- According to recent data, GEICO offers the cheapest full coverage car insurance in Washington, D.C. at $166 per month.
- Washington, D.C. drivers with a clean driving record pay 52% less for car insurance than drivers with a DUI.
- Comparing price quotes from multiple insurers can help you save up to 43% per year on your car insurance policy in Washington, D.C.
You can find the cheapest full-coverage car insurance in Washington, D.C. for $166 a month from GEICO. It saves you $123 compared to the state average car insurance cost of $289 monthly.
Shopping for car insurance in Washington, D.C. can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“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.
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 $166 per month or around $1,991 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 | $166 |
| Chubb | $275 |
| Progressive | $362 |
| Allstate | $402 |
| State Farm | $409 |
| USAA* | $118 |
Who pays the lowest auto insurance premiums in Washington, D.C.?
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 9% less than single drivers.
- Washington, D.C. drivers with clean records pay 52% less than drivers who have a DUI on their record.
- Washington, D.C. drivers in their 20s pay 66% lower rates for insurance than a 16-year-old in Washington, D.C.
- Adding a teen to your policy will cost you 61% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 27% less on their insurance premiums.
- Drivers insured for three or more years can save up to 17% 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 12% for this state more on their premiums.
Cheapest Washington, D.C. companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
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 is the cheapest for a state minimum policy.
- Chubb 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 state minimum coverage in Washington, D.C.
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Washington, D.C., you must have at least the following insurance coverage on your car.
| 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, you’ll see average annual rates for major insurance providers in Washington, D.C., ranked from cheapest to most expensive for state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| Chubb | $359 |
| GEICO | $535 |
| State Farm | $1,355 |
| Progressive | $1,408 |
| Allstate | $1,436 |
| USAA* | $414 |
Cheapest liability-only coverage in Washington, D.C.
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, 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 |
|---|---|
| Chubb | $443 |
| GEICO | $598 |
| Progressive | $1,521 |
| State Farm | $1,585 |
| Allstate | $1,696 |
| USAA* | $469 |
Cheapest full coverage car insurance in Washington, D.C.
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in Washington, D.C. from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full coverage annual rates |
|---|---|
| GEICO | $1,991 |
| Chubb | $3,300 |
| Progressive | $4,346 |
| Allstate | $4,827 |
| State Farm | $4,908 |
| USAA* | $1,418 |
Learn more about who has the cheapest full coverage auto insurance
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Cheapest car insurance in Washington, D.C., by driving history
Your driving history affects how much you pay for insurance in Washington, D.C. because insurance companies use it to assess the risk associated with insuring a driver.
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 $1,523 more annually in Washington, D.C. than an individual with a clean driving record.
Cheap car insurance rates after a speeding ticket in Washington, D.C.
If you’ve got a speeding ticket on your Washington, D.C. driving record and need affordable car insurance, Chubb might be the answer. With an average annual rate of $3,756 , Chubb 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 |
|---|---|---|---|---|
| Chubb | $3,300 | $3,756 | 14% | $456 |
| GEICO | $1,991 | $4,189 | 110% | $2,198 |
| State Farm | $4,908 | $5,263 | 7% | $355 |
| Allstate | $4,827 | $5,602 | 16% | $775 |
| Progressive | $4,346 | $5,995 | 38% | $1,649 |
| USAA* | $1,418 | $1,760 | 24% | $342 |
Cheap car insurance rates after a DUI conviction in Washington, D.C.
CarInsurance.com analyzed insurance rates for Washington, D.C. drivers with DUI convictions and we found that GEICO provides the cheapest car insurance rates at an average annual premium of $4,810 . State Farm is the second-cheapest insurer at an average of $5,263 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 52% less than drivers with a DUI on their record.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| GEICO | $1,991 | $4,810 | 142% | $2,819 |
| State Farm | $4,908 | $5,263 | 7% | $355 |
| Progressive | $4,346 | $5,300 | 22% | $954 |
| Allstate | $4,827 | $6,040 | 25% | $1,213 |
| Chubb | $3,300 | $7,574 | 130% | $4,274 |
| USAA* | $1,418 | $2,573 | 81% | $1,155 |
Cheap car insurance companies in Washington, D.C. after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is GEICO, at $4,392 a year.
On the other hand, Chubb offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $4,665 .
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| GEICO | $1,991 | $4,392 | 121% | $2,401 |
| Chubb | $3,300 | $4,665 | 41% | $1,365 |
| State Farm | $4,908 | $5,693 | 16% | $785 |
| Allstate | $4,827 | $7,188 | 49% | $2,361 |
| Progressive | $4,346 | $8,276 | 90% | $3,930 |
| USAA* | $1,418 | $2,140 | 51% | $722 |
Check out the most affordable insurance options in your neighboring state
How much can you save on car insurance in Washington, D.C.?
By comparing car insurance quotes, you can save an average of 43% per year for a full coverage policy in Washington, D.C.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable 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 | 4% | $143 |
| Anti-Theft Device | 2% | $63 |
| Comp and Coll Deductibles | 19% | $658 |
| Daily Commute | 12% | $415 |
| Days Advanced Purchase | 6% | $210 |
| Days Per Week Driven | 8% | $276 |
| Education | 7% | $245 |
| Electronic Funds Transfer | 2% | $82 |
| Electronic Signature | 6% | $208 |
| Homeowner | 5% | $175 |
| Lower Annual Mileage | 5% | $159 |
| Loyalty – Years Renewal With Company | 7% | $237 |
| Marital Status | 9% | $306 |
| Multi Policy | 9% | $298 |
| Paperless/Electornic Documents | 3% | $95 |
| Payment Type | 11% | $375 |
| Primary Use | 11% | $379 |
| Profession | 7% | $250 |
| Safety Devices | 4% | $139 |
| Student Away At School | 20% | $704 |
| Telematics | 9% | $311 |
| Years Insured | 15% | $532 |
| Years Licensed | 30% | $1,027 |
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.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Washington, D.C., figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates 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.
*USAA is only available to military community members and their families.
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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