Who Has the Cheapest Car Insurance Quotes in Washington, D.C.?

Who Has the Cheapest Car Insurance Quotes in Washington, D.C.?

Find Cheap Auto Insurance Quotes in Washington, D.C.

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The average cost of minimum-coverage car insurance in Washington, D.C., is $1,260 per year, or $105 per month. For a full-coverage auto insurance policy in Washington, D.C., the average cost is $2,793 per year, or $233 per month. Your rates will depend on factors such as your driving record and the coverages you select. To start comparing D.C. car insurance quotes, enter your ZIP code above.


Cheapest for minimum liability

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Cheapest for full coverage

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Cheapest for drivers with an accident

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Best for customer service

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Cheapest car insurance companies in Washington, D.C.

The cheapest minimum-coverage car insurance quotes in Washington, D.C., are offered by:

  • Erie
  • State Farm
  • Allstate
The graph shows which companies are the cheapest for car insurance in Washington, D.C.
The graph shows which companies are the cheapest for car insurance in Washington, D.C.

Find Cheap Auto Insurance Quotes in Washington, D.C.

Currently insured?
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These three insurers offer the best minimum-coverage rates and together averaged $942 per year, or $79 per month — 25% cheaper than the D.C. average.

The insurance companies with the most expensive auto quotes in D.C. were:

  • Progressive
  • Nationwide
  • GEICO

These companies had an average annual quote of $1,807, or 43% more than the D.C. average.

USAA offered the lowest-cost quotes overall; however, their policies are only available to current or former service members and their families.

Average cost of minimum-coverage car insurance among top D.C. insurers

RankInsurerCar insurance quote
1Erie$628
2State Farm$977
3Allstate$1,222
4GEICO$1,459
5Nationwide$1,657
6Progressive$2,304
N/AUSAA$571

Minimum-coverage car insurance meets D.C.'s minimum legal requirements.

Unlike full coverage, minimum coverage doesn't include comprehensive and collision insurance, which protects you from vehicle damage following a collision, theft, vandalism or natural disaster — regardless of fault.

While full coverage generally costs more, purchasing higher liability limits and adding comprehensive and collision coverage can offer useful financial protection after an expensive accident.

The average difference in cost between full- and minimum-coverage car insurance in D.C. is $1,533 per year, or $128 per month.

Who has the cheapest full-coverage car insurance quotes in Washington, D.C.?

The most affordable full coverage auto insurance companies in D.C. are:

  • Erie: $1,886 per year
  • State Farm: $2,076 per year
  • GEICO: $3,140 per year

These three car insurance carriers were the most affordable in D.C. for full coverage, offering annual auto quotes of $2,367 on average, or 15% less than the local average of $2,793.

The insurers with the most expensive auto quotes for full coverage in D.C. are:

  • Allstate: $4,139
  • Progressive: $3,592
  • Nationwide: $3,434

Who offers the cheapest full-coverage auto insurance in Washington, D.C., for drivers with an accident history?

D.C. drivers with an accident on their driving records may be able to find cheap full-coverage car insurance quotes at Erie, State Farm and GEICO.

These three insurance providers were the most affordable for a full-coverage auto policy with a prior accident history, offering average annual rates of $3,128 per year, or 20% cheaper than the D.C. average of $3,899 annually.

RankInsurerQuote before accidentQuote after accidentDifference
1Erie$1,886$2,377$491
2State Farm$2,076$2,488$412
3GEICO$3,140$4,520$1,380
4Progressive$3,592$4,978$1,386
5Nationwide$3,434$5,367$1,933
6Allstate$4,139$5,731$1,592
N/AUSAA$1,282$1,832$550
Quotes are for an at-fault accident causing $2,000 in property damage.

Just one accident and claim filing on your driving record can increase your car insurance quotes substantially.

When comparing full-coverage policy quotes for a driver with no accident history versus a driver with one accident, the cost difference is $1,106 a year.

Accident historyAverage annual quote
No accidents$2,793
One accident$3,899

The best-rated car insurance companies in Washington, D.C.

