Who Has the Cheapest Car Insurance Quotes in Washington DC?

Who Has the Cheapest Car Insurance Quotes in Washington DC?

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

Currently insured?

The average cost of minimum coverage car insurance in Washington, D.C., is $967 per year, or $81 per month. For a full coverage auto insurance policy in the nation's capital, the average cost is $2,714 per year, or $226 per month.

Erie offers the lowest rates for both minimum and full coverage.

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Your rates will depend on factors such as your driving record and the coverages you select. Comparing quotes from several insurers can help you get the best rates.

Cheapest auto insurance in Washington, D.C.: Erie

The cheapest minimum coverage car insurance quotes in Washington, D.C., are offered by Erie, State Farm and Allstate.

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?

These three insurers together average $801 per year, or $79 per month — 17% cheaper than the D.C. average.

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

Rank
Insurer
Annual rate
1Erie$531
2State Farm$903
3Allstate$969
4Nationwide$1,197
5Progressive$1,273
6Geico$1,459
N/AUSAA$437
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Unlike full coverage, minimum coverage doesn't include comprehensive and collision insurance, which protect 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 $1,747 per year, or $146 per month.

Cheapest full coverage car insurance in Washington, D.C.: Erie

The most affordable full coverage auto insurance companies in D.C. are Erie, State Farm and Geico.

Erie's annual rate of $1,886 for full coverage is $828 less than the city average, a savings of $69 per month. Only Erie, State Farm and USAA cost less than the average.

Rank
Insurer
Annual rate
1Erie$1,886
2State Farm$2,076
3Geico$3,197
4Progressive$3,302
5Nationwide$3,474
6Allstate$4,139
N/AUSAA$925
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Cheap car insurance for drivers with prior incidents

An accident, a DUI, a speeding ticket or another incident on your driving record will almost assuredly raise your rates higher than those of other Washington, D.C., residents.

Cheapest car insurance in Washington, D.C., after an accident

D.C. drivers with an at-fault 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 are the most affordable for a full coverage auto policy with a prior accident history. The cheapest option, Erie, has an average annual rate of $2,377 per year, or 14% cheaper than the D.C. average.

Rank
Insurer
Annual rate
1Erie$2,377
2State Farm$2,488
3Geico$3,197
4Progressive$4,542
5Nationwide$5,438
6Allstate$5,731
N/AUSAA$1,314
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Just one accident and claim filing on your driving record can increase your car insurance quotes substantially.

Cheapest car insurance for people with a speeding ticket: Erie

Erie's full coverage rate for drivers with a speeding ticket is $301 cheaper than State Farm's rate, the second-cheapest option. Geico ranks third.

The Erie rate in the district is $1,981 per year, which comes out to $165 a month. A ticket, on average, raises annual rates $380 in Washington, D.C., a 14% increase.

Rank
Company
Annual premium
1Erie$1,981
2State Farm$2,282
3Geico$3,197
4Progressive$4,057
5Nationwide$4,180
6Allstate$4,816
N/AUSAA$1,147
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Cheapest car insurance for drivers with a DUI: State Farm

State Farm offers the best rates in Washington, D.C., after a drunken driving incident. The company's average rate for full coverage after a DUI is $2,282 per year, only 10% more than with a clean record.

Overall in the city, drivers pay 63% more after a DUI, an increase of $1,707.

Erie offers the second-best annual rate at $2,775 per year. Progressive is the next best with an annual premium of $3,929.

Rank
Company
Annual rate
1State Farm$2,282
2Erie$2,775
3Progressive$3,929
4Allstate$5,315
5Nationwide$7,382
6Geico$7,614
N/AUSAA$1,653
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Cheapest car insurance for married drivers: Erie

Married drivers tend to pay lower rates for insurance than other drivers, and in Washington, D.C., Erie offers the best rates for married couples.

The company's average premium for a married driver is $1,795 per year for full coverage, a 2% decrease. Married drivers pay on average 4% less than single drivers in D.C.

State Farm does not change its rates for married drivers.

Rank
Company
Annual rate
1Erie$1,795
2State Farm$2,076
3Progressive$2,784
4Nationwide$3,294
5Geico$3,392
6Allstate$4,059
N/AUSAA$832
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Cheapest car insurance for young drivers: Erie

Far and away the cheapest rates for full coverage for young drivers in Washington, D.C., are offered by Erie. The company's annual rate of $3,882 is 54% cheaper than the rate of the closest competitor, State Farm.

The average rate for 18-year-old drivers is $9,257. That is nearly three and a half times the rate for a 30-year-old driver.

Insurers consider younger drivers high-risk, so these drivers tend to pay considerably higher premiums.

Rank
Company
Annual rate
1Erie$3,882
2State Farm$7,009
3Geico$10,933
4Progressive$12,404
5Nationwide$13,013
6Allstate$14,304
N/AUSAA$3,255
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There are two key ways for a young driver to avoid paying the considerably more expensive premiums:

  • Looking for any discounts: Drivers can save money with discounts for good grades, safe driving, avoiding accidents and other things. When purchasing insurance, we advise checking all options and speaking to your insurer.
  • Joining a parent's car insurance policy: Putting another driver on a parent's policy will raise the price, but it will be cheaper than a child and parent having separate policies.

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.

ValuePenguin commissioned a survey to identify insurers across the country that left customers most satisfied. The best-rated insurers in D.C. were:

  • USAA
  • State Farm
  • Allstate

The survey gauged policyholder attitudes regarding satisfaction with their most recent claim and overall customer service.

Rank
Insurer
Percentage of respondents overall extremely satisfied with most recent claim
Percentage of respondents who rated customer service as "excellent"
1USAA78%62%
2State Farm73%46%
3Allstate72%47%
4Progressive74%34%
5Geico64%42%
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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.

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

The District of Columbia packs more than 705,000 people into 61 square miles, surrounded by a metropolitan area of nearly 6.3 million.

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 to 18 nearby cities.

Washington, D.C., is generally far more expensive compared to cities only a few miles away, such as Alexandria, Va., and Arlington, Va. 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, Md., offers quotes more expensive than in D.C.

Rank
City
Annual car insurance quote
1Reston, Va.$1,746
2Arlington, Va.$1,751
3Great Falls, Va.$1,822
4Falls Church, Va.$1,824
5Fairfax, Va.$1,828
6Alexandria, Va.$1,848
7Burke, Va.$1,870
8Springfield, Va.$1,900
9Bethesda, Md.$2,109
10Potomac, Md.$2,191
11Rockville, Md.$2,294
12Gaithersburg, Md.$2,350
Show All Rows
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Auto theft statistics in Washington, D.C.

Washington, D.C., had nearly 2,300 car thefts in 2019, a drop of more than 250 compared to the year before.

The rate of 325.6 auto thefts per 100,000 inhabitants was considerably higher than the rates of two of the larger cities nearby in the metro area.

City
Population
Car thefts
Thefts per 100,000
Washington, D.C.705,7492,298325.6
Alexandria, Va.162,258395243.4
Frederick, Md.73,0305372.6

Motor vehicle theft data was pulled from the FBI 2019 District of Columbia crime report.

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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 has no credit history, which makes him comparable to drivers with below-average credit.

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.

Source: FBI 2019 District of Columbia crime report

Ben Breiner is a senior writer at ValuePenguin specializing in auto insurance. He spent ten years in newspapers and has a degree in economics and journalism from the University of Wisconsin.

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.