Cheapest SR-22 Car Insurance in Washington, D.C.

Chubb offers Washington DC's cheapest SR-22 insurance at $835 for minimum coverage and $3,217 for full coverage. Its minimum coverage rate is $759 below the district average of $1,594, or around 48% cheaper, though full coverage remains expensive with Chubb's premium offerings.  

Progressive, the most expensive on our list, costs $2,591 for minimum coverage, actually 63% above the district average and $1,756 more than Chubb. Washington DC shows extreme price variation, making Chubb's niche positioning valuable for high-risk drivers looking for the most affordable price.

The table below shows the top five companies with the lowest SR-22 insurance rates in Washington DC.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Chubb frequently ranks as the lowest-cost SR-22 carrier across categories. The least expensive category is Drivers With Multiple Speeding Tickets, at $453 for minimum coverage SR-22 insurance with Chubb, while the most expensive is Drivers With Racing Violation, at $1,163 with Erie Insurance. The $709 spread shows how racing violations carry particularly steep penalties in the district.

Your individual premium depends on both the nature of your violation and the insurer's rating approach.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Naval Anacost Annex and Washington both show the same minimum coverage SR-22 rate at $835 (Chubb), with no difference between locations. The district's small geographic area results in uniform pricing across ZIP codes.

Even in compact urban areas, insurers may price uniformly when local risk factors don't vary significantly.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Erie stands as the best car insurance provider for SR-22 filing in Washington, D.C., offering an excellent balance of affordable rates, strong customer service and comprehensive coverage options. While Erie leads the pack, you should also consider GEICO, Chubb, Progressive and Allstate for your SR-22 insurance needs.

To comply with Washington, D.C., laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $10,000 property damage liability per accident

SR-22 certificates are required for three years in the district. This period can extend beyond three years if you don't maintain continuous coverage or have repeated offenses.

While SR-22 forms help drivers meet Washington, D.C.'s basic insurance requirements, additional regulations govern driving privileges and insurance coverage in the nation's capital.

In Washington, D.C., drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement length varies depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Washington, D.C.:

MoneyGeek analyzed hundreds of thousands of quotes across Washington, D.C. to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Washington, D.C. SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Washington, D.C.'s minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $10,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.