Ben Luthi has been writing about personal finance for over a decade with the intent to help people improve their finances and lifestyle. He’s covered just about every personal finance topic under the sun for a variety of publications, including the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Shopping for car insurance can be difficult, and each person has different priorities when it comes to car insurance coverage.
To help you find the right fit, Insurify analyzed 50 car insurance companies to determine the best car insurance companies in Washington, D.C.
Here are our top five picks and why we chose them.
Best car insurance companies in Washington, D.C.
The best car insurance company for you depends on several factors, such as your coverage needs, budget, driving record, and age. As you shop around, it’s also a good idea to consider each insurer’s coverage options, discounts, and track record for customer satisfaction and claims handling.
Here’s a quick look at our top choices to help you and other Washington, D.C., drivers get started on your search.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9 /10
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.
$83/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.
$162/mo
4.0
Best choiceBased on 321 verified guest reviews and ratings
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (171)
Randall
April 23, 2025
Verified Review
I called to have my monthly premium taken off my debit card, and they waited for days to do it. I'm tired of paying $25 a month on overdraft fees when my insurance is $46.
I called to have my monthly premium taken off my debit card, and they waited for days to do it. I'm tired of paying $25 a month on overdraft fees when my insurance is $46.
Dorothy
April 22, 2025
Verified Review
Price Increase
Been great up till now. They gave me a $700.00 price increase. I have had no accidents, no claims, no tickets, nothing. I do not think that was warranted.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
867
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49
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+
Why we picked this company
Whether you need liability only or full coverage, Erie Insurance offers some of the cheapest auto insurance rates in Washington, D.C. The insurer has also received the top ranking for customer satisfaction in the Mid-Atlantic region for the past three years, according to J.D. Power.[1] It was also ranked third nationally for claims satisfaction.
The company offers a wide range of insurance products and even boasts a discount of up to 25% if you bundle your auto insurance with your home coverage.
Pros
No. 1 J.D. Power customer satisfaction rating in the Mid-Atlantic region
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
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.
$174/mo
4.2
Best choiceBased on 10,663 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,858)
Cynthia
April 24, 2025
Verified Review
Price Right
I'm looking for a lower price on a car that doesn't move out of my garage, but I would tell someone to definitely get your insurance coverage. It seems to be less than most of them around, and I was checking to see what the prices were.
Karen
April 23, 2025
Verified Review
Policy not honored, left with a dead car
My agent is phenomenal, but my full coverage was not upheld by State Farm’s policy that I bought into. Auto payments were on time, and I never filed a claim. Now I sit with a fairly new vehicle that will never run again due to parts that will never be manufactured again. Apparently, my full coverage doesn’t cover catastrophic explosions of faulty parts of the engine, nor what I have been suffering physically as a result of that incident that occurred while driving on the Turnpike at 65 mph with absolutely no warning signs, nor did my DIC (Dashboard Information Center) indicate that the vehicle was having major problems to warn me to get it to the dealership ASAP! Yes, I’m still with State Farm because I’m stuck with them until someone helps me with what, who, and where to go, as the car is still in a lien mode that was supposed to be paid in full in 2022. I’m afraid that I won’t get approved by any other insurance company with this situation that happened on Friday, April 7, 2023, and State Farm is still taking those monthly payments to this very day.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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++
Why we picked this company
Other than Erie, State Farm is the only insurer on this list with an above-average rating for claims satisfaction, according to J.D. Power. The insurance company has more than two dozen local agents in Washington, D.C., and it offers affordable rates for both liability insurance and full coverage.
State Farm also offers a host of discounts to help you maximize your savings.
Pros
Strong network of local agents
High J.D. Power claims satisfaction rating
Many discounts available
Cons
Accident forgiveness not available
Gap coverage not available
Below-average J.D. Power customer satisfaction rating in the Mid-Atlantic region
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9 /10
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.
$82/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.
$159/mo
4.1
Best choiceBased on 11,543 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,301)
Calvin
April 24, 2025
Verified Review
GEICO is good
GEICO is good. I just wish the rates were better.
Aline
April 23, 2025
Verified Review
Unbelievable
They charged me for a second driver, but there wasn't any second driver. I provided them with proof, and they ignored my concerns.
Javier
April 23, 2025
Verified Review
Excellent
Cada vez le suben el pago. Si es así, trataré de buscar otra compañía.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
834
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
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++
Why we picked this company
Among our top picks for best insurance companies in Washington, D.C., GEICO offers some of the lowest rates in the District, both for liability-only and full coverage. The insurer also provides more transparency about potential savings from discounts compared to other companies.
GEICO also offers a host of other insurance products, making it easy to keep all your coverages under one proverbial roof.
Pros
Low average rates
Many discounts available
Easy policy management
Cons
Rideshare coverage not available
Gap insurance not available
Below-average J.D. Power claims and customer satisfaction ratings
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9 /10
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.
$190/mo
4.7
Best choiceBased on 868 verified guest reviews and ratings
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (454)
Diana
April 23, 2025
Verified Review
We are retired, Florida rates are extremely expensive.
