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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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.

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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:

Can my boyfriend remove me from policy without my knowledge?

Yes. He can remove you from the policy without your consent or informing you.

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.

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.

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.

Kristine Lee
Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.