Cheapest Car Insurance in Washington, D.C.

Chubb offers the most affordable car insurance in the District, with an average monthly rate of just $31 and an annual cost of $372. This rate is $415 less than the district's average. These figures are sourced from Quadrant Information Services, reflecting the most budget-friendly options as of December 2024. Read our research methodology to see how we found the cheapest Washington, D.C., car insurance.

Chubb is the cheapest car insurance company for most drivers in Washington, D.C., with an average monthly cost of $73 for both minimum and full coverage. This rate is $25 less than the district's average. Erie, GEICO, Progressive and Nationwide also offer affordable options.

*We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.

Chubb offers the cheapest car insurance for most drivers in Washington, D.C. Your cheapest rate may vary based on your personal background. Here are the most affordable car insurance rates for various driving profiles in the area.

Read More: Cheapest Car Insurance

Chubb offers the cheapest rate, but Erie, GEICO and Progressive also provide cheap minimum liability coverage for DC drivers. Their average rates are all below the $66 district average. The table shows more rates and how they compare to the average.

Erie is the cheapest provider for full coverage auto insurance in Washington, D.C., with rates averaging $97 per month or $1,168 per year. These rates are much more affordable than the district's average. Check the table for other provider options.

Chubb has the cheapest rates for young adult drivers in Washington, D.C. A Chubb minimum coverage policy costs just $44 per month on average for 25-year-old drivers.

*We used minimum coverage for a 25-year old driver with good credit and no driving violations to determine the cheapest provider.

Chubb and Erie are top contenders for young drivers in the nation's capital looking for affordable auto insurance. Young adults can find minimum coverage with Chubb starting at $44 monthly, while Erie offers full coverage for $119. Rates vary based on your driving history, but these companies are a good starting point for budget-friendly options.

Read More: Cheapest Car Insurance for Young Drivers

Senior drivers in D.C. can find affordable rates with Chubb. Its monthly rate is just $29 on average for minimum coverage.

*We used minimum coverage for a 65-year old driver with good credit and no driving violations to determine the cheapest provider.

Chubb and Erie offer affordable car insurance for senior drivers in the nation's capital. Your quote may differ, but use the rates to guide your search for the best policy.

Read More: Cheapest Car Insurance for Seniors

Drivers in Washington, D.C., with a DUI, at-fault accident or speeding ticket are considered high-risk and pay more for car insurance. Premiums vary depending on the offense for high-risk drivers. Here are the best rates for drivers with these infractions.

Chubb offers the best rates for Washington, D.C., drivers with DUIs, averaging $64 per month ($773 per year) for minimum coverage. The table shows insurance providers and their average monthly premiums for drivers with DUIs in the area.

*We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.

Chubb offers the cheapest auto insurance after an at-fault accident with rates averaging $42 per month. Here are other insurers offering affordable coverage for drivers with accidents on their records. Rates apply to minimum coverage policies.

*We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.

Chubb offers the cheapest insurance for drivers with a speeding ticket, with rates at $34 per month. The table compares providers offering minimum coverage for drivers with a speeding ticket.

*We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.

Chubb is the cheapest car insurance provider for drivers with poor credit, offering an average monthly rate of $34 and an annual rate of $404 for minimum coverage. Review the table below for more options from other providers.

*These rates are based on a 40-year-old driver with bad credit and a clean driving record.

For affordable bundle home and auto insurance in D.C., consider top options. View more cheap companies for bundling policies in the table below.

*Rates are for a 40 year old driver with good credit and no driving violations

In Washington, D.C., the monthly average cost for full coverage car insurance is $131, while minimum coverage averages $66. Understanding these average costs of car insurance in Washington, D.C. helps you gauge if you're getting a fair deal on your policy.

The cost of car insurance in Washington, D.C., ranks 12th among the U.S. states and Washington, D.C. The more reasonable cost comes from factors like lower population density, fewer natural disasters and a reduced vehicle theft rate.

Washington, D.C., law requires all drivers to carry car insurance policies that meet the district's minimum coverage limits. These limits include $25,000 for bodily injury per person, $50,000 per accident and $10,000 for property damage per accident. Coverage for uninsured/underinsured motorists is also required at $25,000 per person and $50,000 per accident, with $5,000 for property damage.

