Best Cheap Auto Insurance in Washington, D.C. (2024)

GEICO is the cheapest insurer for D.C. drivers, with liability rates as low as $89 per month.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
  • 7+ years writing insurance and personal finance content

  • Contributor to top media, including USA Today

A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.

Featured in

media logomedia logomedia logo
Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo
Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated February 26, 2024 at 11:00 AM PST

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Though not technically a state, Washington, D.C., has a larger population than Vermont and Wyoming. Around 670,000 people live in the nation’s capital, which adds up to a population density of more than 11,200 residents per square mile, according to U.S. Census data.

As in many big cities, Washington, D.C. has higher auto insurance rates than some of the states and areas around it. For example, the average monthly cost of a full-coverage policy in D.C. is $235, compared to the average in nearby Arlington, Virginia of $166 per month.

Drivers in Washington, D.C. tend to find the cheapest auto insurance rates through GEICO, Erie, and State Farm. But since each insurance company has its own underwriting process, it's a good idea to compare care insurance quotes from multiple companies before deciding on a policy.

Here’s how to find cheap coverage in Washington, D.C.

Quick Facts
  • Though Washington, D.C., uses a no-fault accident system, injured drivers who choose to purchase personal injury protection (PIP) coverage have the option to receive no-fault benefits or file a claim against the at-fault driver.[1]

  • Washington, D.C. drivers pay, on average, $235 per month for full coverage and $125 for liability-only policies.

  • D.C. drivers pay more for full coverage each month than motorists in nearby Arlington, Virginia, and Silver Spring, Maryland ($268).

Find Car Insurance in Washington, D.C.

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Best car insurance companies in Washington, D.C.

Because each vehicle owner has a unique driver profile and desired coverage level, car insurance rates can vary widely across insurance companies. However, some of the cheapest car insurance companies in the state offer cheap rates for many types of drivers.

The best way to find cheap coverage that matches your needs is to shop around for quotes from multiple insurers. You can start your search with a few of the best car insurance companies below.

Best insurer for liability-only coverage: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
834
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$89/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$149/mo

GEICO offers drivers in Washington, D.C., some of the lowest average rates for liability-only insurance. Besides liability coverage, GEICO also offers medical payments, PIP, uninsured motorist, collision, comprehensive, rental reimbursement, and emergency road service coverage. A long list of discounts can help you earn even lower insurance costs.

Pros
  • Many discounts available

  • A++ (Superior) A.M. Best financial strength rating

Cons
  • Below-average J.D. Power customer satisfaction rating

  • No rideshare or gap insurance

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

Best insurer for full coverage: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
860
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$156/mo

On average, Travelers offers drivers in Washington, D.C., some of the cheapest rates for full-coverage car insurance. In addition to relatively low rates, the insurance company offers a wide selection of optional coverages, such as rental, gap, rideshare, and roadside assistance coverage. Travelers provides multiple discounts for customers to benefit from.

Pros
  • Above-average J.D. Power customer satisfaction rating

  • Many discounts available

Cons
  • No rideshare coverage

  • Some poor customer reviews on Trustpilot

Superior customer service.

Susan - November 25, 2023
Verified

They are the best.

David - November 15, 2023
Verified

I have no tickets and no accidents, yet my premiums keep going up every year.

Deborah - October 26, 2023
Verified
Read our Travelers review

Best insurer for bundling: Erie

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
867
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$91/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$151/mo

Erie has been providing quality insurance to customers for nearly 100 years. The company offers several insurance products, including auto and homeowners insurance. If you opt to bundle your home insurance and auto insurance policies through Erie, you can potentially save between 16% and 25% on your insurance costs. The company also offers the Rate Lock feature, which keeps your coverage costs the same until you make changes to the policy.

Pros
  • Top J.D. Power customer satisfaction rating in the Mid-Atlantic region

  • Rate Lock feature can prevent rising rates

Cons
  • Must finalize your policy with an agent

  • Some poor customer reviews on Trustpilot

Over the years, they have always gone over and above what I would have expected. They are fair and prompt in customer service issues. They have always tailored my policy to meet my needs at a very fair price.

linda - August 9, 2023
Verified

I have been with Erie for 73 years. No problems!.

