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Cheap Car Insurance in Washington DC (With Quotes, May 2022)

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Katie Powers

By: Katie Powers

Edited by Jackie Cohen

Last Updated May 10, 2022

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Quick Facts

  • The average cost of car insurance in Washington, D.C. is $299 per month, or $3,588 annually.
  • Travelers is the cheapest provider we found in Washington, D.C., with average premiums of $155 per month.
  • Your rates are determined by factors outside of your location, such as your age and driving record – but by comparing car insurance quotes, you can ensure you find the best rate for your circumstances.

Car Insurance in Washington, D.C.

Cheap car insurance may seem like a foreign concept in the nation’s capital, but D.C. drivers shouldn’t be discouraged. Despite higher rates than the national average, D.C. drivers can lower costs with discounts and comparison-shopping. Below, we’ve provided information about car insurance costs in D.C., plus an FAQ section and tips for getting your best rate.

See More: Cheap Car Insurance

See More: Cheap Car Insurance No Deposit

Cheapest Car Insurance in Washington, D.C.

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

The average cost of car insurance in Washington D.C. is $227 per month. However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.

In a city where the average annual premium is well over $1,000, you may be surprised to find out that cheap rates are possible. We analyzed thousands of car insurance quotes to understand which car insurance providers offer the best rates on average. Below is a list of the five best insurers offering cheap car insurance policies in Washington, D.C.

Car Insurance CompanyAverage Monthly Quote
Travelers$155
Liberty Mutual$223
Progressive$251
Midvale Home & Auto$265
Nationwide$270
The General$483
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Car Insurance Quotes

Cheapest Liability Auto Insurance in Washington, D.C.

Liability-only car insurance policies are ones that cover you in the event of an at-fault accident. These policies cover bodily injury liability and property damage liability up to coverage limits and minus the deductible. Liability insurance doesn’t cover your car’s damage—collision and comprehensive coverage policies do that. Below are the best rates for liability-only insurance.

Car Insurance CompanyAverage Monthly Quote
Travelers$108
Midvale Home & Auto$167
Liberty Mutual$170
Progressive$180
Nationwide$288
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Full-Coverage Auto Insurance in Washington, D.C.

Full-coverage car insurance policies cover liability insurance, plus comprehensive and collision coverage. These policies are more expensive than buying only required minimums, but they’re worth it if you have a new car and even required by your lender if your care is financed. Below are the cheapest rates for full-coverage policies.

Car Insurance CompanyAverage Monthly Quote
Travelers$167
Liberty Mutual$244
Nationwide$263
Progressive$280
Midvale Home & Auto$290
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Best Car Insurance in Washington, D.C.

Of course, price isn’t everything. We analyzed dozens of data points—including price, technology, and customer experience—to understand which companies offer the best car insurance policies in the District of Columbia. Below are the top three companies. It’s up to you to decide if a company’s perks are worth the (sometimes higher) cost.

Car Insurance CompanyICSAverage Monthly Quote
Nationwide89$270
Liberty Mutual82$223
Travelers80$155
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Best Car Insurance Companies

Insurify Composite Score Methodology

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.

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Washington, D.C., Car Insurance Rates by Driving and Accident History

Your driving record has one of the biggest impacts on your auto insurance rate. The average premiums for people with clean driving records are lower, when all other things are equal, than premiums for drivers with a history of speeding tickets, DUIs, or car accidents. Below, we show the average rates for D.C. drivers by driving profile based on thousands of real quotes.

See More: High-Risk Car Insurance Washington, D.C.

Cheap Car Insurance for Good Drivers in Washington, D.C.

To qualify as a good driver, you need a clean driving history. That means no speeding tickets, accidents, DUIs, or other violations. Good drivers are best situated to get the lowest rate on car insurance than any other group, but you’ll need a few years of driving history before you can get a good driver discount. Below are the best cheap car insurance companies for good drivers.

Car Insurance CompanyAverage Monthly Quote
Travelers$147
Liberty Mutual$211
Midvale Home & Auto$231
Progressive$241
Nationwide$261
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with DUI in Washington, D.C.

DUIs are capable of raising car insurance rates more than most other violations. People with a history of DUI are considered very high-risk by most insurance companies. You may need to work with a company specializing in high-risk policies. Below are the best car insurance companies in Washington, D.C., for drivers with a history of DUI.

Car Insurance CompanyAverage Monthly Quote
Travelers$151
Liberty Mutual$292
Midvale Home & Auto$325
The General$638
Nationwide$740
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: SR-22 Insurance Washington, D.C.

SR-22 Insurance in Washington, D.C.

