Low-cost car insurance in Washington DC

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Drivers in Washington, D.C. can find the cheapest average premium with GEICO, at $1,408 per year. By comparison, the statewide average monthly cost is $180. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Washington, D.C. requires drivers to carry at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury per accident, and $10,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Washington, D.C., depending on your situation.

Low-cost car insurance businesses in Washington, D.C.

When comparing insurers in Washington, D.C., GEICO leads the pack with an annual average of $1,408. That’s 35% less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in Washington, D.C..

How we choose low-cost car insurance companies in Washington, D.C.

170+

Carriers reviewed

53M+

Quotes analysed

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ZIP codes examined

ZIP codes with the cheapest car insurance in Washington, D.C.

Drivers in 20001 benefit from the lowest average premium in the state, at $2,157 per year. See the table below to find other ZIP codes in Washington, D.C. where insurance tends to be cheaper.

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Low-cost car insurance in Washington, D.C. by age

Teen drivers in Washington, D.C. pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $4,484 more than a 40-year-old driver in Washington, D.C..

The table below shows low-cost car insurance rates for drivers of different ages.

Low-cost car insurance in Washington, D.C. by driver history

Your 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.

Just one speeding ticket in Washington, D.C. can raise your rates by 24% – $513 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

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. Erie Insurance has the lowest average rate at $2,024 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.

Low-cost car insurance after a DUI in Washington, D.C.

Being labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in Washington, D.C. offer the most affordable rates after a DUI conviction.

Average cost of car insurance Washington, D.C.

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Washington, D.C., the average cost of full coverage is $262 more compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Washington, D.C., your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

The bottom line on saving and staying protected

It’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..

Methodology

Insure.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 applied

1. 1 At-fault property damage accident over $2K
2. 1 At-fault property damage accident under $2K
3. At-fault bodily injury accident
4. Poor credit
5. DUI/DWI first offense
6. Speeding 30+ over limit
7. Speeding ticket 1-10 MPH over limit
8. Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

 

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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.