Car Insurance in Washington D.C.
- Erie offers the cheapest full coverage and liability auto insurance in D.C.
- Compare the cheapest car insurance quotes in D.C. from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Car insurance quotes in Washington, D.C.
The average cost for a six-month full coverage car insurance policy in Washington, D.C. is $1,352, which is 24% more expensive than the national average.[1] For drivers focused on affordability, GEICO consistently offers some of the lowest quotes for both liability and full coverage in the area.
Many D.C. residents (29%) feel they are paying too much.[2] Luckily, for Washingtonians, Erie Insurance is also the auto insurance company rated highest by J.D. Power in the region for customer satisfaction. If that sounds like you, companies like Erie may be a better fit.
- Erie Insurance offered the cheapest full insurance coverage in Washington, D.C. at $141/mo. *
- See the other cheapest full coverage insurance companies and best discounts in Washington D.C. ↓
- Erie Insurance offered the cheapest liability insurance in Washington D.C. at $59/mo*
- Read about the rest of the top and best companies in Washington D.C. ↓
- As a highly-rated regional carrier, Erie Insurance scored a 713 out of 1000 on J.D. Power's 2024 auto study.[3] For those eligible, USAA is also top rated by J.D. Power for Customer Service.
- Read about the rest of the top and best companies in Washington D.C. ↓
- The Zebra used 3rd party reviews from J.D. Power and AM Best as well as thousands of customer ratings in Washington D.C. to name Erie as the best overall company for Washington D.C. drivers.Â
- Read more about why we've ranked Erie as a great fit for many Washingtonians ↓
*Note:Â USAAÂ offers the cheapest rates in Washington D.C., but it's excluded from our list due to their strict eligibility guidelines. The Zebra focuses on providers accessible to most consumers. If you're eligible for USAA, it's an excellent choice.
Cheap full coverage insurance in Washington D.C.
In 2024, the average cost of a six-month full coverage policy in Washington, D.C., is $1,352. Full coverage remains a popular option, with 61% of The Zebra’s local customers exploring quotes for this level of protection.[2]
Although it comes at a higher price than liability-only insurance, Washingtonians can still find affordable full coverage and should consider starting with quotes from Erie, USAA (if they qualify), and Progressive.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $638 | $106 |
| Erie | $844 | $141 |
| Progressive | $974 | $162 |
| Nationwide | $1,244 | $207 |
| GEICO | $1,247 | $208 |
| State Farm | $2,029 | $338 |
| Allstate | $2,501 | $417 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Find the best coverage and price in Washington D.C. with The Zebra.
Cheap liability insurance in Washington D.C.
The average cost for a six-month liability insurance policy in Washington, D.C., is $540.[1]Â For our user profile, GEICO, State Farm, and USAA provide some of the most affordable liability coverage in the district.
Liability insurance costs much less than full coverage, as the level of protection directly impacts the premium. The table below highlights monthly and six-month liability insurance quotes from the most popular companies in Washington, D.C.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $270 | $45 |
| Erie | $352 | $59 |
| GEICO | $462 | $77 |
| Progressive | $591 | $99 |
| Nationwide | $596 | $99 |
| State Farm | $892 | $149 |
| Allstate | $955 | $159 |
Source: The Zebra
According to our data, 39% of Washington, D.C., drivers carry liability-only insurance. The District requires minimum liability limits of 25/50/10—providing $25,000 per person and $50,000 per accident for bodily injury, along with $10,000 for property damage per accident. D.C. drivers also are required to carry uninsured/underinsured motorist coverage of 25/50/5 to safeguard residents from being left with substantial out-of-pocket expenses due to another driver’s lack of insurance or insufficient coverage. For more information, explore our detailed breakdown of D.C. car insurance laws and coverage requirements.
The minimum insurance in Washington, D.C. will likely not be enough to cover the cost of serious accidents. Medical bills can quickly exceed $50,000, and property damage (the cost of replacing someone else's car or property) the $10,000 limit, let alone the mere 5,000 required for UM/UIM.
For better protection, we recommend raising limits to 50/100/50 and 50/100/10. Given D.C.'s high traffic and the state minimum coverage not protecting your vehicle, we also recommend adding comprehensive and collision coverage if your vehicle is newer or more expensive.Â
Renata Balasco, licensed insurance writer at The Zebra
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| USAA | $270 | $638 |
| Erie | $352 | $844 |
| GEICO | $462 | $1,247 |
| Progressive | $591 | $974 |
| Nationwide | $596 | $1,244 |
| State Farm | $892 | $2,029 |
| Allstate | $955 | $2,501 |
Source: The Zebra
Best Car Insurance Companies in Washington, D.C.
We named Erie Insurance the best car insurance provider in Washington, D.C., based on strong consumer reviews, competitive pricing, and third-party ratings from sources like J.D. Power and AM Best. Erie stands out for its relatively cheap premiums, excellent customer service, and extra features like accident forgiveness and diminishing deductibles.
Erie Insurance is a great choice for most drivers in Washington D.C. Praised for its personalized service and reasonable pricing, the company ranks highly for customer satisfaction across the region.[3, 4] The company is known for its straightforward claims process, lots of coverage options, and features.
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Relatively low prices
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High customer and claims satisfaction ratings
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Highly customizable coverage options
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ERIE Rate Lock
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Erie Auto Plus endorsement (diminishing deductible, waved deductible for some claims, extra loss of use coverage )
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Local agents
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Limited web-based services (e.g. inability to add Auto ID card to Apple Wallet)
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Only available in 12 states (only a concern if planning to move)
Best car insurance in Washington D.C. — honorable mentions
To determine the best companies, we looked at J.D. Power Auto ratings and consumer reviews we collected from nearly 3,000 drivers across Washington D.C. and the U.S.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $638 | $106 |
| Erie | $844 | $141 |
| State Farm | $2,029 | $338 |
Source: The Zebra
How did we pick what company has the "Best Value" in Washington D.C.?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2024 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Washington D.C.
