Washington D.C. car insurance calculator

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Car insurance costs in Washington, D.C. depend on more than just your zip code. Your vehicle, coverage level, and driving history all play a role – and the difference between the cheapest and most expensive options can be hundreds of dollars a year. Enter a few details below to get a quick estimate and see what you might actually pay.

How to use our car insurance calculator to estimate your rates in Washington, D.C.

Getting your estimate takes less than a minute. Here’s how:

1. Choose the model year of your car
2. Choose the make and model
3. Select Washington, D.C. as your state
4. Click ‘Get My Rates’ to see your estimate
5. Add more vehicles to expand your options, or click ‘Get quotes’ to compare live policies and prices

Washington DC car insurance calculator

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Acura Integra

Washington D.C.

Vehicle details

Vehicle year 2024

Style 2WD 4 Door Hatchback Automatic Turbo

State Washington D.C.

Cylinders 4

Make & model Acura - Integra

Vehicle type Luxury Car

Your estimated rate

State Minimum$844/year

Liability coverage$1,192/year

Full Coverage$3,347/year

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A good driver means:

• Have no accidents or violations in the last 3 years.
• Don't have a DUI.
• Don't need an SR22.

Number of vehicles

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Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit.

For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations.

Average rates are for comparative purposes; your rate will depend on your personal factors.

Does your vehicle model affect car insurance rates in Washington, D.C.?

Your car’s make and model can play a major role in determining insurance rates. The make is the brand, and the model is the specific vehicle. For instance, Honda is the make and Accord is the model.

Insurers base pricing on repair and replacement costs, how often the model is involved in claims, and theft frequency. Two vehicles with similar prices can still have very different premiums.

For example, full coverage for a Honda Accord LX costs $3,609 per year in Washington, D.C., while the average premium for a Honda CR-V is $2,946 – a difference of $663.

Does your car’s model year affect insurance rates in Washington, D.C.?

Newer cars generally cost more to insure because they are more expensive to repair or replace.

In Washington, D.C., insuring a 2024 Honda Accord LX costs $3,452, while the 2025 version costs $3,565.

However, older vehicles aren’t always cheaper – lack of safety features or costly parts can keep premiums high.

Our agents make it hassle-free to get the right quote.

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How does your car’s trim affect insurance rates in Washington, D.C.?

Insurance rates often vary based on your car’s trim. Trim is a version of a vehicle model with different features, equipment, or engine options, such as LX, EX, or Sport.

For example, in Washington, D.C., full coverage for a 2024 Honda Accord LX costs $3,452 annually, while the Accord EX-L trim costs $3,509 – a difference of $57.

Premium features like advanced infotainment or high-end audio systems can increase rates by raising the vehicle’s value. Performance trims may also cost more due to higher accident risk.

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How much does car insurance cost in Washington, D.C.?

The average cost of full coverage car insurance in Washington, D.C. is $3,465 per year, or $289 per month. While this is a helpful benchmark, your actual premium may differ depending on your car, coverage and personal profile.

Estimate your Washington, D.C. car insurance cost with our calculator

Our Washington, D.C. car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate.

Alisha Ambre

 

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Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.