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

Chubb provides the cheapest SR-22 insurance in Washington, D.C., with monthly rates of $70 for minimum coverage and $268 for full coverage, 27% lower than the state's average. These rates reflect costs for 40-year-old drivers with a DUI on record. Erie and GEICO might offer better rates for your specific situation.

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

Chubb leads SR-22 insurance options in Washington, D.C., winning six out of seven categories we analyzed. While Erie offers the most affordable rates for drivers with racing violations, Chubb provides the lowest premiums across all other high-risk categories.

* 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.

Our analysis shows general winners for common categories, but finding the most affordable provider depends on your specific situation. The comparison below reveals the five cheapest insurance companies based on your age, gender, coverage needs, credit and driving history.

Chubb provides the most affordable SR-22 car insurance across Washington, D.C., with rates starting at $70 per month. You can review its rates for major cities in the district below.

* 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.

SR-22 car insurance in Washington, D.C., costs $1,798 annually for minimum coverage and $3,452 for full coverage policies. The district ranks 21st for minimum coverage affordability and 22nd for full coverage nationwide. Monthly premiums can range from $99 to $1,031, depending on your driving record and other risk factors.

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

Our analysis of SR-22 insurance in Washington, D.C., found that both Naval Anacost Annex and Washington have the same minimum coverage rates of $150 monthly. Below you can review costs for major cities in the district for both full and minimum required coverage policies.

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

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.