Car insurance premiums in Washington, D.C., can vary widely based on the vehicle you own. Insurers consider not only the make and model, but also safety ratings, likelihood of theft, cost of repairs and other factors, including age, location and driving record.
We’ve listed the most affordable cars to insure in Washington, D.C., by category, from sedans to sports cars and EVs.
Ranked: The cheapest cars to insure in Washington, D.C.
Our analysis shows that the Chrysler Voyager and the Mazda CX-5 have the lowest average insurance costs in Washington, D.C., with Hyundai Venue and Chevrolet TrailBlazer close behind.
Below, you’ll find a breakdown of the cheapest cars to insure in Washington, D.C., and their average six-month full coverage insurance premiums.
| Car make-model | Average six-month premium |
|---|---|
| Chrysler Voyager | $1,131 |
| Mazda CX-5 | $1,161 |
| Hyundai Venue | $1,162 |
| Subaru Forester | $1,174 |
| Chevrolet TrailBlazer | $1,174 |
| Subaru Crosstrek | $1,176 |
| Honda HR-V | $1,178 |
| Volkswagen Tiguan | $1,180 |
| Toyota Corolla Cross | $1,182 |
| Volkswagen Taos | $1,184 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Washington, D.C.
Auto insurance rates differ based on the type of vehicle. Typically, Van models have the lowest premiums, while Performance Car tend to cost the most to insure.
Whether you drive a sedan or a luxury vehicle, we’ve crunched the numbers to find out which models cost the least to insure by vehicle type and their average six-month full-coverage premiums.
Cheapest sedans to insure in Washington, D.C.
According to our data, the Volkswagen Jetta is the cheapest sedan to insure, with an average six-month full coverage premium of $1,318. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Nissan Versa ranks second on our list with an insurance cost of $1,337, followed by Subaru Legacy, which costs $1,345 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Washington, D.C., and their average full coverage six-month rates.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Volkswagen Jetta | $1,318 |
| Nissan Versa | $1,337 |
| Subaru Legacy | $1,345 |
| Chevrolet Malibu | $1,395 |
| Volkswagen Jetta GLI | $1,400 |
| Mazda 3 Sedan | $1,404 |
| Kia Forte | $1,414 |
| Toyota Camry | $1,427 |
| Honda Civic Sedan | $1,434 |
| Honda Accord | $1,435 |
| Nissan Sentra | $1,435 |
| Toyota Corolla | $1,444 |
| Hyundai Elantra | $1,464 |
| Mitsubishi Mirage G4 | $1,497 |
| Kia K5 | $1,504 |
| Nissan Altima | $1,507 |
| Hyundai Sonata | $1,518 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Washington, D.C.
In Washington, D.C., the Mazda CX-5 and Chevrolet TrailBlazer are some of the most affordable SUVs to insure with an average six-month full coverage cost of $1,161 and $1,174 respectively. See the table below for the complete list of affordable SUVs to insure.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Mazda CX-5 | $1,161 |
| Subaru Forester | $1,174 |
| Chevrolet TrailBlazer | $1,174 |
| Subaru Crosstrek | $1,176 |
| Honda HR-V | $1,178 |
| Volkswagen Tiguan | $1,180 |
| Toyota Corolla Cross | $1,182 |
| Volkswagen Taos | $1,184 |
| Buick Encore GX | $1,204 |
| Mazda CX-30 | $1,206 |
| Honda CR-V | $1,208 |
| Ford Escape | $1,211 |
| Buick Envision | $1,214 |
| Kia Seltos | $1,221 |
| Chevrolet Trax | $1,233 |
| Subaru Ascent | $1,233 |
| Toyota RAV4 | $1,236 |
| Chevrolet Equinox | $1,243 |
| Hyundai Tucson | $1,244 |
| Hyundai Kona | $1,246 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Washington, D.C.
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $1,254.
