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Car Insurance Quotes in Kennedy Street, DC

Full coverage / year
$1,899
State minimum / year
$777
Typical quote range
$1,348 – $2,621

Drivers in Kennedy Street pay an estimated $1,899 a year for full coverage car insurance, or about $158 a month. Premiums here land roughly 11% under the District of Columbia average thanks to low traffic density and few comprehensive claims. Use the calculator below to price your actual age, vehicle and record instead of the city average.

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Car insurance calculator — Kennedy Street, DC

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$158/ month
$1,899 per year · carriers in Kennedy Street, DC typically quote $1,348 – $2,621
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Kennedy Street, DC

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,443$120-24%Military members and families only
Geico$1,557$130-18%Usually cheapest for clean records
State Farm$1,671$139-12%Strong for young and student drivers
Progressive$1,804$150-5%Competitive after a ticket or accident
Travelers$1,842$154-3%Good multi-policy discounts
Nationwide$1,899$1580%Mid-market, wide availability
Allstate$2,165$180+14%Higher base rate, heavy discount stacking
Farmers$2,298$192+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Kennedy Street, DC. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Kennedy Street

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$5,130$2,099$427
18 years old$4,327$1,770$361
20 years old$3,583$1,466$299
22 years old$2,976$1,218$248
25 years old$2,271$929$189
30 years old$1,958$801$163
40 years old$1,841$753$153
50 years old$1,762$721$147
60 years old$1,743$713$145
65 years old$1,821$745$152
70 years old$1,997$817$166
75 years old$2,330$953$194

Estimated premiums by age in Kennedy Street, DC, clean record, sedan.

What a ticket, accident or DUI costs in Kennedy Street

Driving recordEst. annualIncrease
Clean record$1,899—
1 speeding ticket$2,336+23%
1 at-fault accident$2,792+47%
DUI / DWI$3,590+89%

What a violation costs a 35-year-old in Kennedy Street, DC. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in District of Columbia

Every driver registering a vehicle in District of Columbia must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the District of Columbia Department of Insurance.

Required coverage in District of ColumbiaMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$10,000
Uninsured motorist 25/50/5Required
Insurance systemAt-fault (tort)

Coverage levels compared in Kennedy Street

Coverage levelEst. annualEst. monthly
State minimum liability$777$65
Full coverage (100/300/100 + comp & collision)$1,899$158
Full coverage, high limits + low deductible$2,260$188

Coverage level comparison for Kennedy Street, DC.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Kennedy Street

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Kennedy Street covers 20011, 20542, 20012, 20010 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Kennedy Street, DC?
Full coverage in Kennedy Street is estimated at $1,899 a year ($158 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $777 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in District of Columbia?
District of Columbia requires at least $25,000 bodily injury per person, $50,000 per accident and $10,000 property damage, plus uninsured motorist 25/50/5. District of Columbia is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Kennedy Street?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Kennedy Street for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Kennedy Street?
An 18-year-old in Kennedy Street is estimated at $4,327 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Kennedy Street?
A DUI takes the estimate from $1,899 to about $3,590 a year in Kennedy Street, an increase of roughly 89%. District of Columbia drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Kennedy Street?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

BrightwoodPetworthCentral 14th Street / Spring RoadPark ViewPleasant PlainsMount PleasantColumbia HeightsAdams Morgan

Comparing more of District of Columbia? See every District of Columbia city we price or read the cheap car insurance guide for Kennedy Street.