Car insurance rates in Washington D.C. are traditionally calculated based on a driver’s age, auto make and model, driving history and other personal information. However, for high-risk drivers in Washington D.C., car insurance rates may be higher due to their increased risk to an insurance company.

High-risk drivers include those who have two or more traffic violations, at-fault accidents, DUIs, poor credit scores or no prior car insurance coverage. 

We have created this guide to make your search for car insurance for high-risk drivers hassle-free. It provides details on how auto insurance rates change based on infractions like speeding tickets, at-fault accidents and DUI convictions. It also reveals the cheapest car insurance companies for high-risk drivers based on driving profiles in Washington D.C.. 

Who is a high-risk driver in Washington D.C.?

Drivers of all age groups, those with or without experience, can be categorized as high-risk drivers by car insurance companies in Washington D.C. if they have minor violations like speeding tickets or major violations like DUI convictions or lapses in insurance coverage.

Car insurance rates for high-risk drivers by driving profile in Washington D.C.

The experts at CarInsurance.com have analyzed the rates for high-risk drivers based on driving profile for drivers with – speeding tickets, DUI offenses and at-fault accidents.

Here’s how each of the violations affects car insurance rates in Washington D.C..

Speeding tickets

In Washington D.C., car insurance rates increase based on the speeding limits you violate. For example, a driver who drives 1-10 MPH over the speed limit will pay 15% more for auto insurance than before having a speeding ticket.

Washington D.C. drivers with speeding ticket violations for driving 11-29 mph over the limit pay 24% higher rates than drivers without speeding tickets. Whereas Washington D.C. drivers with speed violations of more than 30 mph will pay 35% higher rates than drivers without speeding tickets.

Find out how much car insurance rates increase after a speeding ticket violation in Washington D.C..

Violation Rates after speeding ticket Rates before speeding ticket $ Difference % Increase
Speeding ticket 1-10 MPH over limit $2,200 $1,909 $291 15%
Speeding ticket 11-29 MPH over limit $2,363 $1,909 $453 24%
Speeding 30+ over limit $2,583 $1,909 $674 35%

Learn more: How much your insurance goes up after a speeding ticket

Cheapest car insurance companies in Washington D.C. for drivers with speeding tickets

In Washington D.C., Erie offers the cheapest car insurance for drivers with speeding tickets at $1,568 annually. The car insurance rates offered by Erie increase by $70 after a speeding ticket violation.

Company Rates before speeding ticket Rates after speeding ticket $ Difference % Difference
Allstate $3,870 $4,498 $628 16%
Chubb $2,539 $2,745 $206 8%
Erie $1,498 $1,568 $70 5%
Geico $876 $1,588 $712 81%
Nationwide $2,419 $2,769 $350 14%
Progressive $1,229 $1,755 $526 43%
State Farm $1,787 $1,951 $164 9%
USAA $1,201 $1,483 $282 23%

DUI offense

If you are convicted of driving under the influence (DUI) or DWI (driving while intoxicated) or OUI (operating under the influence) in Washington D.C., you can expect your car insurance rates to increase by 60% on an average, according to 2023 CarInsurance.com data.

Violation Rates after a DUI Rates without a DUI $ Difference % Diffrence
DUI/DWI first offense $3,050 $1,909 $1,141 60%
DUI/DWI second offense $3,954 $1,909 $2,045 107%

Here’s how much your insurance goes up after a DUI

Cheapest car insurance companies in Washington D.C. for drivers with a DUI

Progressive offers the cheapest car insurance rates for drivers with a DUI at $1,540 per year, in Washington D.C.. The rate increases by $311 after getting a DUI offense on your driving history.

The second cheapest car insurance for high-risk drivers with DUI is offered by State Farm at $1,951 a year.

See below for the auto insurance premiums offered by companies in Washington D.C. for drivers with a DUI.

Company Rates before DUI offense Rates after 1st DUI offense Rates after 2nd DUI offense
Allstate $3,870 $4,936 $6,405
Chubb $2,539 $5,633 $7,077
Erie $1,498 $2,251 $2,935
Geico $876 $2,063 $2,638
Nationwide $2,419 $4,481 $6,203
Progressive $1,229 $1,540 $2,844
State Farm $1,787 $1,951 $1,951
USAA $1,201 $2,145 $2,308

At-fault accident

After an at-fault collision, your car insurance premiums could spike in Washington D.C. – unless you’ve added endorsements like accident forgiveness to your coverage.

According to a 2023 rate analysis by CarInsurance.com, on average, after an at-fault accident, car insurance rates increase by 46%.

However, there are states where car insurance companies provide coverage to the policyholder regardless of who was responsible for the collision or cover the medical expenses of the other driver. They are referred to as no-fault states and tort states.

Learn more: How much does car insurance go up after an accident?

Cheapest car insurance companies in Washington D.C. for drivers with at-fault accidents

If you are looking for the cheapest car insurance for drivers with an at-fault accident, Geico is your best bet. It offers insurance at $1,772 per year.

Company Rates before an at-fault accident Rates after an at-fault accident
Allstate $3,870 $5,292
Chubb $2,539 $3,532
Erie $1,498 $1,909
Geico $876 $1,772
Nationwide $2,419 $3,432
Progressive $1,229 $2,586
State Farm $1,787 $2,115
USAA $1,201 $1,797

Reckless driving

Reckless driving is a grave offense with serious consequences. Unlike other traffic violations, it is usually classified as a misdemeanor. It carries severe penalties such as hefty fines or even imprisonment, depending on the state laws, according to Findlaw, an online legal information resource.

Compare the car insurance rates for drivers with and without a reckless driving violation in Washington D.C..

Violation Rates after a reckless driving Rates before a reckless driving $ Difference % Increase
Reckless driving $2,958 $1,909 $1,049 55%

Cheapest car insurance companies in Washington D.C. for a reckless driving violation

Company Rates before a reckless driving violation Rates after a reckless driving violation
Allstate $3,870 $4,936
Chubb $2,539 $5,633
Erie $1,498 $1,568
Geico $876 $2,063
Nationwide $2,419 $4,481
Progressive $1,229 $2,072
State Farm $1,787 $1,951
USAA $1,201 $1,580

Cheapest car insurance options for high-risk drivers in Washington D.C.

Use the calculator below to see the cheapest companies for high-risk drivers in Washington D.C. by violation.

Average cost of car insurance in Washington D.C. for high-risk driver

Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.

Average Annual Car Insurance Rate for At-fault bodily injury accident in Washington D.C., DC is $2,807
Show Graph View
Company Name Insurance Rates
Geico $1,772
USAA $1,797
Erie $1,909
State Farm $2,115
Progressive $2,779
Nationwide $3,432
Chubb $3,532
Allstate $5,292

How to lower your car insurance rate if you are a high-risk driver

There are ways to lower car insurance rates even if you are a high-risk driver.

Resources & Methodology

Sources

Findlaw. “Reckless driving laws by state.” Accessed January 2023.

Methodology

Data is sourced from the Auto Problems Report 2022. Rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across around 1,500 ZIP codes with 5,000,736 records from 27 companies.

Note: In most states, USAA is the cheapest company for drivers with traffic violations, but it is only available to military members, veterans and their immediate families.

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Contributing Writer

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.