Best Car Insurance in Washington D.C. (2024 Service and Rates)

Erie takes the top spot in MoneyGeek’s ranking of Washington, D.C. car insurers. It’s particularly a nice option for young adults, seniors as well as those who’ve had mistakes on the road. People who are either looking for minimum coverage or excellent customer service may look at Chubb. Those with new cars may consider Allstate. Military members are recommended to go for USAA.

MoneyGeek also evaluated the cheapest car insurance in Washington, D.C. for drivers who need to cut down costs significantly.

MoneyGeek found that Erie is the best car insurance provider in Washington, D.C. The two leaders are:

• Erie: MoneyGeek score of 93 out of 100 ($817 per year)
• GEICO: MoneyGeek score of 90 out of 100 ($662 per year)

Erie's high ranking is attributed to its affordability and customer service. Those seeking cheap full coverage car insurance in Washington, D.C. can still secure a low rate by exploring the local market and comparing several providers.

Out of the seven insurance providers that we evaluated in Washington, D.C., Erie outperforms its rivals in terms of customer service and affordability. Erie’s annual premium for a full coverage policy costs an average of $817. GEICO is our runner-up choice, with policies costing an average of $662 per year — significantly less than that of its competitors. However, GEICO has a relatively low customer satisfaction score.

MoneyGeek only ranked insurers where data was available for all components (affordability, customer service, financial stability, etc.) of our scoring system.

Those who want excellent customer service, irrespective of cost, should look into Chubb. These car insurers offer the best customer service in Washington, D.C.:

• Chubb: MoneyGeek score of 93 out of 100 ($1,380 per year)
• Erie: MoneyGeek score of 91 out of 100 ($817 per year)

Chubb has the highest ratings for customer service and claims management, but this comes at a cost — the insurer has one of the most expensive annual premiums.

The best insurers for customer service go above and beyond in their customer interactions. Insurers that demonstrate quality customer service respond quickly to policyholders’ claims, questions and concerns. Chubb received the highest rating for customer service based on customer satisfaction ratings from J.D. Power and customer complaint data from the National Association of Insurance Commissioners (NAIC). Although Chubb’s average annual premium cost is higher than GEICO’s, the cheapest insurer, you’ll receive better service.

Chubb offers the best combination of customer service and affordability for minimum coverage insurance in Washington, D.C. Here are our top picks for policies that meet the state’s minimum car insurance requirements:

• Chubb: MoneyGeek score of 96 out of 100 ($372 per year)
• Erie: MoneyGeek score of 94 out of 100 ($395 per year)

While Chubb may give you the cheapest minimum coverage in Washington, D.C., a minimum liability policy may not provide enough liability protection, and it won’t cover damages to your own vehicle.

Cost is one of the most important factors to consider when choosing an insurance provider. While purchasing the cheapest insurance option is tempting, the best policy for minimum coverage will balance cost and customer service. Chubb offers the best minimum coverage car insurance policies in Washington, D.C., because it provides this balance — it's the most affordable and has the highest customer satisfaction ratings among insurance companies.

Erie provides the best car insurance in Washington, D.C., for young adults. Here’s a breakdown of our top picks:

• Erie: MoneyGeek score of 93 out of 100 ($997 per year)
• GEICO: MoneyGeek score of 90 out of 100 ($878 per year)

Erie has the second-best customer satisfaction rating and the highest rating for affordability. With GEICO, our runner-up choice, you’ll receive lower rates and inferior customer service.

While drivers in their 20s pay more than middle-aged drivers for car insurance, they pay less than teens. Consumers can search the market to save on insurance costs by looking for the cheapest car insurance for young drivers in Washington, D.C.

Young drivers will get the best insurance from companies that offer affordable rates, quality customer service and adequate coverage. Ideally, we recommend choosing a company that offers age-specific discounts, like the young safe driver discount.

Erie is our top choice due to its affordability, high customer satisfaction ratings and discount opportunities for young drivers. Compared to other insurers, like GEICO and Progressive, Erie is more well rounded.

Erie is the best insurer in Washington, D.C., for senior drivers. The following are the top insurance providers in the area:

• Erie: MoneyGeek score of 93 out of 100 ($827 per year)
• GEICO: MoneyGeek score of 90 out of 100 ($715 per year)

One of Erie’s most impressive qualities is its near-perfect satisfaction and affordability score — it provides quality care to its policyholders while offering an affordable plan.

It is worth noting that drivers in their 60s may be charged similar rates as those in their 30s or 50s, with costs increasing as drivers approach their 70s. Drivers can save money by researching different providers to find the cheapest car insurance in Washington, D.C., for senior drivers.

While senior citizens are safe drivers, they’re more likely to incur serious injuries if they get in an accident. Because of this, MoneyGeek recommends purchasing a full coverage policy from an insurer that offers personal injury protection (PIP). Erie is our top choice for seniors in Washington, D.C., because it offers affordable policies, provides quality customer service and has senior-specific discounts.

Erie is our top choice for drivers with violations (speeding tickets, DUIs, at-fault accidents). These are our top picks in this category:

• Erie: MoneyGeek score of 94 out of 100 ($1,041 per year)
• State Farm: MoneyGeek score of 89 out of 100 ($1,266 per year)

Erie has the highest affordability score and the second-highest customer satisfaction score among the insurers we evaluated.

Drivers with violations will pay more for insurance. In Washington, D.C., your premium will increase by an average of $126 for a speeding ticket, $356 for an at-fault accident and $514 for a DUI offense. Nevertheless, it’s still possible to find cheap car insurance in Washington, D.C., after an incident.

If you have a speeding ticket or other violation on your driving record, you could be facing steep insurance rates. However, a good insurance provider will offer relatively affordable rates and provide a variety of coverage options. Of the insurers we evaluated, Eerie was the most affordable and offered quality customer service. It also provided coverage options that may benefit drivers who have a history of violations, like new car replacement and accident forgiveness coverage.

Allstate is the best option for drivers of new cars in Washington, D.C. In this category, we evaluated insurers that offered new car replacement or better car replacement coverage and obtained quotes for a driver with a 2022 model.

Allstate received a MoneyGeek score of 90 out of 100. The insurer has an average premium cost of $2,486 per year. It scored highest for customer service and affordability while offering new car replacement coverage. This coverage is important because it will replace your new vehicle with a comparable one if it’s totaled.

If you have a new car, you’ll want to opt for an insurance company that offers new car replacement coverage for an affordable rate. In Washington, D.C., Allstate is the best insurer for drivers with new cars because it offers this coverage at a relatively affordable cost, while providing quality customer service.

USAA is our first choice for drivers affiliated with the military in Washington, D.C. The insurer earned a MoneyGeek score of 93 out of 100. On average, its policies cost $784 per year, the second-cheapest rate in this category. USAA's policies and coverages are specifically designed to meet the needs of military personnel and their families.

When it comes to finding the right car insurance, there are many factors to consider, like affordability, coverage options, financial stability and customer service reputation. While our review may identify some of the best auto insurers in Washington, D.C., you can find a reputable lender on your own by taking the following steps:

When looking for car insurance in Washington, D.C., your needs and preferences will determine the best lender for you. MoneyGeek answered commonly asked questions about car insurance below: