Cheap Washington, D.C. Car Insurance

Find affordable auto insurance that works for you in Washington, D.C. Compare quotes from over 100 top companies.

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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

Here's what you need to know when driving in Washington, D.C.

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.


 

Affordable insurance companies in Washington, D.C.

What's the cheapest car insurance in Washington, D.C.?
RankCompany NameAvg. Annual Premium
1USAA$997
2GEICO$1,747
3State Farm$2,093
4Progressive$2,352
5Allstate$4,159

Compare quotes from dozens of insurance companies in Washington, D.C. by entering your ZIP code below.

Compare Washington, D.C. car insurance quotes from top providers.

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Cheap auto insurance for young drivers in Washington, D.C.

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.

 
D.C. AUTO INSURANCE PREMIUMS BY AGE
AgeAverage Rate
Teenagers$5,750
20s$1,963

 

Cheap auto insurance for bad drivers in Washington, D.C.

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.

DC AUTO INSURANCE BY RATING FACTOR
Rating FactorAnnual Rate% Increase
At-Fault Accident$2,09240%
DUI$2,45064%
Speeding Violation$1,78219%

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Top rated car insurance companies in Washington, D.C.

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)

AllstateAbove averageAverageSuperior4.3 / 5
GEICOAverageAverageSuperior4.4 / 5
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5
USAAExcellentExcellentSuperior4.6 / 5

 

Washington, D.C. auto insurance laws

In Washington, D.C., the state minimum coverage requirements are as follows:

Liability

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $10,000 per accident

Uninsured/Underinsured Motorist

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $5,000 per accident

Optional coverage in Washington, D.C. (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance

Read more about insurance requirements in the nation's capital.

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How tickets change insurance rates in Washington, D.C.

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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,52669%$1,031
Refused Breathalyzer/Chemical Test$2,45064%$955
DUI$2,45064%$955
Racing$2,00134%$506
Reckless Driving$2,22149%$726
Driving with a Suspended License$2,36158%$866
At-Fault Accident$2,09240%$596
Driving with an Open Container$1,73716%$242
Operating a Vehicle Without Permission$1,80821%$313
Passing a School Bus$1,86825%$373
Improper Passing$1,77819%$283
Following Too Closely$1,77819%$283
Speeding$1,78219%$286
Failure to Stop at a Red Light$1,77819%$283
Illegal Turn$1,77819%$283
Driving Wrong Way/Wrong Lane$1,77819%$283
Failure to Yield$1,77819%$283
Speeding in a School Zone$1,76618%$271
Driving Too Slowly$1,76618%$271
Distracted Driving$1,75818%$263
Driving with Expired Registration$1,67612%$181
Failure to Show Documents$1,67612%$181
Not-at-Fault Accident$1,5403%$44
Failure to Use Child Safety Restraint$1,4960%$0
Failure to Wear a Seat Belt$1,4960%$0
Driving Without Lights$1,4960%
$0

 

Washington, D.C. car insurance FAQs

How much does car insurance cost 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.

Is car insurance expensive in Washington, D.C.?

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.


 

Recent Questions:

Hit and run in a rental car?

Refusing to exchange insurance isn't really an option in the event of an accident as it's required by law. I would alert your insurance company and give them all the information available.
Jan 10, 2018 Washington DC

If I was rear ended, will I get a better payout if I file the claim with my company instead of the company of the other driver?

You won't be able to file multiple claims for the same accident. Your insurance company and the company of the other driver will settle on a final value for your car if it is considered a total loss so the payout would essentially be the same regardless of who pays the claim.
Oct 25, 2016 Washington, DC

Can my boyfriend remove me from policy without my knowledge?

Yes. He can remove you from the policy without your consent or informing you.
Dec 28, 2018 Washington, DC

Can I purchase a car and put it on my mom’s insurance if i don’t have a license?

You can add the car to your mom's policy as long as you are listed as a driver on the policy. Not all companies will insure you with a suspended license.
Sep 23, 2018 Washington, DC

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.