The cheapest full coverage car insurance in Washington D.C. is $117 , saving you $63 compared to the average cost of insurance in the state, which is around $180 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Washington D.C., such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
- 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.
Based on data analysis by CarInsurance.com, Geico provides the cheapest full coverage auto insurance rates for Washington D.C. drivers at a monthly rate of $117 or $1,408 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Washington D.C..
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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Who pays a lower insurance premium in Washington D.C.?
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- 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 Washington D.C. companies for different coverage levels
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.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
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 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Washington D.C.
In Washington D.C., all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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.
In the table below, see the average annual rates from Washington D.C.’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits are $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.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
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 | $1,408 |
| 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 auto insurance in Washington D.C. by driving history
Your driving history impacts insurance premiums in Washington D.C., as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Washington D.C., drivers with a history of traffic violation pay an average of $753 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
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.
Cheapest car insurance in Washington D.C. after a DUI conviction
Progressive offers the cheapest car insurance to Washington D.C. drivers with a DUI conviction at $1,634 per year and State Farm has the second-cheapest insurance premiums at $1,951 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 38% less than those with a history of DUI.
| 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 companies in Washington D.C. after an at-fault accident
Geico is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,846 .
Erie Insurance is the second most affordable option, providing full-coverage car insurance with an average annual premium 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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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Washington D.C. cities with the lowest auto insurance rates
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
Washington is the city with the lowest premiums in Washington D.C. at an annual auto insurance rate of $2,157 .
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
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..
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Washington D.C.: Save on premiums
In Washington D.C., car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Washington D.C. below.
| 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.
Our research shows that Geico has the cheapest full coverage car insurance rates in Washington D.C. for individuals with 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 is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
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
Managing Editor
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
Managing Editor
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.