For D.C. residents, the cheapest car insurance companies may not be the best for customer service quality. In fact, some insurers are a better fit for certain types of drivers — depending on your individual circumstances.

Using complaint data from the National Association of Insurance Commissioners as a measure of customer satisfaction, we identified the top-rated car insurance companies in Washington, D.C.

The best insurers in D.C. were:

  • State Farm
  • Travelers
  • Allstate

We've listed the top 10 D.C. insurers by market share from best (lowest Complaint Index) to worst (highest Complaint Index).

RankInsurerComplaint Index
1State Farm0.57
2Travelers0.57
3Allstate0.65
4Erie0.79
5Progressive0.91
6GEICO0.92
7USAA1.14
8Liberty Mutual1.18
9Nationwide1.48
10American Family2.63

The NAIC's Complaint Index measures how many complaints each insurer receives relative to its market share of underwritten premiums and rates the quality of its customer service.

The lower the index, the fewer complaints a company received relative to its size, meaning customers were less likely to complain.

Auto insurance in Washington, D.C.: Minimum-coverage requirements

D.C. drivers are required to carry a minimum amount of auto insurance. D.C. only requires drivers to carry liability insurance and uninsured/underinsured motorist coverage with the following minimum limits:

  • Bodily injury (BI): $25,000 per person/$50,000 per accident
  • Property damage (PD): $10,000 per accident
  • Uninsured motorist BI: $25,000 per person/$50,000 per accident
  • Uninsured motorist PD: $5,000 per accident; $200 deductible

Although the above limits specify the lowest amount of car insurance coverage you can have to legally drive in D.C., we recommend motorists consider higher coverage limits. For example, we typically suggest that D.C. drivers match their liability coverage to what they have in total assets.

How do average car insurance costs compare in the D.C. metro area?

Many people commute to Washington, D.C., every day from the surrounding suburbs in Maryland and Virginia. That's why we compared car insurance costs in those areas against costs in D.C.

Overall, we found Maryland and Virginia to have cheaper auto insurance, especially in Virginia. But cities and towns closer to D.C. tended to have the most expensive auto insurance.

LocationMinimum coverageFull coverage
Virginia$607$1,498
Maryland$1,180$2,431
D.C.$1,260$2,793

We then looked at 20 cities within Maryland and Virginia that are close to D.C. Washington, D.C., was still generally far more expensive compared to cities only a few miles away, such as Alexandria and Arlington. That shouldn't come as a total surprise, however, considering those areas are much less congested and have fewer cars than the District. Only Clinton and College Park, Maryland, had quotes more expensive than D.C.

The table below shows the average annual cost of car insurance in 20 cities near D.C., ranked from cheapest to most expensive.

RankCityAnnual car insurance quote
1Arlington, VA$1,601
2Reston, VA$1,611
3Falls Church, VA$1,654
4Great Falls, VA$1,683
5Alexandria, VA$1,684
6Fairfax, VA$1,692
7Burke, VA$1,726
8Springfield, VA$1,756
9Bethesda, MD$2,209
10Potomac, MD$2,363
11Gaithersburg, MD$2,481
12Rockville, MD$2,516
13Ellicott City, MD$2,533
14Silver Spring, MD$2,633
15Waldorf, MD$2,645
16Laurel, MD$2,678
17Bowie, MD$2,707
18Washington, D.C.$2,793
19College Park, MD$2,830
20Clinton, MD$2,918

Methodology

We collected auto insurance quotes for Washington, D.C. from seven car insurance companies.

Our sample driver was a 30-year-old man who drives a 2015 Honda Civic EX. He had no credit history, which makes him comparable to drivers with below-average credit, according to our data source, Quadrant Information Services.

For a minimum-coverage policy, our sample driver had coverage equivalent to the minimum legal requirements in Washington, D.C..

For full-coverage car insurance quotes, our sample driver had a policy with the following limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

Average premiums are for illustrative purposes, as individual quotes will differ based on driving history, ZIP code, vehicle type, coverage limits and other factors.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.