Cheap Auto Insurance Quotes in Washington D.C. (2021)

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Driving in Washington, D.C., is no fun. Parking is hard to find, traffic circles make a mess of things, and tourists are everywhere.

Though millions of commuters pour into the capital city each day, a full 60 percent of them choose to drive their cars. When you are on the road with this many people, it’s only logical to make sure that you have a good insurance policy in place in case the unthinkable happens.

Cheapest Car Insurance in Washington D.C.

Here are the cheapest carriers in Washington D.C. for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Washington D.C..

Best Car Insurance in Washington D.C.

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Washington D.C.. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Washington D.C.

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Washington D.C. to find you the cheapest quotes in each of these metropolitan areas.

Quotes by Top Carriers
Quotes ($/mo)
$162
$216
$259
$265
TravelersLiberty MutualAmerican FamilyNationwide
Monthly $
CityCheapest Carrier
TravelersTravelers
$162/mo

Cheapest Liability Auto Insurance in Washington D.C.

For drivers in Washington D.C., that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Washington D.C.. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Washington D.C..

Cheapest Full Coverage Auto Insurance in Washington D.C.

For drivers in Washington D.C., that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

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 full coverage auto insurance in Washington D.C..

Washington D.C. Driving Facts

washington-dc

Minimum Car Insurance Requirements in DC

Every state and territory in the U.S. has different rules and regulations when it comes to minimum car insuranceThe District of Columbia is no different. Bear in mind that minimums are called minimums for a reason. Be sure to consider how much coverage you really need to protect yourself and your assets. 

The required minimum coverage limits in Washington, D.C. are:

  • $25,000 Bodily injury liability coverage per person
  • $50,000 Bodily injury liability coverage per accident
  • $10,000 Property damage liability coverage per accident
  • $25,000/$50,000 Uninsured motorist bodily injury coverage

Beyond the required minimums, there are two recommended coverage minimums. These can be rejected if drivers choose to do so:

  • $25,000/$50,000 Underinsured motorist bodily injury protection
  • Personal Injury Protection (PIP)

Cheapest Car Insurance Quotes in Washington D.C. by Profile

Here are the cheapest insurance companies in Washington D.C. based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Washington D.C. drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. GEICO offers the best options for good drivers in Washington D.C., at $35 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance Company
GEICO
$35/mo
Erie
$38/mo
Nationwide
$123/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance Company
Erie
$69/mo
USAA
$75/mo
GEICO
$76/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance Company
Erie
$57/mo
GEICO
$59/mo
USAA
$61/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance Company
USAA
$52/mo
GEICO
$53/mo
State Farm
$81/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Washington D.C., you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $39 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Washington D.C. 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Washingtonians lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance Company
USAA
$39/mo
GEICO
$43/mo
Erie
$48/mo

SR‌-22 Insurance in Washington D.C.

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Washington D.C. on your behalf.

Washington D.C DMV Information

Sure, you may be ready to get out there and complete DMV-related errands right now, but not everyone likes the thought of waiting in a busy lobby. Instead, the DMV has plenty of services that can be done online, over the phone, or by mail. It even ensures that your financial transactions are secure and encrypted. Still, there are plenty of people willing to venture out there just to talk to a live person. If that’s the case for you, then there are four DMV Service Centers for which you can schedule your appointment: Benning Ridge, Brentwood, Georgetown, and Rhode Island.

Public Transportation in Washington D.C

Washington, D.C., is used to crowds and has a pretty wide selection of tourist-friendly ways of getting from one place to another. The problem in a city this fantastic is deciding just where to go! Getting around the capital city in anything other than your own car means you’ll be taking one or more of the following transportation options: Metrorail, Metrobus, taxis, rental cars, black car/limos, the DC Circulator, and various bikeshare and scooter options. Ridesharing services include Lyft, Uber, Via, and Scoop.

Conclusion: How to get the best and cheapest car insurance in Washington D.C

Whether you are in the city daily or this is a once-in-a-lifetime travel opportunity for you, D.C. is an exciting destination full of great ways to get around.

Driving in D.C. takes a little more of your attention than in a smaller city, but many wouldn’t have it any other way. Paying attention to your car insurance is another good practice since things are changing all of the time and you don’t want to be left without the best possible policy in place.

Insurify Insights: How Washington D.C. Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Washington D.C. drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Washington D.C.

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. Among all fifty states, Washington D.C. drivers rank 25 in the number of car accidents per driver.

  • Rank of States: #25
  • Percent of drivers in Washington D.C. with an accident: 10.01%
  • Drivers in DC with an accident in their driving history paid on average 24.2% more than drivers with a clean record

Speeding Washington D.C.