William - July 17, 2023
Verified

My agent was always there for me.

Dinah - December 4, 2022
Verified
Read our Erie Insurance review

Cheapest liability-only car insurance in Washington, D.C.

After an incident, liability car insurance kicks in to help you pay for vehicle damage or injuries you caused the other driver in an accident. This insurance won’t help you repair your own vehicle or cover your medical costs.[2]

Here are some of the cheapest auto policy options for liability-only coverage in Washington, D.C.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
GEICO89
Erie91
State Farm97
USAA100
Midvale Home & Auto100
Liberty Mutual116
Progressive166
CSAA172
Allstate192
Nationwide193
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Washington, D.C.

Full-coverage car insurance includes comprehensive, collision, and liability coverages. After an accident, collision coverage will help you pay to repair or replace your own vehicle. For non-collision incidents, like damage from a fallen tree or natural disaster, comprehensive insurance can provide coverage.

Though this type of insurance isn’t mandatory, your auto lender may require you to carry it if you finance or lease your vehicle. Drivers with a new or valuable vehicle may want to purchase this optional coverage for extra financial protection.[3]

You can find the cheapest full-coverage car insurance quotes in Washington, D.C., below.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
GEICO149
Erie151
Travelers156
State Farm162
USAA167
Midvale Home & Auto209
Liberty Mutual232
CSAA263
Progressive276
Allstate320
Nationwide321
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Estimate your D.C. car insurance costs

Select discounts that apply to you
Save 27%
Save 7%
Save 21%
Save 38%
Age
Credit Score
Are you insured
Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

Car insurance requirements in Washington, D.C.

The Compulsory/No-Fault Motor Vehicle Insurance Act in the District of Columbia requires you to have a minimum amount of auto insurance when registering a vehicle. In addition to the required coverage liability and uninsured/underinsured motorist coverage, D.C. auto insurers must offer all drivers personal injury protection (PIP) insurance, which can cover your medical expenses following an accident-related injury.

You can find the specific D.C. requirements below:

CoverageMinimum Requirements
Bodily injury liability
  • $25,000 per person
  • $50,000 per accident
Property damage liability
  • $10,000 per accident
Uninsured/underinsured motorist bodily injury liability
  • $25,000 per person
  • $50,000 per accident
Uninsured/underinsured motorist property damage liability
  • $5,000 per accident

In some cases, you might decide to carry more than the minimum coverage for more vehicle protection. Here are a few common optional coverages you may want to consider:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Following a non-collision incident, comprehensive coverage can help you repair or replace your vehicle. This includes damage from fire, theft, vandalism, and severe weather.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers your vehicle after an auto accident, regardless of fault. This includes collisions with another vehicle or an object like a tree or light pole. Collision can also cover damage from a rollover accident or hitting a pothole.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Though specifics vary by company, roadside assistance coverage typically includes services for a reduced rate, including towing, tire replacement, jump-starts, gas delivery, and more.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Accident forgiveness

    Many insurers will raise your rates upon renewal following an at-fault accident. Accident forgiveness coverage can hold your premium steady after your first at-fault accident. You'll generally need a clean driving record for three to five years to be eligible to buy this type of coverage.

Cheapest car insurance for drivers with an incident

Making a mistake behind the wheel can have an effect on your driving record. Drivers with incidents on their record tend to pay higher rates for auto insurance coverage than people with a clean record. Insurers view drivers with speeding tickets, driving under the influence charges, or at-fault accidents as a higher risk to insure.[4]

Find Cheap Car Insurance in Washington, D.C.

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Cheapest car insurance for drivers with a speeding ticket

The Washington, D.C., area has an above-average number of street racers. The nation’s capital has approximately 8.9 street racers per 100,000 residents, which is higher than the national average of 7.4, according to Insurify data. The higher number of street racers makes speeding a common issue in D.C., leading to more accidents.