SR-22s are forms filed with the DMV proving that a driver is currently carrying at least state minimum car insurance (i.e., liability coverage and uninsured motorist coverage). These drivers are deemed high-risk and typically have a history of one or more of the following:

  • DUI/DWI
  • Driving uninsured
  • Suspended license
  • Serious at-fault accident
  • Too many points on license

The insurance companies listed below offer SR-22 in Washington, D.C..

Cheap Car Insurance for Drivers with an At-Fault Accident in Washington, D.C.

At-fault accidents are one of the more common ways to send car insurance premiums skyrocketing. Many drivers find it useful to move to minimum coverage policies after an accident. Below are the best companies on average for car insurance coverage for drivers with an at-fault accident on their record.

Car Insurance CompanyAverage Monthly Quote
Travelers$158
Liberty Mutual$256
Nationwide$272
Progressive$296
Midvale Home & Auto$386
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with Speeding Tickets in Washington, D.C.

Though speeding tickets may not seem like a big deal, they can cost you. They will disqualify you from receiving a safe driving discount. Many insurance companies will view multiple speeding tickets as high-risk. Below are the best Washington, D.C., car insurance rates we could find for drivers with speeding tickets on their record.

Car Insurance CompanyAverage Monthly Quote
Travelers$189
Progressive$231
Liberty Mutual$246
Nationwide$300
Midvale Home & Auto$325
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Washington, D.C., Car Insurance Rates by Credit Tier

Did you know that your credit score can also affect your car insurance rate? Drivers with good credit tend to pay less, sometimes much less, than drivers with poor credit scores. How much less depends on the insurance provider. Below are the average car insurance rates for drivers based on their credit rating.

Credit TierAverage Monthly Quote
Excellent$182
Good$194
Average$226
Poor$281
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Car Insurance Rates in Washington, D.C., Neighborhoods

Though Washington, D.C., is one metro area, you might pay different prices for the same insurance depending on where you live. Insurers use claim rates, crime rates, traffic patterns, and other factors to compute risk ZIP code by ZIP code. Below, we show the average car insurance quote based on regions of Washington, D.C. How does your insurance rate stack up?

RegionsAverage Monthly Quote
Washington$231
Naval Anacost Annex$424
Washington Navy Yard$293
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Washington, D.C., Car Insurance Rates by Driver Age

Your age affects how much you pay for car insurance. Young drivers, especially teen drivers, usually pay more than older drivers. That’s because car insurance companies consider drivers with more experience to be a lower risk. But the trend reverses for drivers over the age of 70, as elderly drivers pose a higher risk. Below are the average rates for D.C. drivers by age.

Age GroupAverage Monthly Rate
Teenagers$563
Under 25$391
20s$289
30s$208
40s$205
50s$190
60s$179
70s$188
80+$220
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Washington, D.C. Driving Facts

All drivers living in the Washington, D.C. area must meet minimum insurance requirements. Additionally, all drivers in D.C. will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Washington, D.C..

Minimum Car Insurance Requirements in Washington, D.C.

Though coverage options vary between insurance companies, some are not optional. The minimum liability car insurance requirements for drivers in Washington, D.C. are as follows:

  • $25,000 Bodily injury liability coverage per person
  • $50,000 Bodily injury liability coverage per accident

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Washington, D.C. law are $25,000 for the death or injury of a single person as a result of a car accident and $50,000 for the deaths or injuries of multiple persons.

  • $10,000 Property damage liability coverage per accident

If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

  • $25,000/$50,000 Uninsured motorist bodily injury coverage

Uninsured motorist bodily injury coverage provides coverage for any injuries to passengers of the vehicle, as well as coverage for someone who was driving your insured vehicle with your permission in the case of an accident.

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)

Washington, D.C., DMV Information

You can get a lot done at the Department of Motor Vehicles (DMV) in Washington, D.C. There are nine DMVs in Washington, D.C., plus online access once you set up an account. Common services you can get at the DMV or through online services include licensing exams and driving tests or vehicle registration.

Public Transportation in Washington, D.C.

Public transportation in Washington, D.C., is among the best in the country. The D.C. Metro can get you to most areas in the city, and the bus system can get you virtually anywhere else. Metro fares differ depending on the time of day, with off-peak hours being less expensive than rush hour. The D.C. Circulator is the much-loved bus system in the city, costing $1 per ride.

Beyond the metro, there are Amtrak trains and Greyhound buses that connect D.C. with other metro areas. Extensive shuttle systems also make it easy to access the airport. Commuters can also use extensive bike lanes for quick and carbon-free transportation. Finally, downtown Washington, D.C., is covered with wide sidewalks and promenades along the many historic sites.

How to Get the Cheapest Car Insurance in Washington, D.C.

