Best Washington D.C. Car Insurance Companies 2020

Fact-checked with HomeInsurance.com

5 min read

When Washington, D.C. was mapped out all those years ago, it was intentionally made difficult to navigate. That holds true today, as weary commuters battle the relentless snarl of traffic around the Beltway.  

It’s not surprising that residents face higher car insurance premiums. Washington, D.C., is home to approximately 521,100 licensed drivers and the third worst drivers in the country. The highly populated area makes traffic-related accidents more likely, so car insurance is especially important.

Rates can vary dramatically depending on the company, so it’s important to shop around for the best car insurance coverage

There are some great options for the cheapest Washington, D.C., car insurance.

When considering which car insurance is right for you, look at the many factors that determine your quote:

  • Research the several types of coverage available to you. 
  • Shop each company and request multiple quotes for comparison.
  • Inquire about extra discounts, like safe driving or customer loyalty. 
  • Make sure that auto quotes meet the minimum requirements of Washington, D.C
  • Read customer reviews to learn more about customer service and claims processing.
  • Check the insurance company with the Washington, D.C., Department of Insurance, Securities and Banking.

Best car insurance companies in Washington, D.C.

The top cheapest car insurance in Washington, D.C. often comes from these car insurance companies:

  • Erie: Erie is a good option for the coverage add-on options, such as rate locking, first accident forgiveness, ridesharing, pet coverage and multi-policy discounts. 
  • Geico: Geico has some of the most affordable premiums and a large number of discount options to help you save more money. 
  • Progressive: Progressive offers lots of additional insurance options, such as rideshare and loan/lease payoff options, so you can customize your coverage. 
  • State Farm: State Farm has a lot of discounts to make premiums more affordable, such as the Drive Safe and Save program. This company also lets you bundle your coverage with a lot of other insurance types such as home insurance and business insurance.  
  • USAA: This insurance company serves members of the military and their families. If you are eligible for coverage, this option will likely save you a lot of money on your insurance rates. 

An essential part of an insurance company is its ability to consistently deliver excellent customer service. These companies all possess high customer satisfaction ratings for the cheapest Washington, D.C., car insurance companies.

To assess a company’s ability to process claims, AM Best Rating Services scores a company by its financial stability.  J.D. Power and the Better Business Bureau (BBB) rate companies based upon customer satisfaction.

Rankings for cheapest car insurance companies – Washington, D.C.

Company J.D. Power Rating AM Best Rating BBB Rating
Erie 5 out of 5 A+ (Superior) A+
Geico 4 out of 5 A++ (Superior) A+
State Farm 3 out of 5 A++ (Superior) A+
Progressive 2 out of 5 A+ (Superior) C-
USAA 5 out of 5 A++ (Superior) F

 USAA would have placed second, but its military-only membership means that J.D. Power doesn’t rank them in comparison to other companies because not everyone has access to it.  

Finding the right cheap car insurance in Washington, D.C., for you

Shopping for car insurance is a highly personalized experience. You want to find the cheapest car insurance that also meets your unique needs. D.C. ranks higher on the price scale, with car insurance costing 20% more than the national average.

Here is a comparison of Washington, D.C. auto insurance companies so you can find the cheapest car insurance coverage for you. These are the average annual premiums for Washington, D.C. drivers:

  • Erie: $1,347
  • Geico: $877
  • State Farm: $1,660
  • Progressive: $1,487
  • USAA: $766

Cheapest car insurance for drivers with poor credit: Geico

If you’re eligible, USAA will be the cheapest option at $1,798. If you’re not a member of the military, Geico will have the lowest option at an average rate of $2,230.

Cheapest car insurance for drivers with a speeding violation: Geico

If you’ve had one speeding violation, Geico will have the least expensive rates at an average of $926. 

Cheapest car insurance for drivers with a DUI: State Farm

DUIs tend to raise your rate dramatically. State Farm will be the least expensive option at an average of $1,818.  

Average cost of car insurance in Washington, D.C.

The average cost of D.C. auto insurance is $1,590 per year, with some companies charging upwards of $2,000. Prices vary based on your vehicle, gender and age, so shop the best options for you.

The cheapest Washington, D.C., car insurance will vary depending on what kind of driver you are. Your driving record will determine whether you are a high-risk driver. 

We researched the average annual premium for different customers:

Company Good credit Poor credit DUIs At-fault accident
Geico $1,937 $2,231 $2,493 $1,434
State Farm $1,508 $3,027  $1,818 $1,978
Progressive $1,823 $3,656 $1,858 $2,197
USAA $766 $1,799 $1,483 $1,055

 Erie Insurance was not included within this cost analysis for Washington, D.C.

Car insurance discounts in Washington, D.C.

With the inflated costs in Washington, D.C., it is more important than ever to find the cheapest auto insurance companies. Many companies offer special discount programs that can drastically reduce the total cost of your insurance. 

There are many ways to save on your car insurance rate, including exclusive savings from your insurance company. Many of the companies on our list offer attractive discounts for members.

Erie offers programs like Rate Lock® so your rate doesn’t change unless you move or change drivers. It also offers multi-policy discounts and college credit when a student is away at college.

State Farm has discounts that include Drive Safe and Safe TM   with OnStar® technology and Steer Clear®, which discounts policies for new and young drivers with a clean driving record. 

USAA also offers several programs too, like a driver training discount for drivers under 21 who complete a basic training class and military installation discounts that give 15% off a policy for a vehicle stored on-base.

Check with the providers you are interested in to see which discounts they have that you might be eligible for. 

State minimum insurance requirements in Washington, D.C.  

Washington, D.C., is particular about the types of insurance you need, including $25,000 bodily injury liability per accident, $25,000 bodily injury liability per person and $10,000 property damage liability.

While underinsured motorist coverage is optional, uninsured motorist coverage is not and requires a minimum of $25,000 per person and $50,000 per accident.

Frequently asked questions

What is the cheapest car insurance in Washington, D.C.?

The cheapest car insurance in Washington, D.C., depends on you because many variables will determine your individual quote.

What information is needed to get car insurance in Washington, D.C.? 

You need to know what kind of insurance you need, as well as details like your address, vehicle make and model, driver’s license number and mileage. Companies also consider your driving record and past coverage.

What is distracted driving, and why is it important to avoid?

D.C. joined eight states noted for nearly a 6% increase in traffic-related fatalities. The Department of Transportation has since cracked down on distracted driving, implementing safe driving laws. All drivers are now banned from using handheld cell phones and texting, while new drivers are restricted from all cell phone use while behind the wheel.

What is high-risk insurance?

High-risk insurance is a term used for drivers who pose a high risk of damage. This includes those with recent or frequent claims or someone who was found at fault in a previous accident. Severe violations like speeding, reckless driving or a DUI will also drastically increase your insurance rate.