Cheapest Car Insurance in Washington, D.C., for 2026

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Updated: October 14, 2026

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Get the cheapest car insurance in Washington, D.C. below.

Cheapest Car Insurance by Coverage Type in Washington, D.C.

The cheapest full coverage in Washington, D.C., is Erie's at $110 a month, $5 less than Chubb's $115. Erie also holds the highest overall MoneyGeek score in the district at 4.84/5, a score that reflects policyholders reporting strong claims satisfaction and fewer complaints than competitors.

For minimum coverage, Chubb is cheapest in the district at $31 a month, $25 less than Erie's $56. Drivers keeping minimum coverage save the most with Chubb, but switching to full coverage later costs $115 a month at Chubb, $5 more than Erie's $110.

Minimum coverage in Washington, D.C., already includes UM/UIM, which puts drivers in the district ahead of most states before they pay for anything extra.

Your own car isn't covered under minimum coverage. Collision pays for damage when you cause a crash, and comprehensive pays for theft and weather damage. Collision and comprehensive coverage matter more in a city, where vehicle theft and parking damage are more frequent than in suburban or rural markets.

To compare the best car insurance in Washington, D.C. on price and service, see the rates in the table below.

Erie Insurance
$56
$110
4.84/5
Chubb
$31
$115
4.64/5
GEICO
$86
$152
3.95/5
State Farm
$96
$197
3.82/5
Allstate
$129
$226
3.59/5

Cheapest Car Insurance for Teens and Young Adults in Washington, D.C.

In Washington, D.C., Erie has the cheapest full coverage for drivers ages 16 to 19, at $310 a month at age 16. Chubb is cheapest for women ages 20 through 23, with rates ranging from $242 to $192 a month. Erie is also cheapest for 24-year-old drivers, at $138 a month for full coverage.

Washington, D.C., permits gender as a rating factor, though Erie charges both genders the same $310 a month for full coverage at age 16. These rates show which insurance company is cheapest for a driver at each age.

Teen rates in Washington, D.C., drop most at ages 21 and 24. At 21, the cheapest rate for women falls from $242 to $192 a month, and the cheapest rate for men falls from $245 to $208. At 24, both fall to $138 a month. Get new quotes at those two ages to find the lowest available rate for your driver.

16

Erie Insurance
$310
Erie Insurance
$310

17

Erie Insurance
$292
Erie Insurance
$292

18

Erie Insurance
$260
Erie Insurance
$260

19

Erie Insurance
$250
Erie Insurance
$250

20

Chubb
$242
Erie Insurance
$245

21

Chubb
$192
Chubb
$208

22

Chubb
$192
Chubb
$208

23

Chubb
$192
Erie Insurance
$207

24

Erie Insurance
$138
Erie Insurance
$138

25

Erie Insurance
$134
Erie Insurance
$134

Cheapest Car Insurance for Seniors in Washington, D.C.

For seniors in Washington, D.C., Chubb has the cheapest full coverage at $106 a month, $11 less than Erie's $117. Erie costs $11 more a month but has a higher customer experience score, 4.41/5 against Chubb's 4.12/5, and fewer complaints relative to Erie's size.

On claims service, Chubb ranked first among major U.S. auto insurers on CRASH Network's 2025 Insurer Report Card. In 98% of claims, a Chubb adjuster makes contact within six hours of the initial report.

Seniors who drive less than average can lower the $106-a-month rate through Chubb's low-mileage discount, and those who complete a defensive driving course qualify for an additional discount. If you're weighing Chubb's lower rate against Erie's higher customer experience score, the Chubb car insurance review has Chubb's full coverage details and scores.

Chubb
$106
4.12/5
Erie Insurance
$117
4.41/5
GEICO
$192
3.65/5
State Farm
$216
3.80/5
Allstate
$238
3.56/5

Cheapest Car Insurance for High-Risk Drivers in Washington, D.C.

Erie has the cheapest full coverage in Washington, D.C., after every violation type: $115 a month after a speeding ticket or texting violation, $5 more than Erie's $110 clean-record rate.

