Erie ranks as the best car insurance company in Washington, D.C., earning a MoneyGeek score of 4.84 out of 5 for its strong customer service, affordable rates and comprehensive coverage options. Since insurance needs vary by driver, we also recommend considering Chubb, GEICO, State Farm and Progressive.
Best Car Insurance in Washington, D.C.
Updated: January 28, 2026
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Washington, D.C., is Erie, ranking first in customer satisfaction with a perfect 5 out of 5 score.
Erie stands out for drivers with a DUI by offering the most affordable rates, while Progressive provides the best coverage options for drivers with new cars.
To find the best car insurance rates in Washington, D.C., decide what coverage you need, research provider options and compare plenty of quotes before making your choice.
Best Car Insurance Companies in Washington, D.C.
| Erie | 4.84 | $83 | 1 | 2 |
| Chubb | 4.63 | $73 | 2 | 4 |
| GEICO | 3.94 | $119 | 5 | 5 |
| State Farm | 3.81 | $147 | 4 | 5 |
| Progressive | 3.7 | $233 | 3 | 1 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Washington, D.C., by Driver Profile
Erie leads every category we analyzed for auto coverage. Our research shows Erie ranks as the best choice for all eight driver types, from young drivers to those with accidents or violations on their record.
| Young Drivers | Erie | 2 | 1 | 2 |
| Adult Drivers | Erie | 2 | 1 | 2 |
| Senior Drivers | Erie | 2 | 1 | 2 |
| Drivers With an Accident | Erie | 2 | 1 | 2 |
| Drivers With a DUI | Erie | 1 | 1 | 2 |
| Drivers With a Speeding Ticket | Erie | 2 | 1 | 2 |
| Drivers With Bad Credit | Erie | 2 | 1 | 2 |
| Drivers With Low Income | Erie | 2 | 1 | 2 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Washington, D.C., Car Insurance Recommendations
Your insurance needs may differ from our general recommendations for Washington, D.C., drivers. Compare these five top providers to find coverage that fits your specific situation.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| Erie Insurance | 0.22 | $140 | 1 | 2 |
| Chubb | 0.19 | $137 | 2 | 4 |
| Allstate | 0.16 | $285 | 6 | 3 |
| Progressive | 0.16 | $424 | 3 | 1 |
| State Farm | 0.14 | $277 | 4 | 5 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Washington, D.C., Car Insurance Reviews
See detailed service comparisons for our top-rated insurance providers below.
Erie
Best Customer Experience in D.C.
MoneyGeek Rating
4.8/ 5
4.9/5Affordability
5/5Customer Experience
4.2/5Coverage Points
Average Monthly Full Coverage Cost
$110For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$56For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.5/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Rate Lock Protection
Chubb
Best Cheap Car Insurance in D.C.
MoneyGeek Rating
4.6/ 5
5/5Affordability
4.4/5Customer Experience
3.1/5Coverage Points
Average Monthly Full Coverage Cost
$115For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$31For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.4/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Agreed Value Coverage
How to Find the Best Car Insurance in Washington, D.C.
Washington, D.C., has many car insurance options. Compare rates and coverage to find what fits your needs.
- 1Decide on coverage needs before you buy
Decide what coverage you need. Review your driving patterns, vehicle value and financial situation while ensuring you meet Washington, D.C., required minimums.
- 2Research average costs and discounts you may qualify for
Start by checking average car insurance costs in Washington, D.C., to establish a baseline for your situation. Look into savings opportunities like home and auto insurance bundles, usage-based insurance and good student discounts. Taking a defensive driving program can mean more savings.
- 3Look through provider customer experiences and coverage options thoroughly
Research customer reviews, claims handling processes and add-on coverages to find the company that meets your needs.
- 4Consider non-standard coverage options
Alternative options like manufacturer insurance, non-owner car insurance and pay-per-mile policies might better suit your needs. If you require an SR-22 in Washington, D.C., factor this into your provider selection.
- 5Compare plenty of quotes through multiple means
Shop around to find the cheapest option possible. Get quotes directly from insurers and comparison websites, as rates can vary between these sources.
- 6Reassess annually
Review your coverage and shop for new quotes each year to maintain the most competitive rate for your situation.
Best Washington, D.C., Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Erie is the top-rated company overall, while Chubb and GEICO are also good options for drivers in Washington, D.C.
Best Auto Insurance in Washington, D.C.: FAQ
Finding the right car insurance depends on your specific needs, so we'll answer common questions to help you choose the best coverage for your situation.
What is the best car insurance company in Washington, D.C.?
Erie leads car insurance providers in Washington, D.C., with an average monthly premium of $110 for full coverage.
What is the best car insurance company for minimum coverage in Washington, D.C.?
Chubb leads for minimum coverage in Washington, D.C., with an average rate of $372 per year.
What is the best car insurance in Washington, D.C., for young drivers?
Erie is the top choice for young adults, combining competitive rates at $113 monthly with excellent customer service and comprehensive coverage options.
What is the best car insurance for Washington, D.C., drivers who value customer service?
Erie leads customer experience with a 5 out of 5 rating. The company excels in their purchase experience, agent interactions, digital tools and claims handling processes.
What is the best car insurance in Washington, D.C., if you have driving offenses?
Erie leads the market for drivers with violations, offering monthly rates of $58 for minimum coverage and $115 for full coverage insurance.
How We Rated the Best Car Insurance in Washington, D.C.
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Washington, D.C. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We gathered quotes for different driver profiles and compared rates within Washington, D.C. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We checked other combinations to find the right fit for your situation.
- Customer experience (30% of score): Google reviews, J.D. Power, AM Best and Reddit show what customers think about each company. Washington, D.C., specific feedback gives an accurate score.
- Coverage options (10% of score): How many coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.