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

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

Washington D.C. Driving Facts

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)
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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 CompanyQuotes
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 CompanyQuotes
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 CompanyQuotes
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 CompanyQuotes
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 CompanyQuotes
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.

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We've been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We've also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

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

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Ranked

--Structurally Deficient
Rural Bridges

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Ranked

--Fatality Rate per 100M VMT
on Rural Roads

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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.