Home Car insurance Car insurance rates by state Low-cost car insurance in Washington DC Low-cost car insurance in Washington DC GEICO has the cheapest car insurance rates for Washington, D.C. drivers at $1,991 a year, based on Insure.com's data study. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani GiteShivani GiteShivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onMarch 18, 2026 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In Washington, D.C., GEICO offers the cheapest average premium at $1,991 per year. For comparison, the statewide average monthly cost is $283, though individual rates vary depending on your driving profile, location, and vehicle. Every state sets its own car insurance rules. In Washington, D.C., the minimum liability requirement is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident.For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.Below, we highlight which insurers provide the most affordable rates across different driver categories. Key Takeaways GEICO offers the lowest car insurance rates in Washington, D.C., at $1,991 per year, which is about $1,403 the state average.GEICO has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $4,050.The ZIP code 20001 has the low-cost car insurance rates in Washington, D.C., at an average annual rate of $3,394. Low-cost car insurance companies in Washington, D.C.GEICO offers the lowest car insurance rates in Washington, D.C., with an average annual premium of $1,991 per year. It’s $1,403 less expensive than the average car insurance cost in Washington, D.C.. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.Below are the annual rates from low-cost car insurance companies..CompanyAverage annual ratesGEICO$1,991Nationwide$2,847Chubb$3,300Allstate$4,591State Farm$4,774Progressive$4,835USAA*$1,418*USAA is only available to military community members and their families.Powered by:How we choose low-cost car insurance companies in Washington, D.C. 170+ Carriers reviewed 78M+ Quotes analysed 34K+ ZIP codes examined ZIP codes with the cheapest car insurance in Washington, D.C.Drivers in the 20001 ZIP code pay the lowest average annual premium in Washington, D.C., at $3,394. See which other areas of the state offer more affordable rates below.ZIP codeCityAverage annual rates20001Washington$3,39420002Washington$3,39420003Washington$3,39420004Washington$3,39420005Washington$3,39420006Washington$3,39420007Washington$3,39420008Washington$3,39420009Washington$3,39420010Washington$3,394Powered by: You might find interesting Explore related topics Car insurance calculator for teens in Washington DCCheapest SR-22 insurance in Washington D.C.Do you need insurance to register a car in Washington, D.C.?The best and cheapest car insurance in Washington, D.C.Washington D.C. car insurance calculatorBest and cheapest companies for home and auto bundles in Washington D.C.See more Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Low-cost car insurance in Washington, D.C. by ageTeenagers pay significantly more for car insurance than adults in Washington, D.C.. For instance, a 16-year-old driver pays $12,145 more on average than a 40-year-old.The following table shows car insurance rates by age group in Washington, D.C..Age groupFull coverage annual premiumsTeens (16-19)$10,859Young Adults (20-24)$5,546Adults (25-60)$3,395Seniors (65-75)$3,430Powered by:Low-cost car insurance in Washington, D.C. by driver historyYour driving record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable coverage.Low-cost car insurance after a speeding ticket in Washington, D.C.One speeding ticket in Washington, D.C. can cause your insurance rates to jump by 24%, or roughly $806 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseChubb$3,300$3,75114%$451GEICO$1,991$4,088105%$2,097State Farm$4,774$5,1338%$359Allstate$4,591$5,30115%$711Progressive$4,835$6,17228%$1,338USAA*$1,418$1,75524%$337*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after an accident in Washington, D.C.After an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. GEICO has the lowest average rate at $4,050 per year.If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Washington, D.C. with the most affordable rates for drivers with an accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseGEICO$1,991$4,050103%$2,059Chubb$3,300$4,65141%$1,351State Farm$4,774$5,56517%$791Allstate$4,591$6,23336%$1,642Progressive$4,835$7,97565%$3,141USAA*$1,418$2,13250%$714*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after a DUI in Washington, D.C.A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Washington, D.C. keep their premiums lower than others. The table below shows the most affordable options available after a DUI.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseGEICO$1,991$4,821$2,830142%State Farm$4,774$5,133$3598%Progressive$4,835$5,526$69214%Allstate$4,591$5,820$1,22927%Chubb$3,300$7,531$4,231128%USAA*$1,418$2,556$1,13880%*USAA is only available to military community members and their families.Powered by:Average cost of car insurance Washington, D.C.While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.In Washington, D.C., the average cost of full coverage is $881 more compared to the national average.We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.What is full coverage car insurance?Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.If you finance or lease your vehicle in Washington, D.C., your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.The bottom line on saving and staying protectedIt’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in Washington, D.C..MethodologyInsure.com gathered data from Quadrant Information Services to get car insurance rates in Washington, D.C.. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide. To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX. We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)We determined the premiums for a high-risk driver with the following incidents applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingShow more states No matches are found In case you missed it The most expensive and cheapest cars to insure in 2026 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2026? 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Low-cost car insurance companies in Washington, D.C.How we choose low-cost car insurance companies in Washington, D.C.ZIP codes with the cheapest car insurance in Washington, D.C.Low-cost car insurance in Washington, D.C. by ageLow-cost car insurance in Washington, D.C. by driver historyAverage cost of car insurance Washington, D.C.What is full coverage car insurance?The bottom line on saving and staying protectedMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330