Getting the cheapest car insurance starts with understanding exactly what types of coverage you need and their coverage limits. You should also consider what discount programs you qualify for, as this can aid you in finding the best insurer for your driving profile. Finally, you should conduct comparison-shopping so you can compare quotes from insurers in your area.

Insurify makes this last part very easy. You only need to fill out one form in order to receive six or more quotes from top insurers in Washington, D.C. We also make the process confidential, so you don’t have to share your information with every prospective insurer. You can also save your profile and set alerts for price drops so you never miss a chance to save.

Frequently Asked Questions

  • Yes, car insurance is mandatory in Washington, D.C. All drivers need to carry liability insurance and uninsured motorist protection up to state minimums. Drivers with financed vehicles will also be required to carry collision, comprehensive, and/or gap insurance as decided by their lender. It’s also a great idea to carry uninsured and underinsured motorist protection.

  • To find cheap car insurance, you should conduct comparison-shopping during the buying process. Don’t forget to use discount programs and compare different car insurance options to ensure you get the best deal. If you’re having trouble affording car insurance, you should consider downsizing your vehicle to one that’s cheaper to insure.

  • Car insurance typically costs between $100 and $300 a month for most drivers. However, your rate could be less or much more depending on how much insurance you carry, what type of vehicle you drive, which discounts you qualify for, where you live, how much you drive, and your driving history. To get the lowest rate, always compare car insurance quotes before you buy.

  • There are a number of factors that can increase your rate. Receiving a moving violation, speeding ticket, and DUI conviction and causing an accident are the most common ways to increase your costs. That’s why maintaining a good driving record is so important. However, a drop in your credit score, change of location, or change of vehicle can also increase your rate.

  • Personal injury protection (PIP) is optional coverage in Washington, D.C. It covers your medical expenses, work loss, and funeral costs in the event of an accident—whether or not you’re at fault. Though PIP is optional, insurers are required to offer you coverage during the policy purchasing process, and it’s generally considered a good idea to carry it.

Insurify Insights

How Washington D.C. 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 D.C. 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 D.C. 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 D.C.

#25

State with the Most Speeding Tickets Rank

#26

State with the Moving Violations Rank

#35

State with the Most DUIs Rank

#50

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 D.C. is the #25 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #25
    • Percent of drivers in Washington D.C. with an accident: 10.01%
    • Percent of all U.S. drivers with an at-fault accident: 10.18%
    • Drivers in DC who have a current at-fault accident on their driving record pay 24.2% more on average than drivers with a clean record.
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Washington D.C. is the #25 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #25
    • Percent of drivers in Washington D.C. with a speeding ticket: 10.6%
    • Percent of all U.S. drivers with a speeding ticket: 9.18%
    • Drivers in DC with a speeding ticket in their driving history pay on average 18.72% more than drivers with a clean record.
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Washington D.C. is the #35 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #35
    • Percent of drivers in Washington D.C. with a DUI: 1.5%
    • Percent of all U.S. drivers with a DUI: 1.65%
    • Drivers in DC with a DUI in their driving history pay on average 18.72% more than drivers with a clean record.
  • 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 D.C. is the #15 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #15
    • Percent of drivers in Washington D.C. with a rude driving violation: 2.18%
    • Percent of all U.S. drivers with a rude driving violation: 1.68%
    • Drivers in DC with a rude driving violation in their driving history pay on average 23.74% more than drivers with a clean record.
  • 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 D.C. is the #17 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #17
    • Percent of drivers in Washington D.C. with a reckless driving offense: 0.15%
    • Percent of all U.S. drivers with a reckless driving offense: 0.0949%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Washington D.C. is the #47 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #47
    • Percent of drivers in Washington D.C. with a failure to yield violation: 0.24%
    • Percent of all U.S. drivers with a failure to yield violation: 0.36%
    • Drivers in DC with a failure to yield violation in their driving history pay on average 22.37% more than drivers with a clean record
  • Having a squeaky-clean driving record is an impressive accomplishment. Some states have consistently safer drivers than others; Washington D.C. is the #26 state in the country for drivers with a clean record.

    • Rank among states: #26
    • Percent of drivers in Washington D.C. with a clean record: 80.37%
    • Percent of all U.S. drivers with a clean record: 82.17%
  • 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 among states: #3
    • Percent of drivers in Washington D.C. with a hybrid/electric vehicle: 2.21%
    • Percent of all U.S. drivers with a hybrid/electric vehicle: 2.4%
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.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Katie Powers
Katie Powers
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Content Writer at Insurify

From the suburbs of St. Louis, Katie Powers is a freelance writer for Insurify and elsewhere. Since completing her undergraduate degree in writing, literature, and publishing, she’s wrapping up a master’s degree in publishing at Emerson College. In her free time, she likes to read and go for long walks.

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