, and there are many different levels of coverage available from different companies. Vehicle insurance is mandatory in 48 states, but the specific insurance requirements and costs vary from state to state for each driver.

What are the different types of car insurance in District of Columbia?

These are the 5 typical components of an auto insurance policy: Liability Coverage - Pays for injuries to people and damage to property caused by you in an accident; Uninsured and Underinsured Motorist Coverage - Pays your medical bills if you are in an accident and the other driver does not have an insurance policy or does not have a big enough one; Comprehensive Coverage - Pays for damage to your car from fire, hail, flood, falling objects, vandalism, hitting an animal, and theft of your car; Collision Coverage - Pays for the repair or replacement of your car after an accident; Medical Payments Coverage - Pays for covering the cost of medical expenses related to an accident.

Additional Insights

District of Columbia Map

District of Columbia

Vehicle Insurance

Washington, D.C., formally the District of Columbia and also known as D.C. or just Washington, is the capital city of the United States of America. It is located on the Potomac River bordering Maryland and Virginia, with Congress holding its first session there in 1800. The city was named for George Washington, the first president of the United States and a Founding Father, and the federal district is named after Columbia, a female personification of the nation. As the seat of the U.S. federal government and several international organizations, the city is an important world political capital. It is one of the most visited cities in the U.S., with over 20 million visitors in 2016.

The U.S. Constitution provided for a federal district under the exclusive jurisdiction of U.S. Congress; the district is therefore not a part of any U.S. state. The signing of the Residence Act on July 16, 1790, approved the creation of a capital district located along the Potomac River near the country's East Coast. The City of Washington was founded in 1791 to serve as the national capital. In 1801, the land, formerly part of Maryland and Virginia (including the settlements of Georgetown and Alexandria), officially became recognized as the federal district. In 1846, Congress returned the land originally ceded by Virginia, including the city of Alexandria; in 1871, it created a single municipal government for the remaining portion of the district.

The city is divided into quadrants centered on the Capitol Building, and there are as many as 131 neighborhoods. The estimated population of 705,749 as of July 2019, makes it the 20th-most populous city in the U.S. and gives it a population larger than that of two U.S. states.Commuters from the surrounding Maryland and Virginia suburbs raise the city's daytime population to more than one million during the workweek. Washington's metropolitan area, the country's sixth-largest (including parts of Maryland, Virginia and West Virginia), had a 2017 estimated population of 6.2 million residents.

The three branches of the U.S. federal government are centered in the district: Congress (legislative), the president (executive), and the Supreme Court (judicial). Washington is home to many national monuments and museums, primarily situated on or around the National Mall. The city hosts 177 foreign embassies as well as the headquarters of many international organizations, trade unions, non-profits, lobbying groups, and professional associations, including the World Bank Group, the International Monetary Fund, the Organization of American States, the AARP, the National Geographic Society, the Human Rights Campaign, the International Finance Corporation, and the American Red Cross.

A locally elected mayor and a 13-member council have governed the district since 1973. Congress maintains supreme authority over the city and may overturn local laws. D.C. residents elect a non-voting, at-large congressional delegate to the House of Representatives, but the district has no representation in the Senate. District voters choose three presidential electors in accordance with the Twenty-third Amendment to the United States Constitution, ratified in 1961.

Source

Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.

Source

Products & Services: insurance rates, car insurance quotes, home insurance, uninsured motorist, saved quote, savings on auto, mutual insurance company, roth ira, automobile insurance, insurance option, speeding ticket, accident medical, money market, personal loan, auto insurance requirements, auto insurance coverages, direct auto, driving history, specialty liability, homeowners insurance, insurance discounts, financial institutions, rental reimbursement, rv insurance, term life, mexico auto insurance, motorist coverage, insurance products, payment plans, teen drivers, bundle and save, uninsured motorist coverage, property damage, term life insurance, coverage car insurance, quote online, identity theft, rideshare insurance, claims center, car insurance, bodily injury liability, affordable car insurance, collision coverages, liability insurance, insurance company, injury protects, auto coverage, workers compensation, insurance quotes, vehicle insured, liability coverage, credit card, drive safe, collision insurance, car insurance companies, insurance quotes online, accident forgiveness, auto insurance quotes, motorcycle insurance, collision coverage, bank account, user id, auto insurance discounts,life insurance, car insurance coverages, mutual funds, golf cart, personal information, uninsuredunderinsured motorist, liability coverages, personal loans, questions about car insurance, classic cars, bodily injuries, commercial auto, save on auto, compare auto insurance, compare car insurance quotes, save money, car insurance rates, property insurance, insurance agency, auto repair, mutual insurance, credit score, compare auto insurance quotes, comprehensive insurance, comparing car insurance rate, business owners, classic car insurance, professional liability, driver discount, id cards, roadside assistance, insurance coverage, medical payments, insurance requirements, car insurers, local agents, life events, retirement planning, coverage options, travel insurance, renters insurance, auto insurance, mobile home, safe driving, mexico auto, atfault accident, compare car insurance, commercial auto insurance, compare auto, pay for damage

Tags: auto insurance quotes District of Columbia, car insurance rates District of Columbia, insurance coverage District of Columbia, insurance rates District of Columbia, car insurance quotes District of Columbia, insurance quotes District of Columbia, auto insurance District of Columbia, car insurers District of Columbia, cheap car insurance District of Columbia, car insurance coverages District of Columbia, commercial auto District of Columbia, roadside assistance District of Columbia, car insurance District of Columbia, compare car insurance District of Columbia, insurance company District of Columbia, insurance quoting District of Columbia

How Insureist™ Works For You
Get A Quote
1. Get A Quote
Discover the facts you need transparently and confidentiality.
Save When You Buy
2. Save When You Buy
Get clear answers so you know you made the right decision.
Sit Back & Relax
3. Sit Back & Relax
You'll get a dedicated agent that will work hard so you don't have to.
Save Money With Insureist™ - Its 100% Free
Its Time To Put Money Back In Your Pocket
Get Your Auto Insurance Quote Now

Car Insurance By State

Copyright © 2021. All Rights Reserved.
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram