- The average cost of car insurance in Washington, D.C., is $3,465 a year or $289 per month, based on our data analysis.
- Minimum liability coverage in Washington, D.C., costs around $918 annually for limits of 25/50/10, while liability-only coverage costs $1,052 per year for limits of 50/100/50.
- GEICO provides the most affordable annual rates for full coverage car insurance in Washington, D.C., costing $1,991 per year.
- In Washington, D.C., driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 28%, a DUI raising rates by 52%, and an at-fault accident by up to 59%.
The cost of car insurance in Washington, D.C., varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. GEICO offers the cheapest rates at $1,991 a year for full coverage.
This guide makes buying car insurance in Washington, D.C., easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in Washington, D.C., works and how much coverage you need.
How much is car insurance in Washington, D.C.?
In Washington, D.C., drivers pay an average of $289 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
See how rates change in Washington, D.C., based on driver profile:
- Teen drivers in Washington, D.C., pay the most – about $1,057 a month or $12,679 a year.
- Young drivers in their 20s pay an average of $474 monthly or $5,689 annually, for car insurance.
- Senior drivers pay around $288 monthly or $3,452 a year.
- A speeding ticket can increase your rates to $369 monthly or $4,423 annually.
- An at-fault accident increases car insurance rates to $459 a month or $5,504 a year.
- Poor credit drivers usually see their car insurance costs increase to $782 monthly or $9,383 annually.
Average cost of auto insurance in Washington, D.C., by coverage level
In Washington, D.C., the cost of car insurance can vary depending on how much coverage you purchase. Washington, D.C., drivers need at least the minimum insurance coverage limits of 25/50/10 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Washington, D.C. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Washington, D.C., for three different coverages.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $76 | $918 |
| Liability Only – 50/100/50 BI/PD | $88 | $1,052 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $289 | $3,465 |
State minimum car insurance in Washington, D.C.
Washington, D.C., laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $10,000 for property damage liability.
In Washington, D.C., you can get state minimum car insurance for $918 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Washington, D.C., must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Washington, D.C.
Liability-only car insurance costs $1,052 in Washington, D.C., for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Washington, D.C.
In Washington, D.C., you can expect to pay around $3,465 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Washington, D.C.
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of Washington, D.C., have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Calculate car insurance rates by ZIP code in Washington, D.C.
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in Washington, D.C., by car model
Car insurers in Washington, D.C., use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific make and model in Washington, D.C.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Washington, D.C.
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Washington, D.C., drivers aged 30 to 60 have the lowest average auto insurance rates at $3,386 annually.
Drivers aged 16-19 pay $9,293 more for car insurance than Washington, D.C., drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $12,679 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $5,442 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $3,386 annually in Washington, D.C.
- For senior drivers: Drivers aged 65 and older can expect to pay $3,452 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Washington, D.C.
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Washington, D.C., a DUI conviction lead to increased rates and you may see a rate hike of up to 52% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Washington, D.C., be prepared for your car insurance rates to rise by up to 28% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 28% increase
- DUI conviction: 52% increase
- At-fault accident (bodily injury and property damage): 59% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Washington, D.C., for high-risk drivers
In Washington, D.C., drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Washington, D.C.
In Washington, D.C., drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Washington, D.C., by getting quotes from different insurance companies.
Below are the details of Washington, D.C., car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| GEICO | $535 | $598 | $1,991 |
| Chubb | $359 | $443 | $3,300 |
| Progressive | $1,408 | $1,521 | $4,346 |
| Allstate | $1,436 | $1,696 | $4,827 |
| State Farm | $1,355 | $1,585 | $4,908 |
| USAA | $414 | $469 | $1,418 |
How much does car insurance cost in Washington, D.C., per month?
The average cost of a full-coverage car insurance policy in Washington, D.C., costs $289 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $76 |
| Liability Only – 50/100/50 BI/PD | $88 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $289 |
Final thoughts on choosing car insurance in Washington, D.C.
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2026.
- USAA. “How credit affects insurance premiums.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Washington, D.C. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/10.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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