For us, we are retired and do not put more than 4,000 miles on our car each year. Despite this, the insurance rates in Florida are extremely expensive for us.
Victoria
April 21, 2025
Verified Review
Cancelled Policy
I had Travelers insurance through you for one year. Despite making no claims, my policy is being cancelled. You called to offer me a different policy that is over five times higher than my previous one. It feels like a bait and switch.
Eldon
April 20, 2025
Verified Review
Rate Increase for Uncontrollable Circumstances
They provide excellent service and have friendly staff. However, if your credit rating is low and you file a claim, followed by an identity theft incident with financial losses, they do allow you to catch up but increase your rates unreasonably.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
860
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
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++
Why we picked this company
Travelers doesn’t offer the cheapest rates, but its premiums are more competitive than many other insurers in Washington, D.C. What’s more, the insurance company’s good student, student away at school, and driver training discounts can make it an affordable option for young drivers.
Travelers also offers several other discount opportunities, and it has nearly three dozen agents in Washington, D.C.
Pros
Multiple discounts for younger drivers
Discount for hybrid and electric vehicles
Many local agents
Cons
Below-average J.D. Power claims satisfaction and customer satisfaction ratings
Must work with an agent to get a quote
Rideshare coverage not available in Washington, D.C.
USAA: Best for military members and their families
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
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.
$178/mo
4.9
Best choiceBased on 1,967 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,141)
Debra
April 24, 2025
Verified Review
Outrageous rates
We've been with USAA for well over 25 years and have never had a single claim. However, we're switching companies because their rates are outrageous. They don't even give a break to those of us who have never filed a claim!
Erik
April 24, 2025
Verified Review
USAA keeps raising prices for no reason
Prices keep rising, but no claims have been filed.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
881
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
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++
Why we picked this company
USAA specializes in working with the military community, including U.S. military members, veterans, pre-commissioned officers, and their families. The company offers competitive rates for full coverage for many D.C. residents.
As a member, you can also take advantage of several other financial products and services, including insurance, banking, loans, and investing. USAA also offers a variety of member perks and discounts, making it a good option for the more than 20,000 veterans living in Washington, D.C.[2]
Pros
Offers banking and other financial products and services
Above-average J.D. Power customer satisfaction rating in the Mid-Atlantic region
Discount for vehicles garaged on base
Cons
Available only to members of the military community
No local agents
No 24/7 customer support
Our editorial team analyzed regional and national auto insurance companies that sell policies in Washington, D.C., to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Washington, D.C.
While our top picks can help you get started with your hunt for the best car insurance, it’s important to do your own research to ensure you get the best of the best.
Here are some tips you can use.
Consider how much coverage you need
Insurers may differ in the types of coverage they offer, so you’ll want to consider your coverage needs, including the types and limits you choose.
Read reviews from policyholders
Take some time to read reviews from current and previous policyholders on websites like the Better Business Bureau (BBB) and Trustpilot. These reviews can give you an idea of what your experience might look like and help you avoid potential red flags.
It’s a good idea to read both positive and negative reviews to get a full picture.
Look at discounts and perks
While many auto insurers offer a variety of discounts, some may provide savings that are more tailored to you. For example, if you have young drivers at home, a company with more discounts aimed at them can help you mitigate some of the costs of insuring them.
You can also consider other benefits, such as accident forgiveness and vanishing deductible, that can help you save money in the event of a claim.
Shop around and compare quotes
Every insurer is different in how it sets rates, so it’s crucial that you take the time to shop around and get quotes from multiple companies. As you go about the process, make sure you use the same coverage information with each insurer so you’re comparing apples to apples.
Find the Best Coverage at the Right Price
Liability policies start as low as $81 per month in D.C.
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Average cost of car insurance in Washington, D.C.
The average cost of car insurance in Washington, D.C., is $230 per month for liability-only coverage and $343 per month for full coverage, according to Insurify data. That’s quite a bit higher than the national monthly averages of $105 and $196, respectively.
Over the past two years, car insurance rates in the District have spiked, with average full-coverage rates jumping 24% since 2023, according to Insurify’s latest study. That’s substantially higher than the 15% average increase nationwide.
Best car insurance in Washington, D.C., FAQs
As you consider your options for car insurance, here are some answers to common questions to help you make a decision.
How much is car insurance in Washington, D.C.?
The average D.C. driver pays around $286 per month for car insurance. Breaking things down a bit further, drivers pay around $230 for basic liability coverage or $343 for a more robust full-coverage policy.
What are the best car insurance companies in Washington, D.C.?
Insurify’s top choices for the best car insurance companies in D.C. include Erie Insurance, State Farm, GEICO, Travelers, and USAA.
What is the required auto insurance coverage amount in Washington, D.C.?
The minimum coverage requirements for drivers in Washington, D.C., include:[3]
Ben Luthi has been writing about personal finance for over a decade with the intent to help people improve their finances and lifestyle. He’s covered just about every personal finance topic under the sun for a variety of publications, including the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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