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
How have car insurance costs in Washington, D.C. changed?
| Year | Avg. Annual Premium — Washington, D.C. | Yearly Change — Washington, D.C. |
|---|---|---|
| 2024 | $2,207 | $706 |
| 2023 | $1,501 | -$711 |
| 2022 | $2,212 | $755 |
| 2021 | $1,457 | $30 |
| 2020 | $1,427 | $34 |
| 2019 | $1,393 | -$188 |
| 2018 | $1,581 | -$215 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
If your rates are rising faster than expected, it’s time to compare quotes. The Zebra’s tool gives you personalized options—just enter your ZIP code to find a policy that fits your budget.
Find your best value insurance match with The Zebra.
Washington D.C. auto insurance quotes after an accident or ticket
It can be challenging to find affordable car insurance in Washington, D.C., after an accident. Insurers use your history of accidents and tickets to assess your risk level. Following an at-fault accident, premiums can increase as much as $1,143.
Below is how much top insurance companies in Washington D.C. will charge you after an at-fault accident.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $892 | $149 |
| Erie | $1,104 | $184 |
| Progressive | $1,505 | $251 |
| Nationwide | $1,820 | $303 |
| GEICO | $1,907 | $318 |
| State Farm | $2,618 | $436 |
| Allstate | $3,328 | $555 |
Source: The Zebra
Zebra tip: Don't forget about claims satisfaction
Ideally, you’ll never have to file an insurance claim, but if you do, a hassle-free experience makes all the difference. In our 2024 Customer Satisfaction Survey, Erie ranked best for claims satisfaction and is a great choice for those living in Washington D.C.Â
In Washington, D.C., a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. How much depends on the violation, your insurer's pricing standards and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
See below average auto insurance rates in Washington, D.C. after a few common citations.
Source: The Zebra
The Zebra's guide to Washington D.C. car insurance laws for high-risk drivers
Violations like a DUI or driving without insurance in Washington, D.C., can lead to serious consequences, including higher premiums, license suspension, or even the need to file an SR-22 form to prove financial responsibility. These infractions can make finding affordable coverage more difficult, as insurers view these drivers as high-risk.
To better understand D.C.’s specific requirements and how violations impact insurance options, check out The Zebra’s comprehensive guide to D.C. car insurance laws and regulations. It offers practical tips and insights to help high-risk drivers find coverage that fits their needs.
Washington, D.C. DUI laws
In Washington, D.C., a DUI offense can increase your annual car insurance premium by over $1,370. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing or reckless driving.
Low-cost car insurance after a DUI in Washington, D.C.
If you're convicted of a DUI or DWI violation in Washington, D.C., it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Washington, D.C., Erie, advertises annual rates lower than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Washington, D.C. is Progressive, while the priciest firm is Allstate, with prices 58% above average.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $1,112 | $185 |
| USAA | $1,231 | $205 |
| Erie | $1,323 | $220 |
| GEICO | $2,316 | $386 |
| Nationwide | $2,390 | $398 |
| State Farm | $3,072 | $512 |
| Allstate | $3,073 | $512 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around. Compare and buy car insurance online or reach out to an insurance agent to assess your choices and find a cost-effective policy.
Washington, D.C. SR22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Washington, D.C. to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Washington, D.C. might require some research, but it could pay off in the end.
Â
How to acquire an SR-22 in Washington, D.C.
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company and ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
Â
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
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For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in Washington, D.C. in minutes!
Cheap auto insurance for teens and young drivers in Washington D.C.
Young drivers in Washington, D.C., face steep insurance premiums due to their limited driving experience. Teens typically pay over 100% more than drivers in their 20s and nearly 200% more than those in their 30s.[1]Â
On average, D.C. teens can expect to pay $5,135 per 6-month period or $689 per month for car insurance—well above national averages​
For affordable options, consider Erie Insurance, GEICO, and USAA. Erie offers competitive rates for high-risk drivers, while GEICO provides budget-friendly premiums and digital tools that make policy management easy. USAA is an excellent choice for military families, with low rates and top-notch service​.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $1,859 | $310 |
| Erie | $2,130 | $355 |
| GEICO | $3,086 | $514 |
| Nationwide | $3,882 | $647 |
| Progressive | $6,338 | $1,056 |
| Allstate | $7,088 | $1,181 |
| State Farm | $7,775 | $1,296 |
Source: The Zebra
Zebra tip: 3 ways young drivers can save on car insurance
- Complete an approved defensive driving course to qualify for discounts and reduce accident risk.
- Choose a less expensive car with good safety ratings and low repair costs over high-performance models.
- Stay on a parent's policy to save money and benefit from their good insurance history.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Erie | $2,382 | $397 |
| USAA | $2,710 | $452 |
| GEICO | $3,796 | $633 |
| Nationwide | $4,007 | $668 |
| Allstate | $8,900 | $1,483 |
| Progressive | $9,136 | $1,523 |
| State Farm | $10,346 | $1,724 |
Source: The Zebra
Washington, D.C. car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Washington, D.C. auto insurance.
Save money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
2024 Auto Insurance Study. J.D. Power
2024 Customer Satisfaction Survey. The Zebra
RECENT QUESTIONS ABOUT CAR INSURANCE IN D.C.
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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 editorial 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.