Find affordable auto insurance that works for you in Washington, D.C. Compare quotes from over 100 top companies.
We've made shopping for the best cheap insurance in Washington, D.C. easy. Below, learn how the most common rating factors affect average premiums in the United State's capital. Or, submit your ZIP code above to compare personalized rates in minutes.
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | USAA | $997 |
| 2 | GEICO | $1,747 |
| 3 | State Farm | $2,093 |
| 4 | Progressive | $2,352 |
| 5 | Allstate | $4,159 |
Compare quotes from dozens of insurance companies in Washington, D.C. by entering your ZIP code below.
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Washington, D.C., the typical teen driver pays $5,750 per year — about four times what the average D.C. driver pays.
| Age | Average Rate |
| Teenagers | $5,750 |
| 20s | $1,963 |
If you have a clean driving record in Washington, D.C. — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 34% after a DUI, 37% after an at-fault accident, and 17% after a speeding ticket in Washington, D.C. Car insurance companies penalize DC drivers less severely after DUI violations than many other states. If you have a sparkling clean driving history, be sure to inquire about your insurer's safe driver discount.
| Rating Factor | Annual Rate | % Increase |
|---|---|---|
| At-Fault Accident | $2,092 | 40% |
| DUI | $2,450 | 64% |
| Speeding Violation | $1,782 | 19% |
Each auto insurer boasts about its low costs. But just like with any product, the cheapest choice isn't always the finest idea. Considering the stakes, it's worth doing the due diligence to find an insurance policy that protects your car completely in the event of a collision. Work to find the best value, rather than settling for the most affordable car insurance you can find.
Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers.
| Insurance Company | Claims Satisfaction (J.D. Power) | Customer Satisfaction (J.D. Power) | Financial Strength (A.M. Best) | Customer Satisfaction (The Zebra) |
| Allstate | Above average | Average | Superior | 4.3 / 5 |
| GEICO | Average | Average | Superior | 4.4 / 5 |
| Progressive | Below average | Below average | Excellent | 4.3 / 5 |
| State Farm | Above average | Above average | Superior | 4.5 / 5 |
| USAA | Excellent | Excellent | Superior | 4.6 / 5 |
In Washington, D.C., the state minimum coverage requirements are as follows:
Liability
Uninsured/Underinsured Motorist
Optional coverage in Washington, D.C. (varies by carrier):
Read more about insurance requirements in the nation's capital.
If you receive a ticket, your auto insurance rates may rise. By how much depends on the type of violation, your car insurance company's pricing standards, and differing local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at car insurance costs in Washington, D.C. after some common violations. Learn more about auto insurance regulations in Washington, D.C.
Car insurance in the District of Columbia has premiums that are relatively consistent with the national average: $732 for a 6-month policy or $122/month.
The average cost of auto insurance in Washington, D.C. is actually on par with the rest of the country as it's only 2.5% more than the average U.S. state.
