In 2017, there were 26,459 traffic collisions reported in the District of Columbia. Every driver in Washington D.C. is required to carry a minimum amount of car insurance to cover their financial responsibility in the event of an at-fault accident.
The average annual cost of car insurance in Washington D.C. is $1,810 for full coverage insurance and $638 for minimum coverage insurance. However, there are a handful of insurance companies in the District of Columbia that offer below-average rates.
The cheapest car insurance in Washington D.C.
Drivers who are looking for the cheapest auto insurance in Washington D.C. have several options. The table below includes the cheapest car insurance providers in Washington D.C. and the average annual premium for minimum coverage and full coverage policies:
|Car Insurance Company||Average Annual Premium for Minimum Coverage||Average Annual Premium for Full Coverage|
Quadrant Information Services, 2020
USAA is one of the best insurance companies on the market, with the highest rating for overall customer satisfaction from J.D. Power in every region. However, USAA sells insurance exclusively to active duty military personnel and veterans.
USAA is known for offering exceptional customer service, good coverage and low rates. The average full coverage insurance policy from USAA costs $900 per year and the average minimum coverage policy costs $359 per year. There are also discounts for smart students, good drivers, taking a driver training course, being claims-free, insuring multiple cars and more.
Erie is a great option for Washington D.C. drivers who are looking for customizable coverage. The company offers a variety of unique endorsements, like pet insurance, a glass repair deductible waiver, locksmith services, accident forgiveness and new/better car protection.
In addition to great coverages, Erie also offers affordable premiums. The average Washington D.C. driver pays $1,207 annually for a full coverage policy and $401 annually for a minimum coverage policy. While Erie offers several traditional discounts, like reduced usage and multi-vehicle savings, it also has a “rate lock guarantee” and disappearing deductible program.
Geico sells basic car insurance policies and the rates are far below the average premium in Washington D.C. The average driver pays $1,389 annually for a full coverage car insurance policy and $430 annually for a minimum coverage car insurance policy.
Drivers who are looking for good discounts will be more than satisfied with Geico’s savings opportunities. There are discounts for good students, good drivers, military personnel, federal employees, employee/membership groups, having a vehicle with certain safety features, going on emergency deployment and taking approved driver training courses.
State Farm was rated the best car insurance provider in the Mid-Atlantic region, which includes Washington D.C., in the 2020 J.D. Power U.S. Auto Insurance Study. The average driver in D.C. pays $1,962 per year for a full coverage policy and $809 per year for a minimum coverage policy.
Although State Farm insurance policies are more expensive than the average price in D.C., there are ways that drivers can get a lower rate. State Farm offers two safe driver discount programs, Steer Clear for young drivers and Drive Safe & Save for adults. There are also discounts for bundling policies, being accident-free, being a good student, having a safe vehicle and more.
Progressive is known for its comprehensive coverages, online tools and affordably priced policies. In Washington D.C., the average driver pays $1,634 annually for a full coverage policy and $858 annually for a minimum coverage policy from Progressive.
Drivers who are looking for a cheaper rate can use the Name Your Price Tool to see policies within their price range. Good drivers can save an average of $145 by enrolling in Progressive’s Snapshot safe driver program. There are also discounts for insuring multiple vehicles, paying in full, signing up for paperless statements, having continuous insurance and being a homeowner, among others.
Affordable coverage for Washington D.C. drivers
Drivers in Washington D.C. are legally required to carry a minimum amount of car insurance. Personal liability insurance and uninsured/underinsured motorist liability coverage are both required by law.
The minimum required coverage is 25/50/10, which means that $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident and $10,000 in property damage liability coverage per accident is required to legally operate a vehicle in D.C. For uninsured motorist property damage, the minimum limit is $5,000 with a $200 deductible.
Drivers who purchase minimum coverage insurance pay some of the lowest premiums. However, most drivers benefit from getting more coverage than what is required. There is no guarantee that Washington D.C.’s minimum coverage limits will cover the full cost of an at-fault accident. If a driver causes an accident and their financial responsibility is higher than their policy’s limit, they must pay the difference out of pocket. Additionally, liability only coverage does not include any protection for the vehicle itself.
How to get cheap car insurance in Washington D.C.
There are ways that drivers can get cheap car insurance in Washington D.C. Some suggestions include:
- Shop around: Not all car insurance companies are created equal. Instead of choosing the first provider you find, spend some time researching different companies and compare them based on your personal criteria.
- Get multiple quotes: While you are researching insurance companies, get quotes from a few providers to see which one can offer the lowest price for the type and amount of coverage you want.
- Raise your credit score: Insurance companies look at your credit score to determine your rate. Improving your credit score may lower your premium.
- Increase the deductible: The higher your deductible is, the lower your monthly payments will be. But before you change it, make sure you can afford a higher out-of-pocket cost if you need to file a claim in the future.
- Pay in full: Many car insurance carriers offer discounts for drivers who can pay their annual policy in full.
Frequently asked questions
What is the best car insurance in Washington D.C.?
There are dozens of car insurance companies in Washington D.C. Drivers should shop around and compare providers to find the company that meets most of their needs and fits within their budget. The best car insurance company will vary for each driver.
What is the average cost of car insurance in the U.S.?
The average American driver pays $1,738 a year for a full coverage car insurance policy. In Washington D.C., the average driver pays $1,810 annually for the same amount of insurance. Generally speaking, most drivers in Washington D.C. pay more for car insurance than the average driver in the United States.
What does full coverage car insurance include?
Full coverage car insurance usually includes liability, uninsured and underinsured motorists coverage, medical payments, collision and comprehensive (sometimes called “other than collision”) coverages. Some insurance companies also offer endorsements like roadside assistance or rental car reimbursement with full coverage policies.
Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.