An at-fault accident brings Erie's rate to $142 a month, and a DUI raises the rate to $169, $59 more than the clean-record rate.

After a DUI, Washington, D.C., requires an SR-22 filing for three years from the conviction date, and Erie files the SR-22 directly as part of your policy.

For poor credit, GEICO is cheapest at $268 a month, $158 more than Erie's $110, the cheapest standard credit rate. Once credit improves, look into Erie. At standard credit, Erie is cheapest in Washington, D.C., at $110 a month, $158 less than the cheapest poor-credit rate.

Speeding Ticket
Erie Insurance
$115
4.41/5
At-Fault Accident
Erie Insurance
$142
4.41/5
DUI
Erie Insurance
$169
4.41/5
Texting While Driving
Erie Insurance
$115
4.41/5
Bad Credit
GEICO
$268
3.65/5

How to Get Cheaper Car Insurance in Washington, D.C.

Switch companies to save up to $116 a month in Washington, D.C., since Chubb and Erie are cheapest for different coverage types. Drop to minimum coverage to lower the rate further. Time your next quote after a violation and improve your credit to lower it too.

  1. 1
    Pick the right insurance company for your coverage type and save up to $116 a month

    Erie's $110 full coverage rate is $116 a month less than Allstate's $226 for identical coverage. For minimum coverage, Chubb is cheapest at $31 a month.

  2. 2
    Match your coverage level to your vehicle's value and save up to $79 a month

    The cheapest full coverage, Erie's $110 a month, costs $79 more than the cheapest minimum coverage, Chubb's $31, or $948 a year. For a vehicle worth less than $948, that annual premium may exceed what a total-loss claim would return.

    Minimum coverage in Washington, D.C., already includes UM/UIM, so dropping to minimum coverage doesn't leave you exposed to uninsured drivers the way it does in most states. Check whether your vehicle's value justifies the extra $948 a year with MoneyGeek's car insurance calculator.

  3. 3
    Get new quotes when your violation ages off and recover up to $59 a month

    At Erie, a DUI adds $59 a month and a speeding ticket adds $5. Once the rate increase clears, get new quotes from Erie instead of waiting for your insurance company to lower the rate. For a DUI, recovering the $59 also means waiting out the full three-year SR-22 period.

  4. 4
    Improve your credit score and recover up to $158 a month

    Poor credit raises the cheapest rate in Washington, D.C., from Erie's $110 a month to GEICO's $268, a $158 monthly difference. Credit is a permitted rating factor in the district, so improve your score before you apply for a new policy, then quote Erie first.

Cheap Washington, D.C. Car Insurance: FAQ

MoneyGeek analyzed car insurance rates for Washington, D.C., using data from Quadrant Information Services, collected from district insurance filing records across all residential ZIP codes in Washington, D.C. Carriers are required to file rates with the Department of Insurance, Securities and Banking of the District of Columbia before charging them, and these are filed rates, not estimates or online quote approximations.

The baseline driver profile is a 40-year-old man driving a 2012 Toyota Camry LE with a clean record, good credit and 12,000 annual miles. The profile was tested with 100/300/100 full coverage at a $1,000 deductible and Washington, D.C.'s required 25/50/10 minimum liability plus mandatory UM/UIM at 25/50 bodily injury limits with $5,000 property damage and a $200 deductible.

Profile variations include young drivers ages 16 to 25 on individual policies rated by gender, a senior driver at age 70, violation profiles with one variable changed at a time and a poor-credit profile. USAA is excluded from all tables because USAA policies are available only to military members, veterans and immediate family. Eligible drivers should include USAA in any quote comparison.

Washington, D.C., uses a choice fault system with optional PIP and requires SR-22 financial responsibility filings for DUI convictions for three years from the conviction date. Gender and credit are permitted rating factors in the district.

MoneyGeek scores carriers on three factors, with affordability accounting for 60% of the score (normalized rates across all carriers within each driver profile), customer experience accounting for 30% (based on J.D. Power survey results, NAIC complaint index, AM Best financial strength ratings, agent network ratings and Google Business ratings) and coverage options accounting for 10% (based on available add-ons and included benefits).

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

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