Cheap Car Insurance Washington, D.C.

Even though Washington, D.C., car insurance can be quite expensive, there are many options for cheap coverage. Here, we’ll look at the cheapest car insurance companies and coverage options available beginning with the most affordable providers and coverage options.

Cheapest Car Insurance Companies in Washington, D.C.

The cheapest car insurance companies in Washington, D.C., are USAA, Geico, State Farm and Erie Insurance. In the table below we have broken down coverage and cost ratings and aggregated it into an overall rating for the company for you to compare.

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Washington, D.C.

Each car insurance company has different ways to calculate your premiums so no two quotes are the same. In light of this, we recommend comparing rates from multiple providers if you want to find the cheapest car insurance in D.C.

Cheapest Car Insurance Coverage Washington, D.C.

Depending on the coverage level you choose, car insurance rates may vary greatly. For most companies, quotes include estimates for minimum liability and full coverage car insurance. Minimum liability auto insurance is all that is required, but we recommend you consider full coverage as well.

Below are the cheapest car insurance options in D.C. for both coverage types.

Cheapest Minimum Liability Insurance in Washington, D.C.

Chubb Limited, Geico and USAA offer the cheapest rates for minimum liability coverage in the District of Columbia. Drivers in Washington, D.C., pay an average of $686 per year for minimum liability insurance. This figure is right around the national average of $627 per year.

Cheapest Full Coverage Insurance in Washington, D.C.

Our rate averages show the cheapest full coverage car insurance in D.C. costs as little as $185 per month. The table below shows full coverage averages from the cheapest car insurance companies in the nation’s capital.

You can generally expect low car insurance rates from USAA, Geico, Progressive and Erie Insurance. While these companies tend to offer the cheapest coverage, your D.C. auto insurance rates will vary depending on your driver profile and your vehicle.

Many factors go into calculating your car insurance rates, including age, driving history and credit scores. Below we compare cheap car insurance estimates for Washington, D.C., drivers in each of these categories.

Cheapest Car Insurance for Young Drivers in Washington, D.C.

Compared to older adults, young drivers typically pay more on average for car insurance policies. However, there are still cheap options available in Washington, D.C. The tables below show the cheapest car insurance for young drivers in D.C., along with average monthly and annual costs.

Cheapest Washington, D.C., Car Insurance for 16-Year-olds

Erie and USAA are among the cheapest providers in Washington, D.C., for 16-year-old drivers with their own policies.

Cheapest Washington, D.C., Car Insurance for 25-Year-olds

Allstate and Geico are also the cheapest car insurance providers for 25-year-old drivers in Washington, D.C.

Cheapest Washington, D.C., Car Insurance for Drivers With a Speeding Ticket

Drivers with recent speeding tickets can expect to pay more for their car insurance policies. In general, annual premiums skyrocket to an average of $2,626 for drivers with speeding violations on their records in Washington, D.C.

Cheapest Washington, D.C., Car Insurance for Drivers With a Recent Accident

Increased car insurance rates are inevitable after an at-fault car accident in Washington, D.C. Across the city, drivers with an accident on their record pay about $3,235 per year on average for insurance policies.

Cheapest Washington, D.C., Car Insurance for Drivers With a DUI

Motorists caught driving under the influence will likely be flagged as high-risk drivers by their insurance providers. D.C. drivers with a recent DUI conviction pay an average of $3,744 per year for car insurance coverage.

Cheapest Washington, D.C., Car Insurance for Drivers With Poor Credit

The average rate for Washington, D.C., car insurance coverage is $3,977 per year for those with poor credit. Car insurance companies weigh your credit score as a factor when providing car insurance quotes.

Below we have go into more detail about the best car insurance companies in Washington, D.C., their coverage, ratings and services offered:

Our rate averages show that Washington, D.C., drivers pay an average of $185 per month or $2,218 per year for full coverage car insurance. The average cost of D.C. car insurance is 10% higher than the national average of $2,008. According to the National Association of Insurance Commissioners (NAIC), Washington, D.C., is the fourth-most expensive area in the nation for car insurance.

Washington, D.C., Car Insurance Cost by Age

Car insurance rates are higher for younger drivers. Here are some average full coverage rates for drivers of different ages with clean driving records.

Factors That Affect Car Insurance Rates

As we’ve illustrated, factors like age, location and driving history play big roles in the cost of car insurance policies. Auto insurance rates in Washington, D.C., are hard to pin down because of these influences.

Factors That Affect Car Insurance Costs

Your car insurance rate will depend on how insurance providers weigh certain factors, such as: 

• Location
• Vehicle age, make and model
• Age, gender and marital status
• Driving history
• Credit score
• Deductible amount

Washington, D.C., requires drivers to carry liability car insurance and uninsured motorist coverage. Here are the minimum coverage details, according to the District of Columbia Department of Motor Vehicles:

• Bodily injury liability: $25,000 per person and $50,000 per accident
• Property damage liability: $10,000 per accident
• Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
• Uninsured motorist property damage: $5,000 per accident ($200 deductible)

If you want extra insurance coverage for your vehicle, consider purchasing a full coverage policy that includes liability insurance, comprehensive coverage and collision insurance.

Is It Illegal Not To Have Car Insurance in Washington, D.C.?

If you drive without car insurance in D.C., you will be fined. The first offense is $500 if you are caught driving without insurance. It will then increase by 50% for every subsequent violation, making the second offense $750 and the third $1,125.

How To Get Car Insurance in Washington, D.C.

Drivers can purchase auto insurance policies online or over the phone in Washington, D.C. If you have questions about a plan or provider, call the provider directly.

The easiest way to shop for car insurance in Washington, D.C., is to request car insurance quotes. This will allow you to compare coverage and price for the providers you’re interested in. We recommend reaching out to USAA, Geico, State Farm and Erie Insurance to find quality coverage at an affordable price.

In this article we went over the best low-cost car insurance options in Washington, D.C., and broke down the cheapest providers by driver profile, age and coverage. We also provided information regarding average rates for car insurance in D.C. as well as laws and regulation surrounding vehicle policies in the area.

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.