- The average cost of car insurance in Washington, D.C., is $3,465 a year or $289 per month, based on our data analysis.
- Minimum liability coverage in Washington, D.C., costs around $918 annually for limits of 25/50/10, while liability-only coverage costs $1,052 per year for limits of 50/100/50.
- GEICO provides the most affordable annual rates for full coverage car insurance in Washington, D.C., costing $1,991 per year.
- In Washington, D.C., driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 28%, a DUI raising rates by 52%, and an at-fault accident by up to 59%.
Car insurance costs in Washington, D.C., vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. GEICO offers the cheapest annual rates for full coverage car insurance in Washington, D.C., at $1,991 annually.
This comprehensive guide to buying car insurance for Washington, D.C., drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Washington, D.C., works and how much insurance you need.
How much is car insurance in Washington, D.C.?
CarInsurance.com data found that drivers in Washington, D.C., pay $289 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in Washington, D.C., based on driver profile:
- Teen drivers in Washington, D.C., pay the most — about $1,057 a month or $12,679 a year.
- Young drivers in their 20s pay an average of $474 monthly or $5,689 annually, for car insurance.
- Senior drivers pay around $288 monthly or $3,452 a year.
- A speeding ticket can increase your rates to $369 monthly or $4,423 annually.
- An at-fault accident increases car insurance rates to $459 a month or $5,504 a year.
- Poor credit drivers usually see their car insurance costs increase to $782 monthly or $9,383 annually.
Average cost of auto insurance in Washington, D.C., by coverage level
In Washington, D.C., car insurance rates can differ depending on how much coverage you choose. Drivers in Washington, D.C., are required by law to have minimum insurance coverage limits of 25/50/10 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Washington, D.C., but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Washington, D.C., for different coverage levels.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $76 | $918 |
| Liability Only – 50/100/50 BI/PD | $88 | $1,052 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $289 | $3,465 |
State minimum car insurance in Washington, D.C.
Washington, D.C.’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $10,000 in property damage liability.
The state minimum car insurance cost in Washington, D.C., is $918 a year. However, this basic coverage only offers limited protection. Washington, D.C., drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Washington, D.C., must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Washington, D.C.
The average cost of liability-only insurance in Washington, D.C., is $1,052 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Washington, D.C.
On average, premiums for full coverage car insurance in Washington, D.C., cost $3,465 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Washington, D.C.
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Washington, D.C., pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Calculate car insurance rates by ZIP code in Washington, D.C.
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
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Estimate car insurance in Washington, D.C., by car model
In Washington, D.C., car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much you’ll pay for car insurance for your vehicle make and model in Washington, D.C.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Washington, D.C.
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Washington, D.C., drivers aged 30 to 60 have the lowest average auto insurance rates at $3,386 annually.
Drivers aged 16-19 pay $9,293 more for car insurance than Washington, D.C., drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $12,679 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $5,442 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $3,386 annually in Washington, D.C.
- For senior drivers: Drivers aged 65 and older can expect to pay $3,452 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Washington, D.C.
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Washington, D.C., a DUI conviction lead to increased rates and you may see a rate hike of up to 52% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Washington, D.C., be prepared for your car insurance rates to rise by up to 28% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 28% increase
- DUI conviction: 52% increase
- At-fault accident (bodily injury and property damage): 59% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Washington, D.C., for high-risk drivers
In Washington, D.C., if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Washington, D.C.
In Washington, D.C., drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Washington, D.C., by getting quotes from different insurance companies.
Below are the details of Washington, D.C., car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| GEICO | $535 | $598 | $1,991 |
| Chubb | $359 | $443 | $3,300 |
| Progressive | $1,408 | $1,521 | $4,346 |
| Allstate | $1,436 | $1,696 | $4,827 |
| State Farm | $1,355 | $1,585 | $4,908 |
| USAA | $414 | $469 | $1,418 |
How much does car insurance cost in Washington, D.C., per month?
In Washington, D.C., a full coverage car insurance policy with 100/300/100 limits typically costs about $289 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $76 |
| Liability Only – 50/100/50 BI/PD | $88 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $289 |
Final thoughts on choosing car insurance in Washington, D.C.
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Washington, D.C. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/10.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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