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Get Cheap Car Insurance in Adams Morgan, Washington, DC

We monitor insurance prices, helping the average driver in Adams Morgan save up to 38.3% on car insurance.

 

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The Cheapest Minimum Coverage in Adams Morgan

The chart below shows the cheapest car insurance company in Adams Morgan for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Travelers, followed by Erie Insurance, State Farm, and Midvale Home & Auto.

 
Adams Morgan Insurer Monthly Cost
Travelers $71
Erie Insurance $74
State Farm $86
Midvale Home & Auto $92

Savings for Every Kind of Adams Morgan Driver

The table shows how much the average auto insurance customer in Adams Morgan might save by following our recommendations.

Based on our extensive insurance data, we know the average Adams Morgan driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $566 per year by choosing the right vehicle insurance company. Some Adams Morgan residents are paying out over $2,289 extra every year for auto insurance in Adams Morgan. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Adams Morgan, Washington, DC Savings / Yr.
Drivers with good records
$566
Drivers with accidents
$902
Drivers with speeding tickets
$584
Drivers with a DUI conviction
$1,367
Young drivers
$2,902
Married drivers
$537
Drivers with bad credit
$513

Adams Morgan Car Insurance vs. Washington

People living in Adams Morgan pay an average of 18.22% more than the typical driver in the state. The average driver in Adams Morgan can expect to pay about $1,203 per year, or $2,289 for full coverage.

Based on our analysis, Travelers will be the cheapest provider in Adams Morgan for most people.

Car Insurance Prices by Adams Morgan Neighborhood

Adams Morgan, Washington, DC map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Adams Morgan?

The map shows insurance prices in and around Adams Morgan, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $418 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,495 to a low of $2,077. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the South parts of Adams Morgan.

Pick the Best Car Insurance Company for You in Adams Morgan

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Adams Morgan insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Adams Morgan

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $566 over the average Adams Morgan car insurance company.

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We use the average good driver, paying $144 per month, as our baseline for pricing in Adams Morgan. State Farm, Travelers, and Erie Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Adams Morgan drivers with accidents on their records

In Adams Morgan getting into an accident will raise premiums an average 25% for a yearly cost of $3,038. That's $749 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Erie Insurance are good choices for drivers with accidents.

In our analysis, Travelers saved the average person who had been in an accident the most, with annual savings averaging $902 over the competition.

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The best car insurance company for Adams Morgan drivers with speeding tickets

>Erie Insurance gave the average person with a speeding ticket the most savings, averaging $584 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Adams Morgan, tickets raise premiums on new quotes about $226. If you have a speeding ticket, we recommend State Farm, Travelers, and Erie Insurance for savings that beat the average insurance cost of $2,514 per year.

The best auto insurance for Adams Morgan drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,570 per year in auto insurance premiums, which was $1,281 more than a driver with no major issues. Travelers, Erie Insurance, and Midvale Home & Auto penalized their customers the least for a DUI.

Getting a quote from Travelers may cost the average person with a DUI about $1,367 less each year.

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The least expensive car insurance company for new and young drivers in Adams Morgan

In Adams Morgan, Erie Insurance costs young drivers $2,902 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 72% more for insurance than more mature drivers in Adams Morgan. With an average cost of $8,125 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Erie Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Adams Morgan

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $59. State Farm, Progressive, and Erie Insurance provided the largest discounts to couples living in Adams Morgan.

State Farm gave the largest car insurance discounts to married couples, averaging $537 saved each year compared to an average Adams Morgan couple's premiums.

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The cheapest car insurance in Adams Morgan for drivers with bad credit

People with poor credit saved an average of $513 with Travelers.

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Many people are surprised that their poor credit score can cost them an average of $1,244 every year. Premiums for people with poor credit were about $3,532 in Adams Morgan. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Travelers.

The best Adams Morgan car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Adams Morgan, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Adams Morgan.

Nationwide was the best company for customer service in Adams Morgan according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Adams Morgan, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Adams Morgan. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Adams Morgan

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 63% of Adams Morgan residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Adams Morgan driver can expect to pay about $121 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Adams Morgan, USAA has the best prices for drivers with speeding tickets, drivers with bad credit, married couples, drivers with accidents, young drivers, drivers with a DUI conviction, and good drivers.
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Auto Insurance Prices in and Around Adams Morgan

What Influences the Cost of Car Insurance in Adams Morgan?

On average, car insurance in Adams Morgan is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Adams Morgan is 36 minutes, which is about the national average for a driver in the city.
  • District of Columbia state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Adams Morgan are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
  • Adams Morgan is one of the least populated areas in the state. The neighborhood’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Adams Morgan is $100 per month for minimum coverage and $191 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Adams Morgan driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Adams Morgan with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.