If you finance or lease your car, you'll need to purchase comprehensive and collision insurance on top of the minimum liability coverages. A minimum liability auto insurance policy is the most affordable option, but it provides the least financial protection. Experts recommend choosing full coverage insurance with the highest deductible and liability limits you can afford to protect your finances.

Drivers with serious traffic violations, like speeding or drunk driving, might need to file for SR-22 insurance, which can increase premiums. Your insurance provider usually submits the SR-22 form, but check your policy details. The SR-22 is valid for three years from your last offense to ensure compliance with Washington, D.C., requirements.

Self-insurance is a common alternative to traditional car insurance in Washington, D.C. This option lets you cover financial risks yourself, meeting the district's minimum coverage requirements.

Fleet insurance is a practical choice for business owners. It covers multiple vehicles under one policy, simplifying management and ensuring compliance with local insurance laws.

MoneyGeek recommends that drivers get full coverage car insurance, which includes liability, collision and comprehensive coverage. We suggest the following liability limits for your protection:

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

Comprehensive coverage pays for damage to your car from events like theft, vandalism, severe weather or fire when you're not on the road. Collision coverage pays for repairs if your car is damaged in an on-road crash.

If you own a valuable car, you should have both comprehensive and collision insurance, even if it's not required by law. When choosing your deductible for these coverages, consider what you can afford to pay out of pocket before insurance covers the remaining costs.

Erie offers the cheapest full coverage car insurance at $97, while Chubb is top for minimum coverage at just $31. Cheap rates are tempting, but the least expensive option may not be the best. Experts advise getting as much coverage as you can afford for solid financial protection on D.C. roads.

We answer common questions about finding affordable car insurance in Washington, D.C., to help ensure you get the right protection for your needs.

Washington, D.C., drivers deal with unique insurance challenges: urban congestion, higher theft rates than suburban areas and parking that puts vehicles at risk. We analyzed rates across the district's diverse ZIP codes to help you find affordable coverage that fits D.C.'s specific driving environment.

Our driver profile: We analyzed rates for a 40-year-old male with a clean driving record, driving a 2012 Toyota Camry LE about 12,000 miles annually. We adjusted this profile based on age, driving record and car make and model to show how rates change for different D.C. drivers.

Why these choices matter: The 2012 Camry represents one of the most common vehicles on D.C. roads, a reliable, mid-value sedan that balances insurance costs with practical urban driving needs. The 12,000 annual miles reflects typical D.C. commuting patterns, where many residents combine driving with Metro use. A 40-year-old driver with a clean record shows standard pricing, though younger drivers and those with violations pay much more in the district's competitive insurance market.

Minimum coverage explained: Washington, D.C., requires higher minimum coverage than many states, including mandatory uninsured motorist protection. The district's minimums are $25,000 bodily injury liability per person, $50,000 per accident and $10,000 property damage per accident. You also need $25,000 uninsured motorist bodily injury per person, $50,000 per accident and $5,000 uninsured/underinsured property damage coverage. These higher requirements reflect D.C.'s urban density and accident costs.

Full coverage details: For full coverage policies, we used the district's minimum liability limits plus comprehensive and collision coverage with a $1,000 deductible. This deductible balances affordable premiums with manageable out-of-pocket costs if you need to file a claim. Full coverage protects your vehicle's value, which matters in D.C. where parking lot dings, theft and weather damage are common risks.

Bundle analysis: We also analyzed home and auto bundle rates using $250,000 dwelling coverage, $100,000 personal liability coverage and a $1,000 deductible for homeowners policies. Bundling can save D.C. residents 15% to 25% on combined premiums, which makes a real difference in this high-cost area.

ZIP code variations: Insurance rates vary across D.C. neighborhoods based on theft rates, accident frequency and claim history. We gathered quotes across multiple ZIP codes to show the full range of costs you might see, from lower rates in quieter areas to higher premiums in high-traffic zones.

These figures come from the D.C. Department of Insurance and Quadrant Information Services. Compare quotes from multiple providers to confirm the best rate for your specific location and driving profile.