Average Car Insurance Cost in Washington, D.C. (2025)
Drivers in Washington, D.C., pay an average of $3,334 annually for car insurance.
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Written bySarah Sharkey
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7+ years writing insurance and personal finance content
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A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
Drivers in Washington, D.C., pay an average of $278 per month for car insurance. When compared to the national average premium of $151, capital city drivers face significantly higher car insurance premiums.
Drivers in D.C. may face elevated insurance costs due to nationwide inflation, increases in car crash fatalities, and higher rates of vehicle theft in the area. Comparing quotes can help you find the cheapest rates for your unique situation.
Here’s what you need to know about the cost of auto insurance and finding car insurance in D.C.
Quick Facts
The average cost of car insurance in Washington, D.C., is $226 per month for minimum coverage and $330 for full-coverage car insurance.
GEICO, Erie, and State Farm offer some of the cheapest rates to D.C. drivers, on average.
Annually, D.C. drivers pay $2,707 for minimum coverage and $3,961 for full coverage.
How much is car insurance in Washington, D.C.?
Washington, D.C., drivers pay an average monthly rate of $278, or $3,334 annually, for car insurance.
A liability-only policy costs an average of $226 per month, or $2,707 per year. Minimum-coverage policies meet the state-required coverage needs for bodily injury liability and property damage liability coverage.
Drivers who opt for more robust financial protection with a full-coverage policy — which includes liability, comprehensive, and collision coverage — pay an average monthly rate of $330, or an average annual premium of $3,961.
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How Washington, D.C., car insurance rates have changed over the past two years
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To find car insurance rates in Washington, D.C., and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Washington, D.C., rose to $3,000 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in D.C.
See how Washington, D.C., car insurance prices have changed over the past two years below.
Average Washington, D.C., Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Washington, D.C., car insurance rates by age and gender
Your age can affect your car insurance premiums.[1] Teen drivers pay the highest average rates by age. Older drivers typically pay lower car insurance rates than their younger counterparts. As drivers gain more experience behind the wheel, they tend to earn cheaper car insurance rates on average. But senior drivers 70 and older may have increased premiums due to aging-related risk factors.
In addition to age, gender can affect your car insurance premiums. Women tend to get into fewer accidents than men, so insurers may perceive men as higher-risk drivers. Men typically pay a bit more for car insurance than women.
The table below highlights the average monthly rate by gender and age for car insurance in Washington, D.C.
Age  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $435 | $620 |
| 18 | $378 | $539 |
| 20 | $192 | $274 |
| 25 | $186 | $265 |
| 30 | $179 | $255 |
| 40 | $188 | $267 |
| 50 | $177 | $253 |
| 60 | $186 | $265 |
| 70+ | $201 | $287 |
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.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $435 | $607 |
| 18 | $370 | $528 |
| 20 | $188 | $269 |
| 25 | $182 | $259 |
| 30 | $175 | $250 |
| 40 | $184 | $262 |
| 50 | $173 | $248 |
| 60 | $182 | $260 |
| 70+ | $197 | $281 |
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.
Average cost to insure popular vehicles in Washington, D.C.
How much you pay for coverage will depend on your vehicle type, make, and model. The most popular vehicles in D.C. include the Toyota RAV4, Tesla Model Y, Honda CR-V, Tesla Model 3, and Toyota Camry, according to Edmunds.[2]
The table below highlights the average monthly rate for the most popular vehicle models in Washington, D.C.
Vehicle | Average Monthly Quote |
|---|---|
| Toyota RAV4 | $255 |
| Tesla Model Y | $458 |
| Honda CR-V | $232 |
| Tesla Model 3 | $505 |
| Toyota Camry | $307 |
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.
How your driving record affects car insurance rates in Washington, D.C.
When determining your car insurance rates, insurers will typically consider your driving history. Drivers with a history of accidents, speeding tickets, or driving under the influence (DUI) tend to face higher insurance premiums than people with a clean driving record.
After an incident, your car insurance rates will typically increase. For example, drivers who received a speeding ticket will have higher insurance rates when their policy renews. People seeking the lowest possible rates should try to keep their driving record clean.
The table below shows average full-coverage rates for a sample driver with different incidents on their record.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $338 | 26% |
| With speeding ticket | $344 | 28% |
| With DUI | $392 | 46% |
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.
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Washington, D.C., like many U.S. states, allows auto insurance companies to consider your credit-based insurance score when determining premiums.[3] Drivers with good or excellent credit history typically pay less for car insurance than drivers with poor credit.
Here are the average insurance quotes for D.C. drivers by credit tier.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $112 $189 Good $132 $222 Fair $145 $244 Poor $199 $335 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.
How to lower your insurance costs in Washington, D.C.
Use the following strategies to find cheap car insurance for your coverage needs:
Shop around
Start by comparing quotes across multiple insurance companies to find the lowest rates for your situation. Since each insurance company has its own way of determining premiums, shopping around allows you to find a relatively cheap car insurance option.
Increase your deductible
Opting for a higher deductible typically leads to a lower insurance premium. If you have enough savings to cover the higher deductible in an emergency, the up-front savings might be worth it.
Look for discounts
Since most insurance companies offer some selection of discounts, find out if you qualify for savings that unlock a cheap car insurance policy.
Bundle your coverage
Most drivers need multiple kinds of insurance, which presents an opportunity to snag a bundling discount. For example, bundling your home insurance and auto insurance through a single company could lead to a discount.
Opt for state-minimum coverage
A minimum-coverage policy in D.C. includes a minimum amount of bodily injury and property damage liability coverage. Although opting for state-minimum coverage may lead to savings up front, consider your insurance needs before skipping a policy that offers more financial protection.
Pay up front
Some insurers offer a discount to drivers who pay for a policy through an annual premium instead of stretching out the cost through a monthly rate.
Washington, D.C., average car insurance cost FAQs
The following information can help answer your remaining questions about car insurance in D.C.
Washington, D.C., drivers pay an average annual rate of $3,334 for car insurance. For a minimum-coverage policy, the average annual premium is $2,707. The average annual premium for a full-coverage policy is $3,961.
GEICO offers the cheapest average car insurance rates for D.C. drivers, with an average monthly rate of $81 for minimum coverage. Other insurers with relatively cheap car insurance rates include Erie and State Farm.
Washington, D.C., drivers pay an average monthly rate of $278 for auto insurance. By coverage level, the average cost of coverage is $226 per month for minimum coverage and $330 for full coverage.
Erie Insurance and State Farm are some of the best car insurance companies for D.C. drivers. Erie earned top marks in the J.D. Power 2024 U.S. Auto Insurance Study. But the best car insurance company varies based on your situation. For example, a high-risk driver might find the best options through a particular insurer, while someone with a clean driving record may find better rates through a different insurance company.
Washington, D.C., requires drivers to purchase an insurance policy with at least $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 motorist bodily injury, and $5,000 per accident with a $200 deductible in uninsured motorist property damage.
Although minimum coverage is a cheap car insurance option, you can choose to pay for a more robust insurance policy if you want collision or comprehensive coverage. You can also purchase higher levels of bodily injury liability and property damage liability coverage.
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
- 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
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Edmunds. "Most popular cars in America."
- District of Columbia Department of Insurance, Securities & Banking. "How an Insurance Company Can Use Your Credit Score to Determine Your Premium."
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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.
Sarah has been a contributor at Insurify since September 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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