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Washington D.C. drivers rank 25 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #25
  • Percent of drivers in Washington D.C. with a speeding ticket: 10.6%
  • Drivers in DC with a speeding ticket in their driving history paid on average 18.72% more than drivers with a clean record

DUI/DWIs Washington D.C.

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Washington D.C. drivers rank 35 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #35
  • Percent of drivers in Washington D.C. with a DUI: 1.5%
  • Drivers in DC with a DUI in their driving history paid on average 18.72% more than drivers with a clean record

Most Popular Vehicle Washington D.C.

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Washington D.C. is the Nissan Altima.

Rude Washington D.C.

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Washington D.C. drivers rank 15 in rude driving infractions.

  • Rank of States: #15
  • Percent of drivers in Washington D.C. with a reckless driving violation: 2.18%
  • Drivers in DC with a reckless driving violation in their driving history paid on average 23.74% more than drivers with a clean record.

Safest Drivers Washington D.C.

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Washington D.C. drivers rank 26 in clean driving records across all fifty states.

  • Rank of States: #26
  • Percent of drivers in Washington D.C. with clean record: 80.37%

Street Racing Washington D.C.

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Washington D.C. drivers rank 9 in street racing violations per driver.

  • Rank of States: #9
  • Percent of drivers in Washington D.C. with a street racing violation: 0.01%

Failure to Yield the Right of Way Washington D.C.

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Washington D.C. drivers rank 47 in failure to yield violations per driver across all fifty states.

  • Rank of States: #47
  • Percent of drivers in Washington D.C. with a failure to yield violation: 0.24%
  • Drivers in DC with a failure to yield violation in their driving history paid on average 22.37% more than drivers with a clean record

Reckless Drivers Washington D.C.

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. Among all fifty states, Washington D.C. drivers rank 17 in the number of reckless driving offenses per driver.

  • Rank of States: #17
  • Percent of drivers in Washington D.C. with a reckless driving offense: 0.15%

Hybrid/Electric Vehicle Ownership Washington D.C.

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Washington D.C. drivers rank 3 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #3
  • Percent of drivers in Washington D.C. with a hybrid/electric vehicle: 2.21%

Greenest Cities in Washington D.C.

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

Washington, D.C. is the headquarters of the Environmental Protection Agency. The district is home to over 3 million square feet of "green roof" - an eco-friendly stormwater management practice. Nationals Park is the nation's first LEED Silver certified ballpark, as determined by the U.S. Green Building Council, which measures energy efficiency and sustainability in building design and operation. Washington, D.C. offers many green driver incentives, including federal tax credits, driving restriction waivers and reduced registration fees for fuel-efficient cars, and discounts through some car insurance carriers.

Greenes Cities

Washington

Greenes Cities
% of Hybrids / Electrics
2%
Most Patriotic City

Most Patriotic City

Washington

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

What city is more patriotic than Washington, D.C.? As our nation's capital, the District of Columbia is home to the federal government's most eminent legislative, executive, and judicial bodies.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Washington D.C. is vital for all car insurance shoppers hitting the road in the nation's capital.

road with cars illustration

Road Rankings

--Rural Roads in
Poor Condition

#--
Ranked

--Structurally Deficient
Rural Bridges

#--
Ranked

--Fatality Rate per 100M VMT
on Rural Roads

#--
Ranked


FAQs - Washington D.C. Car Insurance

I’m not sure I can afford insurance anymore. What happens if I cancel it in D.C.?

There’s no getting around this one. Insurance companies are required to notify the D.C. Department of Motor Vehicles of any insurance cancellations or terminations. If you fail to maintain continuous, valid insurance on a vehicle registered in the District, your D.C. DMV vehicle registration or reciprocity sticker will be suspended. You will be assessed fines that will increase over time. If you haven’t been online to a comparison site like Insurify to check auto insurance rates, you owe it to yourself to try. You can’t afford not to have insurance—not only because of the increased risk you face driving without coverage, but because it is the law and fines and fees will follow you.

What is a ROSA exemption?

For a lot of reasons, D.C. is very particular about the cars that park in and around the city. If you don’t have a District of Columbia tag but are a frequent visitor to the area, you can apply for a ROSA (Registration of Out-of-State Automobiles) exemption to be sure you are in compliance with D.C. parking rules, avoid extra fees, and keep your car out of the impound lot.

My elderly parent’s vehicle is registered in D.C., but she doesn’t drive anymore. Can I cancel her insurance?

Now that your parent isn’t driving, they will not need insurance. However, before you cancel their insurance policy, the District of Columbia requires that you return the vehicle tags to the D.C. DMV first. If not, you will be fined.

Insurify Rate Comparison Methodology

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.