The cheapest car insurance in Washington, D.C. costs $117 per month for a full coverage policy from Geico. That’s a $63 savings from the average cost of insurance in the state, which is $180 a month.
“Drivers looking to get the cheapest insurance premiums in Washington, D.C. should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Washington, D.C. including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- Among the companies analyzed by CarInsurance.com, Geico stands out as the cheapest option for full coverage car insurance in Washington, D.C., with an insurance premium of $117 per month.
- Drivers in Washington, D.C. with a clean record pay 38% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Washington, D.C. is Washington, with an annual premium of $2,157 .
- Washington, D.C. drivers can save up to 35% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Car insurance companies with cheap car insurance in Washington, D.C.
Geico has the cheapest full coverage car insurance in Washington, D.C., at an average premium of $117 per month or around $1,408 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Washington, D.C. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in Washington, D.C. per month
| Company | Full Coverage Monthly Rates |
|---|---|
| Geico | $117 |
| Progressive | $124 |
| Erie Insurance | $132 |
| State Farm | $202 |
| Nationwide | $213 |
| Chubb Ltd | $233 |
| Allstate | $314 |
| USAA* | $103 |
Note: USAA is only available to military community members and their families.
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Washington, D.C. drivers who pay lower insurance premiums
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 4% less than single drivers.
- Washington, D.C. drivers with clean records pay 38% less than drivers who have a DUI on their record.
- Washington, D.C. drivers in their 20s pay 47% lower rates for insurance than a 16-year-old in Washington, D.C.
- Adding a teen to your policy will cost you 74% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 28% less on their insurance premiums.
- Drivers insured for three or more years can save up to 13% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 8% for this state more on their premiums.
Cheapest companies for different coverage levels in Washington, D.C.
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Chubb Ltd is the cheapest for a state minimum policy.
- Geico has the cheapest rates for a liability-only policy (50/100/50).
- Geico offers the cheapest car insurance for a full coverage policy (100/300/100) in Washington, D.C.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Washington, D.C.
Washington, D.C. requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $10,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in Washington, D.C., ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State Minimum Annual Rates |
|---|---|
| Chubb Ltd | $359 |
| Geico | $387 |
| Erie Insurance | $488 |
| Progressive | $622 |
| State Farm | $656 |
| Nationwide | $972 |
| USAA* | $423 |
Note: USAA is only available to military community members and their families.
Cheapest Washington, D.C. insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Washington, D.C., ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| Geico | $458 |
| Chubb Ltd | $490 |
| Erie Insurance | $628 |
| Progressive | $729 |
| State Farm | $849 |
| Nationwide | $1,286 |
| Allstate | $1,337 |
| USAA* | $506 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage car insurance in Washington, D.C.
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Washington, D.C., listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full Coverage Annual Rates |
|---|---|
| Geico | $1,408 |
| Progressive | $1,488 |
| Erie Insurance | $1,581 |
| State Farm | $2,426 |
| Nationwide | $2,558 |
| Chubb Ltd | $2,799 |
| Allstate | $3,769 |
| USAA* | $1,230 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in Washington, D.C. by driving history
In Washington, D.C., driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $753 more annually in Washington, D.C. than an individual with a clean driving record.
Cheap car insurance in Washington, D.C. after a speeding ticket
If you’ve got a speeding ticket on your Washington, D.C. driving record and need affordable car insurance, Erie Insurance might be the answer. With an average annual rate of $1,568 , Erie Insurance offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Washington, D.C.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| Erie Insurance | $1,498 | $1,568 | 5% | $70 |
| Progressive | $1,312 | $1,853 | 41% | $542 |
| Geico | $912 | $1,869 | 105% | $957 |
| State Farm | $1,787 | $1,951 | 9% | $164 |
| Chubb Ltd | $2,436 | $2,710 | 11% | $274 |
| Nationwide | $2,419 | $3,340 | 38% | $922 |
| Allstate | $3,803 | $4,420 | 16% | $618 |
| USAA* | $1,192 | $1,472 | 23% | $280 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after a DUI conviction in Washington, D.C.
Washington, D.C. drivers with a DUI on their record can get the cheapest car insurance from Progressive at an average of $1,634 a year, followed by State Farm with an annual premium of $1,951 annually, based on recent data.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 38% less than drivers with a DUI on their record.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| Progressive | $1,312 | $1,634 | 25% | $322 |
| State Farm | $1,787 | $1,951 | 9% | $164 |
| Geico | $912 | $2,210 | 142% | $1,298 |
| Erie Insurance | $1,498 | $2,251 | 50% | $753 |
| Nationwide | $2,419 | $4,481 | 85% | $2,063 |
| Allstate | $3,803 | $4,851 | 28% | $1,049 |
| Chubb Ltd | $2,436 | $5,531 | 127% | $3,095 |
| USAA* | $1,192 | $2,128 | 78% | $935 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after an at-fault accident in Washington, D.C.
If you’re a driver with an at-fault accident on your record, Geico is the cheapest option, offering car insurance at an average cost of $1,846 annually.
Erie Insurance is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,909 .
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| Geico | $912 | $1,846 | 102% | $934 |
| Erie Insurance | $1,498 | $1,909 | 27% | $411 |
| State Farm | $1,787 | $2,115 | 18% | $329 |
| Progressive | $1,312 | $2,780 | 112% | $1,469 |
| Chubb Ltd | $2,436 | $3,424 | 41% | $988 |
| Nationwide | $2,419 | $3,431 | 42% | $1,013 |
| Allstate | $3,803 | $5,202 | 37% | $1,399 |
| USAA* | $1,192 | $1,784 | 50% | $592 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Washington, D.C., Washington stands out as the city with the lowest auto insurance rates, at an average of $2,157 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
Find below a list of Washington, D.C. cities with the lowest car insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Washington | $2,157 |
| Washington Navy Yard | $2,157 |
Explore the top 10 factors that influence car insurance rates
How much can you save on car insurance in Washington, D.C.?
By comparing car insurance quotes, you can save an average of 35% per year for a full coverage policy in Washington, D.C.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Washington, D.C.: Save on premiums
Washington, D.C. drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Washington, D.C.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Air bags | 1% | $15 |
| Anti-theft device | 1% | $27 |
| Daily commute | 9% | $236 |
| Days advanced purchase | 6% | $164 |
| Days per week driven | 8% | $229 |
| Education | 5% | $59 |
| Electronic funds transfer | 4% | $125 |
| Electronic signature | 5% | $64 |
| Homeowner | 4% | $77 |
| Lower annual mileage | 4% | $60 |
| Loyalty – years renewal with company | 6% | $122 |
| Marital status | 4% | $79 |
| Multi policy | 8% | $180 |
| Paperless/electornic documents | 4% | $174 |
| Payment type | 12% | $267 |
| Primary use | 20% | $467 |
| Profession | 5% | $56 |
| Safety devices | 3% | $89 |
| Telematics | 10% | $188 |
| Years insured | 12% | $376 |
| Years licensed | 25% | $663 |
The bottom line on cheap auto insurance in Washington, D.C.
Based on our findings, Geico provides the cheapest rates for a full coverage policy in Washington, D.C. if you have a good driving record.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Washington, D.C. is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Washington, D.C. for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/10.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Washington, D.C.