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 onApril 15, 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. GEICO provides the lowest car insurance rates in Washington, D.C. at $1,991 a year. The average premium is $283 per month in Washington, D.C., though your actual rate may vary. Car insurance requirements differ by state. In Washington, D.C., drivers are required to carry at least the minimum liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident.Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.Below, you’ll find which insurance companies are the most affordable for different 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.Among all insurers in Washington, D.C., GEICO comes in lowest at $1,991 per year – $1,403 less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.Below are the annual premiums from the cheapest car insurance companies in Washington, D.C..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 20001 benefit from the lowest average premium in the state, at $3,394 per year. See the table below to find other ZIP codes in Washington, D.C. where insurance tends to be cheaper.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 ageTeen 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 $12,145 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. 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.A single speeding ticket in Washington, D.C. can push your rates up by 24%, or about $806. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.CompanyAverage annual premiumNew rate after accident% Increase$ 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. GEICO offers the lowest car insurance rates to drivers after an at-fault accident at $4,050 a year. If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ 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. 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 $881 more compared to the national averageWe 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 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 protectedWhen 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..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 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 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? 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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