Cheapest car insurance in Washington, D.C.

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According to Insure.com’s analysis, GEICO has the cheapest car insurance rates for most drivers in Washington, D.C. at $1,408 annually. However, your rates may be higher or lower based on personal factors such as your driving record, ZIP code and vehicle type.

To comply with Washington, D.C.’s car insurance laws, drivers must carry at least the minimum liability coverage required. It consists of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident.

However, many vehicle owners prefer to invest in full-coverage car insurance for better coverage and added protection.

Below, you’ll find which insurance companies are the most affordable for different categories.

Cheapest overall: GEICO

$1,408/year

National avg. rate

Cheapest for at-fault accident: Erie Insurance

$2,024/year

Avg. rate after an at-fault accident

Cheapest for speeding ticket: Erie Insurance

$1,658/year

Avg. rate after speeding ticket

Cheap car insurance companies in Washington, D.C.

At an average annual rate of $1,408, GEICO offers the cheapest car insurance in Washington, D.C., 35% less than the state average. Your premium may vary based on personal factors such as your driving record, ZIP Code and car type.

It’s important to compare quotes from various carriers to ensure that you get the best deal.

Below, you’ll find average annual car insurance rates from the most affordable insurance companies in Washington, D.C..

*Note: USAA only offers coverage to military members, veterans and their families.

How we choose the cheapest car insurance companies in Washington, D.C.

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

Cheapest ZIP codes for car insurance in Washington, D.C.

The 20001 ZIP code in Washington, D.C. has the cheapest auto insurance, with an average price of $2,157 annually. Discover the cheapest ZIP codes for car insurance in Washington, D.C. below.

Cheapest car insurance in Washington, D.C. by age

In Washington, D.C., young drivers often face higher insurance premiums than adults due to their higher likelihood of being involved in accidents and filing claims. According to an analysis by Insure.com, a 16-year-old driver pays $4,484 more for insurance than a 40-year-old driver.

Below are the cheapest auto insurance rates for Washington, D.C. drivers of different ages.

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Cheapest car insurance in Washington, D.C. by driver history

Insurers consider your driving history to be one of the most important factors in setting insurance rates. If you’re involved in an at-fault accident or convicted of a traffic violation, your premiums may increase. On the other hand, having a clean record makes you a low-risk driver and can lead to cheaper car insurance.

Cheapest car insurance after a speeding ticket in Washington, D.C.

Here are the top three companies offering affordable rates for car insurance after a speeding ticket.

• Erie Insurance: $1,658 per year
• Progressive: $1,900 per year
• State Farm: $2,608 per year

Insure.com data shows that a single speeding ticket in Washington, D.C. can result in a 24% or $513 increase in insurance rates.

Getting a speeding ticket involves paying a fine and potentially facing higher insurance premiums. For those looking to find the most affordable car insurance in Washington, D.C., below are insurers that provide cheap rates after a speeding ticket.

*Note: USAA only offers coverage to military members, veterans and their families.

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

Here are the top three insurers that provide cheap car insurance rates following an accident.

• Erie Insurance: $2,024 per year
• Progressive: $2,455 per year
• State Farm: $2,828 per year

Erie Insurance offers the cheapest car insurance rates for drivers following an at-fault accident, with an average car insurance cost of $2,024 annually.

If you’re found at fault, your insurance premiums may go up. However, you can still compare car insurance rates from different insurers to get the best deal.

Below are the companies offering the most affordable car insurance for drivers with an accident on your driving record.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after a DUI conviction in Washington, D.C.

Here are the top three insurers that provide affordable car insurance rates after a DUI conviction.

• Progressive: $1,701 per year
• Erie Insurance: $2,392 per year
• State Farm: $2,608 per year

A DUI conviction can have a significant impact on your car insurance rates, as most insurers will classify you as a high-risk driver and raise your rates accordingly.

The following table highlights insurance companies offering cheap car insurance rates for drivers with a DUI conviction.

*Note: USAA only offers coverage to military members, veterans and their families.

Average car insurance cost in Washington, D.C.

While full coverage insurance is more expensive than minimum liability insurance, many drivers find the extra cost worth it. In Washington, D.C., the average cost of full coverage car insurance is $262 more than the national average car insurance cost.

While multiple full coverage limits are available, Insure.com editors recommend getting a policy with 100/300/100 coverage limits for adequate protection.

What is full coverage car insurance in Washington, D.C.?

Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.

If you lease or finance your car in Washington, D.C., your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.

Final thoughts

When it comes to car insurance, everyone is looking for ways to save on premiums. However, cutting back on coverage to save a little money now could result in much higher costs later.

Before purchasing an auto insurance policy, consider your specific needs to ensure you purchase adequate insurance coverage. Since car insurance rates differ, it’s important to compare quotes from various companies to find the most affordable coverage 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 violation 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.