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

In our nation's capital, car insurance can be quite expensive. It's densely populated and its roads are prone to accidents - factors correlated with high costs. Our extensive analysis found that the average price in Washington, D.C. for a 30 year old male with a clean driving record was $2,074. Your quotes will depend on your circumstances and the coverage you want. To start comparing quotes, enter your zip code above for a list of auto insurance companies in your neighborhood.

Cheapest Car Insurance in Washington D.C.

We looked at several companies that serve the D.C. area and got quotes for a 30 year old single male driver. We got quotes from several different D.C. neighborhoods and averaged them together. Below you can see the top four insurers and how they compare to the city average.

The graph shows which companies are the cheapest for car insurance in Washington DC

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According to our analysis, GEICO offers the best full coverage rates for our 30 year old driver. Erie was a close second, followed by State Farm. The three companies averaged together are about 47% cheaper than the D.C. average. Below you may see the other companies we examined and how their prices compare.

Rank

Auto Insurance CompanyAverage Annual Rates

1

GEICO$1,314

2

Erie$1,347

3

State Farm$1,572

4

Progressive$2,246

5

Allstate$2,304

6

Liberty Mutual$2,748

7

Nationwide$2,984

How Do Car Insurance Costs Compare in the D.C. Metro Area?

Washington, D.C. is encircled by suburbs located in both Maryland and Virginia, from where many commute from. As a result, we were curious about how car insurance costs compare in those areas to the city itself. Overall we found the states of Maryland and Virginia to be cheaper, but cities and towns closer to D.C. tended to be the most expensive in those states.

Image shows how the average car insurance cost between maryland, virginia and DC compare

Maryland was slightly more expensive than Virginia based on our sample motorist at $1,325 per year compared to $1,185, but both were nearly half as expensive as D.C. itself.We then looked at the 25 closest cities to D.C. within Maryland and Virginia. The narrower sample size showed prices were indeed more expensive--but only by $20 on average. The 25 cities not including D.C. itself had a yearly rate of $1,345.

Washington, D.C. was still far more expensive than 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. The table below shows the 25 nearest cities to D.C. and their yearly rates.

City

Yearly Rate

Washington, DC

$2,074

Arlington, VA

$1,211

Alexandria, VA

$1,303

Silver Spring, MD

$1,487

Falls Church, VA

$1,286

Bethesda, MD

$1,346

College Park, MD

$1,679

Vienna, VA

$1,204

Springfield, VA

$1,250

Clinton, MD

$1,664

Potomac, MD

$1,340

Fairfax, VA

$1,266

Rockville, MD

$1,337

Burke, VA

$1,238

Bowie, MD

$1,452

Great Falls, VA

$1,256

Reston, VA

$1,199

Waldorf, MD

$1,397

Laurel, MD

$1,523

Herndon, VA

$1,217

La Plata, MD

$1,382

Gaithersburg, MD

$1,397

Germantown, MD

$1,328

Severn, MD

$1,268

Ellicott City, MD

$1,265

Ashburn, VA

$1,121

There was a slight trend where the further from D.C. you were in Maryland and Virginia, the cheaper car insurance became. The largest concentration of pricer cities were all within 30 to 45 minute drives of D.C. Overall, the five furthest cities were about $200 cheaper than the five closest. The below graph demonstrates this trend.

Image shows how the average car insurance cost between maryland, virginia and DC compare
The correlation is not perfect, but a trend nonetheless exists. Price will start to uptick again as one gets closer to Baltimore, which is shown as the highest data point in the graph above.

How Does D.C.'s Metro Area Compare With Other Major Cities' Metro Areas?

We also wanted to see how the price drop between D.C. and its metro area compared to other major cities and their metropolitan surroundings. We looked at quotes from New York City, Philadelphia and Baltimore and their connected metro areas and compared it to Washington, D.C. While each city was more expensive than its surrounding areas, D.C had the second biggest discrepancy of the four cities, behind Baltimore.

Graph shows how four large cities differ in car insurance price from their metro areas

Baltimore and its metro areas had about a 69% difference in price, far larger than the other three cities. By comparison, NYC and Philadelphia differed by 21% and 23% respectively, giving D.C. the second largest discrepancy. Interestingly, D.C. came out to be the overall cheapest of these four major East Coast Cities.

Costs Do Not Vary Much by Neighborhood within Our Nation's Capital

In several cities we analyzed, car insurance prices fluctuated within a cities boundaries. In D.C., that wasn't much the case. Between the different neighborhoods, price stayed relatively the same. It was a stark contrast from our findings in this study on Chicago, where price differed by nearly 20% between some Chicago neighborhoods. Below you can see how the highest and lowest average price in other major cities compare to Washington, D.C.

CitiesDifference b/w High and Low Avg Price

Washington, D.C.

0%

Atlanta

17%

Cincinnati

18%

Chicago

20%

Dallas

20%

Los Angeles

28%

Miami

32%

Minneapolis

44%

Boston

48%

Perhaps it is because the area size of Washington is nearly 3.5x less than Chicago, and 8x less than Los Angeles that price does not have much room to vary. On the other hand, Boston, the city with the largest difference, is only slightly larger than D.C.

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