The table below highlights the average six-month full coverage cost of various sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,254 |
| Honda Civic Si | $1,456 |
| Subaru WRX | $1,594 |
| Toyota GR86 | $1,650 |
| Chevrolet Camaro | $1,654 |
| Ford Mustang | $1,721 |
| Subaru BRZ | $1,730 |
| Honda Civic Type R | $1,811 |
| BMW Z4 | $1,845 |
| Toyota GR Supra | $1,858 |
| Toyota GR Corolla | $1,883 |
| Porsche 718 Boxster | $2,036 |
| Chevrolet Corvette | $2,096 |
| Porsche 718 Cayman | $2,220 |
| Chevrolet Camaro ZL1 | $2,290 |
| Jaguar F-Type | $2,614 |
| Chevrolet Corvette Z06 | $2,660 |
| Nissan Z | $2,874 |
| Porsche 911 | $2,923 |
| Porsche 911 GT3 | $3,074 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Washington, D.C.
Luxury cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $1,348 for a full coverage six-month policy. It is followed by the Volvo XC40 ($1,358) and Cadillac XT4 ($1,401).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $1,348 |
| Volvo XC40 | $1,358 |
| Cadillac XT4 | $1,401 |
| Mercedes-Benz GLA-Class | $1,422 |
| Lincoln Corsair | $1,428 |
| Cadillac XT5 | $1,431 |
| Mercedes-Benz GLB-Class | $1,434 |
| BMW X1 | $1,469 |
| Jaguar E-Pace | $1,469 |
| Audi Q3 | $1,476 |
| Mercedes-Benz GLC-Class | $1,489 |
| Lexus RX | $1,494 |
| Acura MDX | $1,499 |
| Cadillac XT6 | $1,504 |
| Lincoln Aviator | $1,517 |
| BMW X2 | $1,526 |
| BMW X3 | $1,539 |
| Lexus NX | $1,540 |
| Alfa-Romeo Tonale | $1,547 |
| Acura Integra | $1,578 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Washington, D.C.
EVs generally cost more to insure than gas-powered vehicles because their batteries and other parts are expensive and repairing them often requires specialized labor.
Based on our analysis, insuring an electric vehicle costs an average of $3,889 annually, or $324 monthly.
The table below lists the most affordable EVs to insure in Washington, D.C., and their six-month average full coverage rates.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $1,335 |
| Hyundai Kona Electric | $1,383 |
| Kia Niro EV | $1,404 |
| Volkswagen ID.4 | $1,405 |
| Chevrolet Silverado EV | $1,430 |
| Subaru Solterra | $1,433 |
| Nissan Leaf | $1,544 |
| Toyota bZ4X | $1,571 |
| Genesis Electrified GV70 | $1,583 |
| Chevrolet Blazer EV | $1,590 |
| Hyundai Ioniq 5 | $1,651 |
| Audi Q4 e-tron | $1,656 |
| Mercedes-Benz EQB | $1,665 |
| Ford Mustang Mach-E | $1,695 |
| Volvo XC40 Recharge | $1,702 |
| Jaguar I-Pace | $1,731 |
| Ford F-150 Lightning | $1,753 |
| Kia EV6 | $1,777 |
| Volvo C40 Recharge | $1,791 |
| Cadillac LYRIQ | $1,800 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Washington, D.C.
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $4,595 to insure a Mazda CX-5, while insuring a Chevrolet TrailBlazer costs $4,637 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Washington, D.C.?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $1,335 to insure a Mini Cooper Electric for a six-month policy, whereas the insurance cost of a Hyundai Kona Electric is $1,383, according to our analysis.
Which SUVs are the cheapest to insure in Washington, D.C.?
The Mazda CX-5 is one of the cheapest SUVs to insure in Washington, D.C., with an average cost of $1,161 for a six-month car insurance plan. The Chevrolet TrailBlazer and Subaru Forester also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in Washington, D.C.?
The Mazda CX-5, Chevrolet TrailBlazer, Chrysler Voyager and Honda HR-V are some of the cheapest cars to insure for an 18-year-old driver in Washington, D.C. On the other hand, Maserati Quattroporte, Nissan GT-R and Audi e-tron GT are the most expensive vehicles to insure for a young driver.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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