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From the hip boutiques of Georgetown to the historic streets of Anacostia, the District of Columbia is always a bustling place. While this makes life exciting for DC residents, it also leads to pretty high car insurance rates.

Fortunately, our team has ranked the best car insurance providers in the United States, and now we’ve focused our research to bring you our top recommendations in the District of Columbia. To begin your search for the best cheap car insurance in DC, use the free tool below to receive personalized quotes from some of the city’s top providers.

5 Best Car Insurance Companies in Washington, DC

We’ve identified the District of Columbia’s top five choices for cheap car insurance by evaluating average cost data and satisfaction scores from JD Power. The results are below:

*You may notice that some car insurance companies are ranked above those with a higher star rating. This is because our star rating takes national factors into account, while our rating specifically looks at the best insurance providers for car insurance in Washington, DC.

#1 USAA: Ideal for the military

If you are from a military family in Washington, DC, you should consider policing with USAA. The provider’s strong performance extends across the board, from earning the highest customer service score in the JD Power 2021 U.S. Auto Insurance Study.SM to the fact that it offers the lowest average premiums in the District of Columbia.

Although USAA offers great choices for its members, it is only available to military personnel, veterans, and their immediate families.

Read our comprehensive USAA auto insurance review to learn more about the company’s eligibility requirements.

#2 Geico: Best overall in the country

Geico, our leading provider of cheap car insurance in the United States, is also a solid choice for those in the nation’s capital. The company has an A++ rating for financial strength from AM Best, which means your coverage is secure with the company. Equally important, Geico received an A+ rating from the Better Business Bureau (BBB) ​​for its focus on customer service.

Geico offers competitive rates to residents of Washington, DC, with an average annual premium that’s nearly $800 cheaper than the District of Columbia average. With far-reaching car insurance plans and top-notch service, Geico’s coverage is worth considering.

Our comprehensive Geico auto insurance review has more information about America’s second largest auto insurance provider.

#3 State Farm: Best for Students

If you’re looking for the best cheap car insurance in DC, State Farm is a go-to choice. The company covers all the bases, from an A++ rating for financial strength from AM Best to an above-average customer satisfaction score in the JD Power 2021 US Auto Insurance study.SM.

To top it off, State Farm offers reasonable premiums compared to most car insurance providers in Washington, DC. The company is also known for discounts that benefit student drivers, including accident-free discounts and lower prices for safe driving habits.

Check out our full State Farm auto insurance review to find out more benefits offered by the provider.

#4 Erie: Outstanding Customer Service

Erie may not have the biggest name in the business, but it offers some of DC’s best cheap car insurance The provider combines the District of Columbia’s third-lowest average rates with an acclaimed reputation in downtown atlantic for customer service.

Erie holds an A+ rating from AM Best for financial strength and BBB. Customers are generally quite happy with this underrated provider and its many customizable and cost-effective coverage plans.

Click through our full Erie auto insurance review to find out if it’s the right company for your needs.

#5 Progressive: Ideal for high-risk drivers

High-risk drivers are often faced with high auto insurance rates and don’t know where to turn for help. We recommend that they get a quote from Progressive. The provider offers an accident forgiveness program and is known for its willingness to insure customers with poor driving records.

Progressive is also a very reliable company, with an A+ rating for financial health from AM Best. Progressive’s winning combination of affordability and benefits makes it a good option to consider in your search for the best cheap auto insurance in Washington, DC.

Get more details to simplify your decision in our comprehensive review of Progressive auto insurance.

Washington, DC Auto Insurance Requirements

The District of Columbia has minimum auto insurance standards that differ slightly from neighboring states. Washington, DC laws require all drivers to carry at least:

  • $25,000 bodily injury liability insurance per person
  • $50,000 bodily injury liability coverage per accident
  • $10,000 liability insurance for property damage
  • $25,000 uninsured motorist bodily injury coverage per person
  • $50,000 bodily injury coverage for uninsured motorists per accident
  • $5,000 property damage coverage for uninsured motorists ($200 deductible)

Liability insurance covers expenses paid to others when you cause a car accident.

Uninsured Motorist Coverage pays for the damage caused by those who drive illegally without insurance and cannot cover the costs of their accident.

Washington, DC is a “no-fault” auto insurance territory, which means your own provider will pay for damages caused by an accident, regardless of who caused it. However, the District of Columbia differs from other no-fault states in that it does not require drivers to have personal injury protection (PIP) coverage.

Although extensive minimum coverage requirements apply in Washington, DC, many drivers feel safer with full coverage policies. Optional auto insurance types such as Collision Coverage, Comprehensive Coverage, and PIP Coverage provide drivers with added peace of mind on the road.

cost of washington, dc car insurance

Our rate estimates revealed that a 35-year-old driver in Washington, D.C. with a clean driving record and good credit will pay approximately $1,812 per year on car insurance. The average annual premium in the United States is $1,732, so expect to pay more even for a cheap car insurance policy in the District of Columbia.

Our team has assessed a number of factors that affect car insurance costs to help you know what to expect when looking for the best cheap car insurance in DC.

Men pay slightly more on average than women for car insurance in Washington, D.C.

Finding the best cheap car insurance in Washington, DC becomes much more difficult if you have bad credit. Expect rates to increase by hundreds or even thousands of dollars as your credit rating drops.

If you’re looking to keep your auto insurance rates low, be sure to drive responsibly. Causing an accident and getting a DUI violation are two ways to skyrocket your premiums due to a bad driving history.

What to know about driving in Washington, DC

DC drivers average about 7,000 miles on the road per year, the lowest rate in the country. Twenty-three vehicle fatalities occurred in the District of Columbia in 2019, a rate of 3.3 fatalities per 100,000 population. Again, this is the lowest rate in the United States, where the national average is 11 vehicle fatalities per 100,000 population.

Based on these numbers, road safety may seem like child’s play in the District of Columbia. It’s not. With a maze of streets, countless crosswalks, and confused visitors navigating the city, Washington, DC can be a confusing place to drive. Stay safe by avoiding risky driving behaviors and making sure you’re protected by quality auto insurance.

Final Thoughts

There’s no getting around it – auto insurance costs a pretty penny in the nation’s capital. Fortunately, USAA, Geico, State Farm, Erie, and Progressive offer quality coverage at some of the best rates in Washington, DC.

The best way to find auto insurance that meets your personal needs is to compare quotes from multiple providers. Check out our free tool below to start weighing your coverage options with the best cheap car insurance companies in DC

Methodology

In an effort to provide accurate and unbiased information to consumers, our team of experts collects data from dozens of car insurance providers to compile rankings of the best insurers. Companies receive a score in each of the following categories, along with an overall weighted score of 5.0 stars.

  • Industry Ranking: Insurers with strong financial ratings and customer-focused business practices receive the highest scores in this category.
  • Availablity: We consider availability by state as well as exclusions for specific groups of drivers.
  • Cover: This rating is based on the types of insurance available, maximum coverage limits and supplemental policies.
  • Cost and discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in each state. Companies with lower prices and many car insurance discount opportunities receive the highest scores.
  • Customer service: We scour customer reviews and consumer feedback studies from experts like JD Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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