If you get a speeding ticket in D.C., you’ll likely face higher car insurance rates than drivers with a clean record. The severity of the offense can influence how much you pay in an initial fine and future increased rate. For example, an infraction related to street racing will likely increase your rates more than a ticket for going over the speed limit by 10 mph, as street racing is considered reckless driving.

In D.C., drivers with a speeding ticket see average monthly premiums of $314 and $167 for full-coverage and liability-only policies, respectively. Here are the average monthly quotes for drivers with a speeding ticket in Washington, D.C.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
GEICO185110
State Farm198118
Erie205124
USAA207124
Liberty Mutual310155
CSAA339222
Progressive357214
Allstate396238
Nationwide402242
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

An at-fault accident can have a more significant effect on your car insurance than a single speeding ticket. In general, insurers charge drivers with an at-fault accident on their record higher insurance premiums to offset the perceived risk posed by the prior incident.

The average monthly cost of full-coverage car insurance for Washington, D.C. drivers with at-fault accidents is $341. The average for minimum-coverage policies is $182. Here are the average monthly quotes for D.C. drivers with an at-fault accident on their record. However, accident forgiveness coverage could help you avoid the multi-year surcharge for an at-fault accident.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
GEICO200119
State Farm214128
Erie217131
USAA224134
Liberty Mutual334167
CSAA372243
Progressive386232
Allstate429257
Nationwide434261
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

A DUI is a serious traffic violation that comes with expensive consequences, such as jail time, license and registration suspension, and significant fines. A DUI in D.C. stays on your record for 10 years.

Most drivers with a DUI on their driving record pay significantly more for car insurance than drivers with a clean record or another type of incident, like a speeding ticket. In the district, drivers with DUIs face average car insurance rates of $388 per month for full coverage and $207 for liability-only policies.

You can find the cheapest average monthly quotes for Washington, D.C., drivers with a DUI below.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Erie217131
GEICO239143
State Farm259155
USAA267160
Liberty Mutual371186
CSAA421275
Progressive442266
Allstate512307
Nationwide514309
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Insurance companies usually consider your age when determining premiums. Between the ages of 35 and 75, experienced drivers tend to see average rates decrease with time. Senior drivers older than 70 can start to expect slightly higher rates because auto insurers may account for risk factors related to aging.

On average, senior drivers in D.C. pay $169 per month for full coverage and $90 for liability-only policies. Average rates for senior drivers vary by insurance company, which makes shopping around critical. Find some of the cheapest insurers for senior drivers in D.C. below.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Erie7847
GEICO8551
State Farm8551
USAA9959
Progressive12877
Liberty Mutual13869
Nationwide16398
Allstate188113
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Teenagers and young drivers face the highest car insurance costs due to limited driving experience. Many insurance companies view teenagers as high-risk drivers with a greater likelihood of having an accident or filing a claim.

The good news is that teen drivers can find ways to avoid overpaying for coverage. Some strategies to lower your car insurance costs include picking a safe vehicle, increasing your deductible, joining your parents’ insurance policy, and maintaining good grades to earn a good student discount.[5]

Average rates for teen drivers in D.C. are higher than for other age groups. Teens pay, on average, $250 monthly for minimum coverage and $469 for full coverage. Young drivers in Washington, D.C., can find some of the cheapest car insurance options below.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
GEICO251150
Erie292176
USAA294176
State Farm295176
Liberty Mutual419210
CSAA466305
Progressive522314
Nationwide583350
Allstate595357
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Washington, D.C.

“A driver can save money on car insurance by shopping with different companies, maximizing discounts, decreasing annual mileage, increasing deductibles, and reviewing optional coverage,” says Nick Schrader, insurance agent and owner of Second Western Insurance.

  • Stick with minimum coverage. You must carry a minimum amount of coverage to legally drive in D.C., but you're not required to buy full coverage unless you have an auto loan or lease. If you have an old or inexpensive vehicle, you may only need liability coverage.

