Washington D.C. car insurance calculator

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If you’re driving in Washington, D.C., it’s important to know how crucial it is to have car insurance that meets the state’s minimum requirements. But finding the right coverage that also fits your budget can be a bit tricky. That’s where our Washington, D.C. car insurance calculator comes in handy.

Use our car insurance calculator to figure out how much you might pay each year and month for auto insurance in Washington, D.C.. Just enter your car’s make and model, and it’ll help you make smart choices about your coverage.

Washington D.C. car insurance calculator

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*It is recommended that you should get full coverage car insurance for vehicles 2020 or newer.

Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. 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 six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

How much is vehicle model important in calculating car insurance in Washington, D.C.

In Washington, D.C., the type and model of your car can really affect how much you pay for car insurance. Insurers look at things like your car’s make and model to decide on the cost of premiums.

For example, the yearly car insurance cost for a full coverage policy on a 2022 Acura ILX 2.4L is $2,118, while the average insurance premiums for a Toyota 4Runner Limited in Washington, D.C. are $2,091 annually. That’s a difference of $27 less compared to the Acura ILX 2.4L.

How insurers calculate car insurance in Washington, D.C. using car model year

In Washington, D.C. and lots of other places, how old your car is can change how much you pay for insurance. For example, if you have a 2021 Chevrolet Blazer 2LT, you might pay about $1,671 a year for insurance. But if it’s a 2022 Chevrolet Blazer 2LT, the yearly insurance rate could be $2,048.

Does the cost of car insurance in Washington, D.C. decrease as a vehicle gets older?

In Washington, D.C., insurance for older cars is often less expensive. When a car gets older, it loses value (that’s called depreciation). Since insurance is there to help with repair or replacement costs, the insurance company doesn’t have to pay as much for an older car. So, if your car is older in Washington, D.C., your insurance bill is usually lower.

If you’re driving a 2020 Honda Accord LX in Washington, D.C., your monthly full coverage insurance is usually $170. Now, if you have the 2022 Honda Accord LX, your monthly insurance goes up to $168, which is $2 less than the 2020 model.

Older vehicles are generally less appealing to thieves than newer, fancier ones. This lower risk of theft can also result in lower insurance costs for you.

Car insurance cost estimate in Washington, D.C.

The typical cost for car insurance in Washington, D.C. is around $1,858 annually or $155 per month. However, your actual premium might differ depending on the coverage you select. Here’s an estimate of car insurance expenses in Washington, D.C. for various coverage levels.

50/100/50 Liability Only	Full Coverage	Non-Owner State Minimum Liability Only	State Minimum Liability Only
$663	$1,858	$470	$577

The bottom line: Washington, D.C. car insurance calculator

The car insurance calculator for Washington, D.C. calculates your rates using details like where you live and the year, make, and model of your vehicle. Simply input your information, and the calculator will give you estimated quotes. Keep in mind that rates can differ, so it’s a good idea to get quotes from different insurers to find the best deal that suits your needs.