Low-cost car insurance in Washington DC

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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..

Company	Average annual rates
GEICO	$1,991
Nationwide	$2,847
Chubb	$3,300
Allstate	$4,591
State Farm	$4,774
Progressive	$4,835
USAA*	$1,418

*USAA is only available to military community members and their families.

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.

In Washington, D.C., drivers living in the 20001 ZIP code enjoy the lowest average annual premium at $3,394. Check the table below to see which other ZIP codes in the state have more affordable rates.

ZIP code	City	Average annual rates
20001	Washington	$3,394
20002	Washington	$3,394
20003	Washington	$3,394
20004	Washington	$3,394
20005	Washington	$3,394
20006	Washington	$3,394
20007	Washington	$3,394
20008	Washington	$3,394
20009	Washington	$3,394
20010	Washington	$3,394

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

Teenagers 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 group	Full coverage annual premiums
Teens (16-19)	$10,859
Young Adults (20-24)	$5,546
Adults (25-60)	$3,395
Seniors (65-75)	$3,430

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

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

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

A single speeding ticket in Washington, D.C. can push your rates up by 24%, or about $806. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Chubb	$3,300	$3,751	14%	$451
GEICO	$1,991	$4,088	105%	$2,097
State Farm	$4,774	$5,133	8%	$359
Allstate	$4,591	$5,301	15%	$711
Progressive	$4,835	$6,172	28%	$1,338
USAA*	$1,418	$1,755	24%	$337

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Washington, D.C.

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. GEICO is the lowest-cost option for these drivers, with an average annual premium of $4,050.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
GEICO	$1,991	$4,050	103%	$2,059
Chubb	$3,300	$4,651	41%	$1,351
State Farm	$4,774	$5,565	17%	$791
Allstate	$4,591	$6,233	36%	$1,642
Progressive	$4,835	$7,975	65%	$3,141
USAA*	$1,418	$2,132	50%	$714

*USAA is only available to military community members and their families.

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.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
GEICO	$1,991	$4,821	$2,830	142%
State Farm	$4,774	$5,133	$359	8%
Progressive	$4,835	$5,526	$692	14%
Allstate	$4,591	$5,820	$1,229	27%
Chubb	$3,300	$7,531	$4,231	128%
USAA*	$1,418	$2,556	$1,138	80%

*USAA is only available to military community members and their families.

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 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.

The bottom line on saving and staying protected

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost 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 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

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

Shivani Gite

Contributing 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.