  • Shop around. You should always compare multiple quotes when seeking out the most affordable car insurance costs, as rates can vary significantly between companies.

  • Bundle policies. If you have multiple insurance needs, bundling coverage under one insurance company can lead to savings. Many companies offer bundling opportunities for your homeowners and auto insurance, or for condo or renters policies combined with an auto policy.

Find Car Insurance in Washington, D.C.

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Washington, D.C., car insurance quotes by credit tier

Insurance companies operating in Washington, D.C., can consider your credit history when determining premiums. Drivers with excellent or good credit scores often pay less than drivers with poor credit scores.

In some cases, working to improve your credit score can lead to lower car insurance rates. You can do this by remembering to pay your bills on time and reviewing your credit report to identify any potential mistakes.

Here are the average full-coverage auto insurance quotes by credit tier in D.C.

Rates by Credit Tier

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.

Washington, D.C., car insurance FAQs

Before purchasing insurance, you should decide on the right amount of coverage for you. The information below should help you navigate the process of finding cheap insurance from a quality insurer in D.C.

  • How much is car insurance in Washington, D.C.?

    On overall average, drivers in D.C. pay $266 per month for car insurance. Full-coverage insurance costs $310 per month on average, while liability-only coverage is $221 per month. Your specific rate depends on your driver profile, including your driving record, credit history, age, vehicle type, and more.

  • Which company has the cheapest car insurance rates in Washington, D.C.?

    GEICO has the lowest liability-only rates in Washington, D.C., according to Insurify data. Its rates start at $89 per month. District drivers can also find lower rates with the city's second- and third-cheapest insurers, Erie and State Farm. Their liability-only policies start at $91 and $97, respectively.

  • What are the best car insurance companies in Washington, D.C.?

    With a 4.4 Insurify Quality (IQ) Score, A+ AM Best financial strength rating, and above-average J.D. Power customer satisfaction ranking, Erie is the best car insurance company in Washington, D.C. Other top insurers include GEICO and Travelers.

  • Is car insurance required in D.C.?

    Yes. Drivers must carry the following minimum amounts of car insurance:

    • $25,000 per person and $50,000 per accident in bodily injury liability

    • $10,000 per accident in property damage liability

    • $25,000 per person and $50,000 per accident in uninsured/underinsured motorist bodily injury liability

    • $5,000 per accident in uninsured/underinsured motorist property damage liability

  • Do you need to purchase PIP coverage in D.C.?

    No. PIP coverage is not mandatory in D.C., but auto insurers must offer the coverage to every driver purchasing insurance. If you do purchase PIP coverage and have an accident, you have 60 days to decide whether you want to receive no-fault benefits or file a claim against the at-fault driver.

Insurify Insights

How Washington Dc Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Washington Dc below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Washington Dc drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

nissan

Nissan Altima

Most Popular Car in Washington Dc

#9

State with the Most Speeding Tickets Rank

#18

State with the Moving Violations Rank

#34

State with the Most DUIs Rank

#46

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Washington Dc is the #20 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #20
    • Percent of drivers in Washington Dc with an accident: 8.9%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Washington Dc is the #34 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #34
    • Percent of drivers in Washington Dc with a DUI: 1.1%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Washington Dc is the #37 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #37
    • Percent of drivers in Washington Dc with a reckless driving offense: 1%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Washington Dc is the #38 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #38
    • Percent of drivers in Washington Dc with a rude driving violation: 1.1%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Washington Dc is the #9 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #9
    • Percent of drivers in Washington Dc with a speeding ticket: 11%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Washington Dc is the #24 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #24
    • Percent of drivers in Washington Dc with a failure to yield violation: 0.1%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. NOLO. "Washington D.C. Car Insurance Rules." Accessed July 26, 2023
  2. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed July 26, 2023
  3. Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?." Accessed July 26, 2023
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed July 26, 2023
  5. Insurance Information Institute. "Auto insurance for teen drivers." Accessed July 26, 2023
Sarah Sharkey
Sarah SharkeyInsurance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo
Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all