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.
In Washington, D.C., Chrysler Voyager and Mazda CX-5 have the cheapest car insurance rates, followed by Hyundai Venue and Chevrolet TrailBlazer, based on our research.
The table below highlights the most affordable vehicles to insure in Washington, D.C., including their average six-month full coverage 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.
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with 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.
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $1,254.
The table below compares car insurance rates for different sports cars in Washington, D.C.
| 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 equipped with high-end components and advanced systems, making them expensive to fix or replace and resulting in high insurance rates. Unlike luxury vehicles, smaller SUVs such as the Honda CR-V, Honda HR-V and Volkswagen Tiguan generally have lower insurance premiums.
Among luxury vehicles, the Acura RDX has the lowest insurance cost at $1,348 for a six-month full coverage policy. The Volvo XC40 and Cadillac XT4 also have affordable insurance rates at $1,358 and $1,401, respectively.
This table highlights the average full coverage insurance cost for different luxury vehicles for a six-month policy 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.
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $3,889 annually, which breaks down to $324 monthly.
The table below highlights the most affordable EVs to insure in Washington, D.C., including their average six-month full coverage premiums.
| 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.
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Mazda CX-5 costs an average of $4,595 to insure for an 18-year-old driver, whereas a Chevrolet TrailBlazer costs an average of $4,637 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Washington, D.C.?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $1,335 for a six-month full coverage policy to insure the Mini Cooper Electric, and you can expect to pay an average of $1,383 for the Hyundai Kona Electric for the same coverage.
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 among the most affordable cars to insure for 18-year-old drivers in Washington, D.C. On the other hand, vehicles like the Maserati Quattroporte, Nissan GT-R and Audi e-tron GT come with higher insurance costs for young drivers.
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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