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.
- Geico has the cheapest car insurance rates in Washington, D.C. for full coverage at $117 a month among the companies analyzed by the team of CarInsurance.com.
- In Washington, D.C., drivers with clean driving records pay 38% less than drivers with a DUI.
- The city of Washington has the lowest auto insurance rates in Washington, D.C., with an average premium of $2,157 per year.
- You can save up to 35% per year on your car insurance policy in Washington, D.C. by comparing price quotes from multiple insurers.
Which company offers the cheapest car insurance in Washington, D.C.?
Geico offers the cheapest car insurance rates in Washington, D.C. for a full coverage policy with an average premium of $117 per month or around $1,408 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Washington, D.C. by different insurance carriers for a full coverage policy.
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.
Who pays a lower insurance premium in Washington, D.C.?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- 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 records.
- 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.
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of 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 coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property 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 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 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 |
|---|---|
| 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.
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 | $1,408 |
| 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
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 $753 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, 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 premiums in Washington, D.C. after a DUI conviction
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.
If you have a clean record, you are likely to pay 38% less for car insurance than someone with a 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 rates in Washington, D.C. after an at-fault accident
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.
Check out the most affordable insurance options in your neighboring state
Average savings on car insurance in Washington, D.C.
If you compare car insurance quotes, you could enjoy an annual saving of around 35% on 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
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 car insurance in Washington, D.C.
Based on our research, if you are a good driver, Geico is the cheapest in Washington, D.C. for a full coverage policy.
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.
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs