Washington, D.C. Car insurance calculator - Estimate costs in seconds

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Car insurance is essential in Washington, D.C., but finding the right plan at the right price isn’t always easy. That’s where our Washington, D.C. car insurance calculator can help.

Use our auto insurance calculator to see your estimated annual and monthly costs in Washington, D.C.. It factors in your vehicle’s make and model so you can make informed coverage decisions.

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

Our calculator makes it easy to get a quick, personalized car insurance estimate. Just follow these simple steps to see your potential rates – and compare options – without the guesswork.

Step 1: Choose the model year of your car.
Step 2: Choose the make and model of your car.
Step 3: Choose your state.
Step 4: Click on the “Get My Rates” button to get a car insurance estimate.
Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices.

Washington DC car insurance calculator

Tell us about your car to get an estimate.

Vehicle year

State

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Acura Integra

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 MinimumNA^*

Liability coverage$1,252/year

Full Coverage$3,115/year

Recommended

Note: 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 2021 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.

Data last refreshed in 2025

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

Your car’s make and model play a big role in determining insurance rates. Insurers account for multiple factors – including your vehicle’s make and model – to calculate premiums.

For example, insuring a Honda Accord LX around $2,869 per year for a full coverage policy. On the other hand, coverage for a Honda CR-V costs $2,416, a difference of $453.

How your car’s model year affects insurance rates in Washington, D.C.

In Washington, D.C., insurance premiums often change depending on the car’s model year. For instance, a 2023 Honda Accord LX costs an average of $4,685 year to insure, whereas the 2024 model costs $2,860 annually.

Know the minimum insurance you need in Washington, D.C.

Every state has specific car insurance requirements. In Washington, D.C., you must carry at least the minimum liability coverage to drive legally, which generally includes:

Bodily injury liability per person and per accident
Property damage liability

While these limits meet Washington, D.C.’s legal requirements, many drivers choose higher coverage for greater financial security after an accident. Failing to maintain the required insurance can lead to penalties such as fines, license suspension or vehicle impoundment.

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

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How your car’s trim affects insurance rates in Washington, D.C.

In Washington, D.C., insurance premiums vary depending on your vehicle’s trim. Higher trims with upgraded technology or more powerful engines are often more expensive to insure because of their costly replacement and repair costs.

For instance, full coverage car insurance for a 2023 Honda Accord LX in Washington, D.C. costs $4,685 per year. On the other hand, the Honda Accord EX-L trim costs $3,975 annually to insure – a difference of $710.

Luxury features such as premium audio systems can increase a vehicle’s value, leading to higher premiums. Similarly, performance trims with larger engines may raise insurance premiums due to the higher risk of accidents or speeding.

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What drivers pay for car insurance in Washington, D.C.

In Washington, D.C., the average cost of full coverage car insurance is $3,394 per year, or $283 per month. Your rate may be higher or lower depending on the coverage you choose.

Below, you’ll find estimates for different coverage levels in Washington, D.C., but keep in mind that factors like your vehicle, driving history, and other personal details can affect your final premium.

Coverage level	Average annual rate	Average monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll	$3,394	$283
Liability Only – 50/100/50 BI/PD	$1,125	$94
State Minimum BI/PD	$896	$75
Non-Owners	$621	$52

Want to know what you’ll pay? Try our Washington, D.C. car insurance calculator

Our Washington, D.C. car insurance calculator estimates your rate based on your location, vehicle make, and model year. Just enter a few details for a personalized estimate, then compare quotes from multiple insurers to find the best fit.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

On this page

How to use our car insurance calculator to estimate your rates in Washington, D.C.
Does your vehicle model affect car insurance rates in Washington, D.C.?
How your car's model year affects insurance rates in Washington, D.C.
How your car's trim affects insurance rates in Washington, D.C.
What drivers pay for car insurance in Washington, D.C.
Want to know what you'll pay? Try our Washington, D.C. car insurance calculator

Washington D.C. car insurance calculator