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No. 5 most expensive: District of Columbia

Last updated: April 18, 2019

By , Insure.com

District of Columbia car insurance rates

Average annual rate: $1,876

Average annual rate for the top-selling vehicle in the country first quarter of 2019 F-150: $1,690

Average annual rate for the top-selling SUV in the country first quarter of 2019 Toyota RAV4 LE: $1,824

Average annual rate for the top-selling sedan in the country first quarter of 2019 Toyota Camry L: $2,023

The District of Columbia captured fifth place on the expensive list for car insurance, one place higher than last year. D.C. is up three percent from last year’s rates and is 29 percent more expensive than the 2019 national car insurance average ($1,457).

The dense population of D.C is one reason for higher than average premiums. D.C. covers a small area, just around 60 square miles, but has a population of over 700,000, thus making the population density over 11,000 people per square mile. That is a lot of people with a lot of cars.

A densely populated urban area breeds traffic and congestion. Crowded roadways lead to a higher rate of car collisions which leads to auto claims. The more claims paid out, the higher the risk the insurance company takes on to insure drivers, which results in high car insurance rates.

The best way to combat high rates is to shop around with at least three different companies and during the process ask about discounts you’re eligible to receive. Keeping a clean driving record and having no claims in the last three years will also help you obtain the best rates possible.

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