Car insurance calculator for teens in Washington DC

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Car insurance for teens in Washington, D.C. is more expensive than it is for older drivers, but costs depend on several factors, including age, gender, coverage limits, and the insurer you choose. Knowing the averages in your state can help you budget, compare quotes, and find the best option for your family.

Use our calculator to estimate what car insurance might cost for your teen in Washington, D.C.. Having a ballpark figure makes it easier to budget, compare quotes, and choose the coverage that works best for your family.

Car insurance calculator for state teens

State

Washington, D.C.

AlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington, D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming

Gender

Male

Male Female Non-binary

Age

16

16171819

Coverage level Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle.

Full coverage

Full coverage State minimum liability Liability only

Filter

Average annual rates for state teen drivers

$7,553 Average rate

$9,930 Highest
rate

$4,396 Lowest
rate

Most expensive companies for auto insurance in ()

Company	Average annual rate
State Farm	$9,930
Chubb	$9,738
Nationwide	$7,961

Least expensive companies for auto insurance in ()

Company	Average annual rate
Erie Insurance	$4,396
USAA	$6,303
GEICO	$6,988

Average car insurance costs for teens in Washington, D.C.

On average, teen drivers in Washington, D.C. pay $5,799 per year for coverage with limits of 100/300/100 – that’s $100,000 for one person’s injuries, $300,000 for all injuries in a single accident, and $100,000 for property damage – plus $500 deductibles for collision and comprehensive.

Teens face higher premiums than young adults or older drivers because they lack experience. Insurers see them as higher risk, which makes coverage more expensive.

Costs also vary depending on the coverage you choose, the type of car your teen drives, and your ZIP code. Families in Washington, D.C. can often save by using good student discounts, enrolling teens in driver training programs, or adding them to an existing family policy instead of buying separate coverage.

Teen car insurance rates in Washington, D.C., broken down by age

Car insurance costs for teens in Washington, D.C. vary depending on age. For instance, a full coverage car insurance policy for a 16-year-old in Washington, D.C. costs $6,641 per year. Once teens reach 19, the average cost falls to $4,899 annually.

Although these premiums are still much higher than those for adult drivers, the steady decline shows that coverage becomes more affordable as teens gain more experience driving.

Below you’ll find car insurance rates for teen drivers by age in Washington, D.C..

Average teen car insurance costs in Washington, D.C., by gender

In most states, car insurance rates differ by gender, though California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania prohibit the practice. In Washington, D.C., a 16-year-old male pays about $7,553 per year, compared to $5,729 for a female of the same age – a difference of $1,824.

According to the most recent data from the Insurance Institute for Highway Safety, a total of 3,048 teenagers ages 13-19 lost their lives in motor vehicle crashes in 2023, with two of every three teenagers who died in crashes in 2023 being males.

These crash trends help explain why teen boys usually face higher insurance costs than girls. Because young men are more likely to be in serious accidents, insurers factor that added risk into their rates.

The table below shows car insurance rates for teens by gender in Washington, D.C..

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

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

Cheapest car insurance companies for teen drivers in Washington, D.C.

Car insurance for teen drivers is expensive, but some insurers offer more affordable rates than others, which is why comparing quotes from multiple insurers is the best way to find the cheapest coverage for your teen.

In Washington, D.C., Erie Insurance offers the lowest rates for drivers ages 16-19, averaging $3,212 per year for full coverage with 100/300/100 limits and $500 deductibles for collision and comprehensive.

The second-cheapest option for teen drivers in Washington, D.C. is GEICO, with an average annual premium of $4,991.

The table below highlights the cheapest car insurance companies for teens in Washington, D.C..

Minimum coverage requirements for teens in Washington, D.C.

In Washington, D.C., teen drivers must meet the same minimum liability requirements as adults:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $10,000 for property damage liability

These limits are designed as a baseline, but they may not be enough to cover serious accidents. Many families choose higher limits for more protection when adding a teen driver.

If the car is financed or leased, comprehensive and collision coverage are also required. These cover damage to your own car from accidents, theft, or weather.

Smart ways to save on car insurance for your teen

There’s no avoiding the fact that insuring a teen driver costs more, but you can take steps to manage the expense while keeping them safe on the road:

• Check state averages. Knowing what families typically pay in your state gives you a ballpark figure to budget and compare against quotes.
• Choose the right car. A safe, reliable sedan is far cheaper to insure than a luxury or sports car.
• Consider full coverage. Liability is cheaper, but full coverage offers better protection against accidents, injuries, and costly repairs.
• Ask about discounts. Many insurers reward good grades, defensive driving courses, or low mileage with lower rates.
• Talk with your teen. Driving isn’t just freedom – it’s responsibility. Open conversations about risks and safety can encourage habits that save lives.
• Review your rates each year. Premiums usually drop as your teen gains experience and keeps a clean record, so it’s worth checking annually.

Helping your teen start off safely on the road

Adding a teen to your policy will raise your rates at first, but those costs don’t stay high forever. With each year of safe driving, premiums generally go down.

You can lower expenses by comparing quotes, bundling policies, and asking about discounts. More importantly, insuring your teen isn’t just about following state rules – it’s about protecting your finances and giving your young driver a safe, confident start on the road.

Methodology

Insure.com analyzed rates collected from Quadrant Information Services for teen male and female drivers aged 16-19 for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

To evaluate the premiums, our data experts compared rates 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes. The rates are for comparison purposes only; your exact rates may vary.

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.

You might find interesting

Explore related topics

• Cheapest SR-22 insurance in Washington D.C.
• Do you need insurance to register a car in Washington, D.C.?
• Low-cost car insurance in Washington DC
• The best and cheapest car insurance in Washington, D.C.
• Washington D.C. car insurance calculator