Compare the Cheapest Car Insurance Quotes in Washington, D.C.

The average cost to insure a car in Washington, D.C. is $1,202 per year, cheaper than the national average. The most affordable option is GEICO, which has an average rate of $606. MoneyGeek analyzed the cheapest by coverage level and driving history. MoneyGeek also recommended the best options in Washington for those focused on quality and cost.

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Car insurance rates in Washington, DC depend on your coverage amount and driver profile. GEICO provides the cheapest state minimum and full coverage insurance policies in the city. It is also the cheapest insurer for drivers with speeding tickets. Military families can get affordable rates from USAA. MoneyGeek’s research determined GEICO is the best company for both affordability and service.

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The Cheapest and Best Car Insurance in Washington

The Cheapest Car Insurance Companies in Washington

On average, the cheapest car insurance providers in Washington for drivers looking for a full coverage policy are:

  • GEICO: $606 per year
  • Erie: $817 per year

Drivers with a military background are eligible for a USAA policy, which costs roughly $672 annually.

GEICO provides the most affordable full coverage car insurance and is almost 30% less than what the most expensive company, Nationwide, charges its customers. If you have a policy from Nationwide, you will pay an average of $1,790 annually.

Full coverage car insurance comprises both comprehensive and collision insurance. Your costs may vary from these average rates based on the coverage amount you choose.

Cheapest Car Insurance in Washington
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    GEICO
    $606
  • 2.
    USAA
    $672
  • 3.
    Erie
    $817
  • 4.
    State Farm
    $1,161
  • 5.
    Progressive
    $1,362
  • 6.
    Allstate
    $1,476
  • 7.
    Nationwide
    $1,790

MoneyGeek analyzed car insurance rates in Washington using a sample 40-year-old driver with a full coverage policy featuring limits outlined in our methodology.

While full coverage auto insurance costs more than the state minimum coverage, it also provides higher limits for at-fault accidents.

Full coverage policies contain liability coverage plus:

  • Collision Coverage: Coverage for damages to your car as a result of an at-fault accident or hitting a stationary object.
  • Comprehensive Coverage: This protects you from the cost of damage as a result of non-accident-related incidents like theft and vandalism.

A full coverage policy may have higher rates than the worth of your car if it is old. In this case, you will want to purchase a state minimum or liability only policy to ensure that you keep your costs affordable.

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Cheapest Car Insurance in Washington for Minimum Coverage

The state minimum liability-only car insurance policy is the most affordable option in Washington, DC. MoneyGeek’s research found that the cheapest state minimum car insurance in the city, on average, is from:

  • GEICO: $352 per year
  • Erie: $417 per year

Military families can get a policy from USAA at an average of $357 per year.

GEICO’s average annual cost is less than Progressive, which is the most expensive provider in the city at roughly $995.

The state minimum car insurance may be the cheapest, but it does not include comprehensive and collision coverage, which covers additional costs of damage in case of an accident. You can use the table below to see how rates change between varying coverage limits.

Cheapest Minimum Liability Car Insurance in Washington
State Minimum

In Washington, your state minimum car insurance policy should have a limit of 25/50/10 plus uninsured motorist coverage with 25/50/5 as the limits. Purchasing the minimum coverage means that you will pay less for your annual premium. However, if you cause an accident, you may need to cover some costs out of pocket.

For example, if you are involved in an accident and need to pay $70,000 in bodily injury for the accident, your policy will only cover $50,000. You will need to pay the rest of the amount out of pocket.

District Of Columbia Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
  • Uninsured Motorist
    $25,000 per person, $50,000 per incident and $5,000 for property damage. The minimum coverage may not be enough if you're in a serious accident.

Cheapest Car Insurance in Washington if You Have Driving Violations

Traffic violations can cause your car insurance rates to go up. However, your rates will vary depending on the violation. On average, the cheapest insurance companies in Washington, DC for full coverage if you have a violation are:

  • Cheapest after a ticket: GEICO, $751 per year
  • Cheapest after an at-fault accident: GEICO, $1,001 per year
  • Cheapest after a DUI: Erie, $1,227 per year

USAA provides the cheapest coverage for drivers with at-fault accidents and the second cheapest for those with speeding tickets and DUIs. However, these policies are limited to military families.

If you have a poor driving record, you can find affordable rates by shopping around. You can also improve your driving history to pay lower rates in the future.

Cheapest Car Insurance in Washington With a Violation
Speeding Ticket

Average Cost of Car Insurance in Washington

Washington$1,202
DC$1,202
U.S.$1,424

Many drivers in the capital pay more affordable car insurance rates compared to the national average. Car insurance companies in Washington, D.C., offer an average annual premium of $1,202, which is 15.6% cheaper than the average nationwide auto insurance rate.

Personalized Quotes to Get You the Cheapest Car Insurance in Washington

Your age, gender, marital status, credit history and driving history can all impact your car insurance rates in Washington, D.C. Drivers should get personalized quotes so that they can find the best premium based on their unique circumstances. As these factors change, people seeking better deals on their auto insurance should ask for updated quotes, compare rates from various car insurance companies, and they may be surprised to get discounts, rebates, promos and more.

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The Best Car Insurance Companies in Washington

If you are looking for an insurer that balances customer service and affordability, MoneyGeek scored the best providers in the city to help you find the best coverage. According to the findings, the best car insurance carriers in Washington for most drivers are:

  • GEICO: MoneyGeek score of 93 out of 100
  • Hartford: MoneyGeek score of 88 out of 100

USAA has an average score of 100 out of 100, but does not rank among the best insurers overall because its policies are not issued to non-military members. MoneyGeek determined the best insurers in the city based on financial stability, affordability and customer satisfaction scores.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:92.5

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

3
Hartford
Score:87.5

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

4
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
Travelers
Score:85

2/5

Affordability

5/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

6
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Nationwide
Score:77.5

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

8
Farmers
Score:75

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

9
CSAA
Score:75

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

10
Allstate
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

11
Plymouth Rock Assurance
Score:72.5

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

12
Liberty Mutual
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Average Cost of Car Insurance by Postal Code

Car insurance companies in Washington, D.C., don’t seem to break down location factors by ZIP codes to determine the best auto policy premium. You’ll often see auto insurance providers vary their rates depending on your ZIP code’s crime rate, records of accidents and theft incidents, road conditions and even weather. In Washington D.C., though, the average annual premium rate is consistent at $1,202 in all of its ZIP codes.

  • Zip Code
    State Minimumper year
  • 20002
    $1,202
  • 20009
    $1,202
  • 20011
    $1,202
  • 20019
    $1,202
  • 20020
    $1,202

Factors That Impact Insurance Costs in Washington

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Washington. How Washington ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities225th/300
handcuffs2 icon
Most Car Thefts46th/300
uninsured icon
Most Uninsured Motorists by State10th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall110th/300
umbrella icon
Most Rainy Days102nd/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Washington are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.