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Best car insurance in Washington, D.C. for June 2024

Updated Jun 01, 2024

Geico, USAA, Progressive, State Farm and Erie are writing some of the best car insurance in the District of Columbia, according to Bankrate’s research.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best car insurance companies in Washington, D.C.

According to rate data provided by Quadrant Information Services, the average cost for a full coverage auto policy in Washington, D.C. is $2,520 per year. A minimum coverage policy averages $780. Fortunately, many of the best carriers on our list offer average rates even cheaper than that.

We understand that price may not be the only factor you consider when choosing an insurance company, though. To select the top car insurance carriers in Washington, D.C., we reviewed each company holistically, examining customer service rankings from J.D. Power and financial strength ratings from AM Best, as well as coverage options, discount opportunities and digital tools. Based on these factors, we assigned each company a Bankrate Score on a five-point scale. The companies that came out on top included Geico, Progressive, State Farm, USAA and Erie.

Insurance company
Bankrate score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,599
$439
4.4
Rating: 4.4 stars out of 5
$1,455
$754
4.3
Rating: 4.3 stars out of 5
$3,764
$1,268
4.2
Rating: 4.2 stars out of 5
$1,324
$436
4.0
Rating: 4 stars out of 5
$1,515
$537

Geico

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$133/mo

Avg. full coverage premium

$1,599/yr

Customer satisfaction

818/1,000

Progressive

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$121/mo

Avg. full coverage premium

$1,455/yr

Customer satisfaction

814/1,000

State Farm

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$314/mo

Avg. full coverage premium

$3,764/yr

Customer satisfaction

843/1,000

USAA

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$110/mo

Avg. full coverage premium

$1,324/yr

Customer satisfaction

877/1,000

Erie

Erie

4

Rating: 4 stars out of 5

Avg. full coverage premium

$126/mo

Avg. full coverage premium

$1,515/yr

Customer satisfaction

863/1,000

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How Bankrate chose the best car insurance companies in Washington, D.C.

To find the best car insurance companies in Washington, D.C., Bankrate first looked to proprietary rate data provided by Quadrant Information Services. We then studied other metrics such as customer satisfaction scores from J.D. Power, AM Best financial strength ratings, mobile accessibility, discounts offered and NAIC complaint indexes. Using this information, we issued each company a Bankrate Score ranging from 0.0 to 5.0. We hope you can use the information in this guide and our Bankrate Scores to evaluate carriers efficiently and find the best option for your auto insurance needs.

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Why you can trust Bankrate

Read our full methodology

To help Washington, D.C. drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How to find the best car insurance in Washington, D.C.

Since auto insurance is highly personalized, the best car insurance in Washington, D.C. depends on factors unique to you. Fortunately, there are a few simple strategies you can use to help you find the ideal company for you at a price that fits your budget.

New

What’s new in Washington, D.C.?
  • Washington, D.C. saw a huge increase in the number of carjackings in 2023, with juveniles making up the bulk of offenders. The area currently ranks second in the nation for the number of thefts per 100,000 residents. Current police data show that Washington, D.C. is on pace with last year's high numbers of carjackings, which is a significant factor in why insurance rates have climbed in recent years. In order to receive an insurance payout after a car theft, drivers must have a full coverage policy.
  • The Washington Post did an extensive report on rising car insurance prices in September 2023. The report noted that even though other types of inflation have cooled, car insurance for U.S. drivers was 16 percent more expensive in July 2023 than in July 2022 and 70 percent more expensive than in 2013. It notes that motor vehicle maintenance costs are also on the rise since it is more expensive to diagnose newer, high-tech vehicles. In addition, insurers are hedging their bets against the increasing number of big payouts they are seeing in the wake of natural disasters, such as flooding or hurricanes.

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How much is car insurance in Washington, D.C.?

The average annual cost of full coverage car insurance in the U.S. is $2,311, while Washington, D.C. drivers pay an annual average of $2,520 for the same coverage. Minimum coverage is slightly more expensive, on average, in Washington, D.C. at $780 per year compared to the national average of $640 per year. The higher minimum coverage rate in Washington, D.C. may be attributed, in part, to the region's high population density, which could lead to higher rates of accidents, theft and vandalism.

Full coverage car insurance rates in Washington, D.C. are also higher than those in some surrounding areas. For instance, the average annual full coverage rate in Maryland is $2,549. In Virginia, the price difference is much more dramatic with a yearly full coverage premium of $1,986. Washington, D.C. is unique in that it is essentially one large metropolitan area, so the entire region sees the higher average rates we typically associate with big cities in other states.

Estimate your car insurance cost in Washington, D.C.

When you begin your search for auto insurance in Washington, D.C., it might be helpful to have a benchmark figure to refer to — and our handy calculator provides just that. Input a few key pieces of information, and it will give you an estimate of what you might pay for car insurance in D.C. While it may not reflect your exact premium, it can give you a good starting point.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze June 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 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 coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

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46
years of industry expertise
Search
122
carriers reviewed
Location
34.5K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
Written by
Mary Van Keuren
Contributor, Insurance

Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute