Who Has the Cheapest Car Insurance Quotes in Washington, DC? (2022)

Who Has the Cheapest Car Insurance Quotes in Washington, DC? (2022)

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

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Erie had the best cheap car insurance in Washington, D.C., at $594 per year and $50 per month for minimum liability quotes.

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


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

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

Cheapest car insurance companies in Washington, DC

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

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The average cost of car insurance in DC is $923 per year, or $77 per month, for minimum liability.

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

Company
Annual rate
Monthly rate
Erie$594$50
State Farm$765$64
Allstate$993$83
Progressive$998$83
Nationwide$1,233$103
Geico$1,279$107
USAA$602$50

USAA is only available to current and former military members and their families.

Liability-only policies cover damage to the other driver and their car after an accident. Unlike full coverage, minimum coverage quotes don't include comprehensive and collision insurance, which protect you from vehicle damage after a collision, theft, vandalism or weather damage — regardless of fault.

While full coverage generally costs more, purchasing higher liability limits and adding comprehensive and collision coverage can help protect you after an expensive accident. It's also required if you have a car loan or lease. The average cost difference between full vs. minimum coverage car insurance in D.C. is $1,427 per year, or $119 per month.

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Cheapest full coverage car insurance in Washington, DC: State Farm

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

For a full coverage auto insurance policy in the nation's capital, the average cost is $2,351 per year, or $196 per month. State Farm's annual rate of $1,564 for full coverage is $787 less than the city average, a savings of $66 per month. Only Erie and State Farm cost less than the average.

Company
Annual rate
Monthly rate
State Farm$1,564$130
Erie$1,776$148
Progressive$2,399$200
Nationwide$2,865$239
Geico$3,201$267
Allstate$3,396$283
USAA$1,253$104

USAA is only available to current and former military members and their families.

Cheap car insurance quotes for drivers with prior incidents

An accident, a DUI, a speeding ticket or another incident on your driving record will raise your car insurance rates by at least 14%. Erie and State Farm have the best quotes for drivers without a perfect driving record.

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Cheapest car insurance after a speeding ticket: State Farm

State Farm’s full coverage rate for drivers with a speeding ticket is $149 cheaper than Erie's rate, the second-cheapest option. Progressive ranks third.

State Farm's average quote is $1,716 per year, which comes out to $143 a month. A ticket in Washington, D.C., on average, raises annual rates by $324 — a 14% increase.

Company
Annual rate
Monthly rate
State Farm$1,716$143
Erie$1,865$155
Progressive$3,042$254
Geico$3,201$267
Nationwide$3,394$283
Allstate$3,947$329
USAA$1,555$130

USAA is only available to current and former military members and their families.

Cheapest car insurance after an accident: State Farm

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

The cheapest D.C. car insurance company, State Farm, has an average annual quote of $1,868 per year, or 42% cheaper than average.

Company
Annual rate
Monthly rate
State Farm$1,868$156
Erie$2,239$187
Geico$3,201$267
Progressive$4,215$351
Nationwide$4,394$366
Allstate$4,694$391
USAA$1,806$151

USAA is only available to current and former military members and their families.

Just one accident and claim filing on your driving record can increase your car insurance quotes by 36%.


Cheapest car insurance quotes after a DUI: Erie

Erie offers the best rates in Washington, D.C. after a drunk driving incident. The company's average rate for full coverage after a DUI is $2,612 per year, or $110 per year less than the next cheapest company.

Progressive offers the second-best annual rate at $2,722 per year. Overall, D.C. drivers pay 84% more after a DUI, an increase of $1,975.

Company
Annual rate
Monthly rate
Erie$2,612$218
Progressive$2,722$227
Allstate$4,352$363
State Farm$4,819$402
Nationwide$5,905$492
Geico$7,621$635
USAA$2,247$187

USAA is only available to current and former military members and their families.

Cheapest car insurance for drivers with poor credit: State Farm

The best quotes for Washington, D.C., drivers with bad credit is State Farm. The company's average rates are $2,905 per year, $296 per year less than the next-cheapest option, Geico.

Poor credit raises rates an average of 49% for Washington, D.C., drivers. Although it's not connected to driving ability or driver's record, insurers have found poor credit to be an indicator of future claims.

Company
Annual rate
Monthly rate
State Farm$2,905$242
Geico$3,201$267
Progressive$3,768$314
Erie$3,959$330
Nationwide$4,074$340
Allstate$4,386$366
USAA$2,241$187

USAA is only available to current and former military members and their families.

Cheapest quotes for married drivers: State Farm

In Washington, D.C., State Farm offers the best quotes for married couples, with an average premium of $1,564 per year for full coverage.

