Washington, D.C. Car Insurance for High Risk Drivers (With Quotes)
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Written byA.M. Steinbach
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Full-time writer for 5+ years
Two-time Emmy Award nominee
A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.
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Edited byJohn Leach
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John LeachSenior Insurance Copy Editor
Licensed property and casualty insurance agent
8+ years editing experience
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Reviewed byAmber Benka
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Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.
Updated March 9, 2022
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Table of contents
Cheapest Insurance Companies for High Risk Drivers in Washington, D.C. (2022)
For drivers that are high-risk in Washington, D.C., it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Washington, D.C.. The following are the best insurance rates from carriers that offer car insurance for high-risk drivers in Washington, D.C..
Carrier ▲▼ | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. ▲▼ |
|---|---|
| Travelers | $164 |
| Liberty Mutual | $232 |
| Nationwide | $244 |
| American Family Insurance | $320 |
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What Makes a Driver High-Risk in Washington, D.C.?
When you buy a car insurance policy, the company you're working with will inevitably take a look at your driving record. That's because they want to know how likely you are to file a claim in the future. For instance, if you have several at-fault accidents on your record, they'll consider you a high-risk driver—and most likely expect you to pay more for car insurance.
In the nation's capital, there are many ways you can earn yourself high-risk status. These include, but are not limited to, speeding, reckless driving, at-fault accidents, and DUIs. But be aware that even if you do fall into the high-risk category, you won't necessarily have to pay high rates. You might just have to do a bit more research to find a policy catered to high-risk drivers.
Washington, D.C. Car Insurance Rates for High-Risk Drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does High-Risk Driving Affect Car Insurance Rates in Washington, D.C.?
No one wants a high-risk driving charge on their record, but it can happen to any driver at any time. Even changing lanes in a risky, dangerous way can earn you a reckless driving charge that stays on your record for years.
And unfortunately, drivers with such a charge on their record will likely have to pay more for car insurance. For instance, Washington, D.C., drivers with a reckless driving charge can see their rates go up by a whopping 30 percent. Here is how some high-risk driving charges can affect your car insurance rates in the nation's capital:
Driving History ▲▼ | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. ▲▼ |
|---|---|
| No Violation | $202 |
| Speeding Ticket | $241 |
| At-Fault Accident | $238 |
| Reckless Driving | $263 |
| Failure to Stop | $277 |
How Much Does a Speeding Ticket Impact Car Insurance Rates in Washington, D.C.?
When you speed on the roads of the nation's capital, you might end up facing a car insurance rate increase of nearly $40—which adds up to nearly $500 over a year. Here are some typical rates you can expect to see if you have a speeding ticket on your record in D.C.:
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How Does an at-Fault Accident Impact Insurance Rates in Washington, D.C.?
If you find yourself at fault in an accident in Washington, D.C., you should probably prepare for some financial consequences. On average, D.C. drivers see a $36 per month increase in their car insurance after an at-fault accident, which is over $432 per year. The table below outlines the financial impact of an accident in Washington, D.C.:
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Washington, D.C.?
All it takes is one careless moment for you to run through a red light or stop sign. But that one little mistake could lead to a car insurance rate increase of $75 per month in D.C. While you may have to deal with higher rates after this mistake, you can still find an affordable policy if you do your research. Here are typical rates for Washington, D.C., drivers with this kind of offense on their record:
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Does Driving With a Suspended License Impact Car Insurance Rates in Washington, D.C.?
When you buy a car insurance policy, the company you're working with will inevitably take a look at your driving record. That's because they want to know how likely you are to file a claim in the future. For instance, if you have several at-fault accidents on your record, they'll consider you a high-risk driver—and most likely expect you to pay more for car insurance.
In the nation's capital, there are many ways you can earn yourself high-risk status. These include, but are not limited to, speeding, reckless driving, at-fault accidents, and DUIs. But be aware that even if you do fall into the high-risk category, you won't necessarily have to pay high rates. You might just have to do a bit more research to find a policy catered to high-risk drivers.
Tips for Researching High-Risk Washington, D.C. Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a large and growing state like Washington, D.C. draws a wide variety of choices when factoring high-risk driving insurance rates.
Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
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Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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A.M. SteinbachInsurance Writer
A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.
John LeachSenior Insurance Copy Editor
Licensed property and casualty insurance agent
8+ years editing experience
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.
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