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.?
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.

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
Age Average 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 Factor Annual Rate % Increase
At-Fault Accident $2,092 40%
DUI $2,450 64%
Speeding Violation $1,782 19%

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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)

Allstate 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

 

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.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $2,526 69% $1,031
Refused Breathalyzer/Chemical Test $2,450 64% $955
DUI $2,450 64% $955
Racing $2,001 34% $506
Reckless Driving $2,221 49% $726
Driving with a Suspended License $2,361 58% $866
At-Fault Accident $2,092 40% $596
Driving with an Open Container $1,737 16% $242
Operating a Vehicle Without Permission $1,808 21% $313
Passing a School Bus $1,868 25% $373
Improper Passing $1,778 19% $283
Following Too Closely $1,778 19% $283
Speeding $1,782 19% $286
Failure to Stop at a Red Light $1,778 19% $283
Illegal Turn $1,778 19% $283
Driving Wrong Way/Wrong Lane $1,778 19% $283
Failure to Yield $1,778 19% $283
Speeding in a School Zone $1,766 18% $271
Driving Too Slowly $1,766 18% $271
Distracted Driving $1,758 18% $263
Driving with Expired Registration $1,676 12% $181
Failure to Show Documents $1,676 12% $181
Not-at-Fault Accident $1,540 3% $44
Failure to Use Child Safety Restraint $1,496 0% $0
Failure to Wear a Seat Belt $1,496 0% $0
Driving Without Lights $1,496 0%
$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:

Do all car insurance premiums increase every year?

Unfortunately, car insurance is reflective of both you and the surrounding environment. Meaning, the increase value of vehicles, rise in claims and cost of claims, and medical costs can all make insurance premiums increase.
Jun 23, 2018 Washington DC

Insurance company low balled claim payout

Although I do not have a claims license, my best advice would be to collect all the information you have from other contractors and speak with the claims adjuster assigned to your case. Most policies are written to reimburse the policy holder with comparable value as what they had before.
Jun 4, 2018 Washington DC

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

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.