Married drivers tend to pay lower rates for insurance than other drivers, about 1% less on average in D.C. Being married is correlated with safer driving, so many insurers offer slightly cheaper rates for married drivers.

Company
Annual rate
Monthly rate
State Farm$1,564$130
Erie$1,690$141
Progressive$2,423$202
Nationwide$2,720$227
Allstate$3,328$277
Geico$3,389$282
USAA$1,131$94

USAA is only available to current and former military members and their families.

Cheapest car insurance for young drivers: Erie

Far and away the cheapest rates for minimum coverage for teenage drivers in Washington, D.C., are offered by Erie. The company's annual rate of $1,175 is 51% cheaper than the rate of the closest competitor, State Farm.

The average minimum coverage quote for 18-year-old drivers is $3,300. That's more than double the rate for a 30-year-old driver. Full coverage for a young driver averages $8,222 per year.

Company
Liability only
Full coverage
Erie$1,175$3,655
State Farm$2,409$5,035
Geico$3,350$8,653
Allstate$3,608$11,664
Nationwide$4,247$10,286
Progressive$6,987$15,542
USAA$1,325$2,720

USAA is only available to current and former military members and their families.

Insurers consider younger drivers high-risk due to their lack of driving experience, so these drivers tend to pay considerably higher premiums. Young drivers can save on insurance by looking for discounts for good grades, safe driving or leaving their car home while away at school. New drivers can also save by joining a parent's car insurance policy, which will raise the cost but will be far cheaper than with separate policies.

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Best car insurance companies in Washington, DC

For D.C. drivers, the cheapest car insurance companies may not always be the best for customer service quality. We rate companies using a variety of factors, including coverage options, customer service and prices.

The good news is Erie is the best rated car insurance company in D.C. for customer service and coverage, along with having some of D.C.'s cheapest rates. Geico and Nationwide are also two strong choices for strong customer experience.

Company
Editor's rating
JD Power
AM Best
Erie
856A+
Geico
835A++
Nationwide
823A+
State Farm
852A++
Progressive
834A+
Allstate
830A+
USAA
896A++

Auto insurance requirements in DC

Drivers are required to carry minimum car insurance coverage in Washington, D.C., which includes liability insurance and uninsured/underinsured motorist coverage. However, most drivers should consider adding higher coverage limits to fully cover damage after an expensive accident.

  • 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
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Average car insurance costs in the D.C. metro area

DC's auto insurance quotes are some of the most expensive in the area, while popular DC commuter cities Alexandria and Arlington have some of the cheapest rates.

The District of Columbia packs more than 705,000 people into 61 square miles, surrounded by a metropolitan area of nearly 6.3 million. That's why Washington, D.C., car insurance is generally far more expensive compared to less congested cities only a few miles away, such as Alexandria and Arlington. Only Clinton offers quotes more expensive than D.C.

Rank
City
Annual car insurance quote
1Rockville, MD$1,351
2Laurel, MD$1,369
3Reston, VA$1,449
4Arlington, VA$1,451
5Fairfax, VA$1,506
Show All Rows

Frequently asked questions

How much is car insurance in Washington, DC?

Minimum coverage car insurance costs an average of $923 per year, while full coverage is $2,351 per year.

Is car insurance high in D.C.?

The average cost of car insurance in D.C. is more expensive than in most states in the country. The average cost for a minimum coverage policy is $923 per year, which is 18% higher than the nation's average. Washington, D.C., car insurance is expensive in part because of the high population density and traffic congestion.

Who has the cheapest car insurance in Washington, DC.?

Erie offers the cheapest auto insurance quotes in Washington, DC., at $594 per year. State Farm's rate of $1,564 per year is the best deal for full coverage.

Do you need car insurance in DC.?

Drivers in Washington, DC., are required to have car insurance that includes $25,000 in bodily injury coverage per person and $50,000 per accident, as well as $10,000 in property damage coverage. The requirements for uninsured motorist coverage are $25,000 per person and $50,000 per accident for bodily injury, plus $5,000 per accident (and a $200 deductible) for property damage.

Is car insurance cheaper in DC or Baltimore, Maryland?

The average price of car insurance is considerably cheaper in Washington, DC than it is in Baltimore. The average rate for full coverage in DC is $2,351 per year, compared to $2,977 per year in Baltimore.

Methodology

We collected auto insurance quotes for Washington, D.C. from top car insurance companies. Rates were for a 30-year-old man with average credit who drives a 2015 Honda Civic EX.

Full coverage policies included liability limits higher than state minimums plus collision and comprehensive coverage:

Coverage type
Coverage limits
Bodily injury liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
Property damage liability$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

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.

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.