Cheapest car insurance in D.C. can usually be found on Geico for around $78 a month or $939 a year for full coverage auto insurance
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Washington, D.C. it's a busy place, and its residents pay high prices for car insurance. On the Guides Auto team, however, we investigated thisbest car insuranceCompanies and the cheapest rates available in the nation's capital.
In this article you will findcheap car insuranceEstimates broken down by coverage and driver profiles, plus a list of the best auto insurers in D.C. We also provide information on what you need to know about Washington, D.C. auto insurance laws and regulations. need to know.
Why do you trust our team?The team at Guides Auto seeks to provide reliable information so that you can make the best decision when insuring your vehicle. Our researchers, writers and editors are dedicated to finding suppliers and analyzing customer feedback and ideas so you can choose with confidence.
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Affordable Auto Insurance in Washington DC
While auto insurance in Washington, D.C. it can be quite expensive, there are many affordable coverage options. Here, we look at the cheapest car insurers and coverage options available, starting with the least expensive coverage providers and options.
Cheapest Auto Insurance in Washington DC
Cheapest Auto Insurance in Washington DC They are USAA, Geico, State Farm and Erie Insurance. In the table below, we've broken down coverage and cost rankings and combined them into an overall carrier ranking for you to compare.
| Top auto insurers in Washington DC | General evaluation | coverage rating | cost evaluation |
|---|---|---|---|
| 1. EE. UU. | 9.2 | 9.3 | 9.8 |
| 2. Geiko | 9.1 | 8.3 | 9.2 |
| 3. State Farm | 9.3 | 8.9 | 9.2 |
| 4. Erie safe | 9,0 | 8.5 | 9.7 |
*Our research team considers national factors when evaluating vendors. The provider ranking in this table is specific to Washington DC auto insurers.
Every auto insurer has different methods of calculating their premiums, so no two quotes are the same. With that in mind, we recommend that you compare rates from different providers when looking for the cheapest D.C. car insurance. want to find.
The cheapest car insurance in Washington DC
Depending on the level of coverage you choose, car insurance rates can vary widely. Most companies quote estimates for minimum liability and full coverage car insurance. All that is needed is minimal liability auto insurance, but we recommend that you consider full coverage as well.
Below are the cheapest car insurance options in D.C. for both types of coverage.
Cheapest Minimum Liability Insurance in Washington DC
Chubb Limited, Geico and USAA offer the lowest minimum liability insurance rates in the District of Columbia. Drivers in Washington DC pay on average$644 per yearfor minimum liability insurance. This number is more or less in line with the national average.$635 per year.
| The cheapest car insurance in Washington DC | average monthly cost | average annual cost |
|---|---|---|
| cache | $ 30 | $ 359 |
| geiko | $ 34 | $ 412 |
| United States for | $ 39 | $ 469 |
| Erie | $ 41 | $ 496 |
| Bezirksbauernhof | $ 55 | $ 655 |
| Progressive | $ 61 | $ 733 |
| Allstate | $ 71 | $ 850 |
| national | $ 99 | 1.183 $ |
The cheapest comprehensive insurance in Washington, D.C.
our average rate Show cheapest full car insurance in D.C. costs as little as$78 per month. The table below shows the average coverage of the cheapest car insurers in the nation's capital.
| The cheapest car insurance in Washington DC | average monthly cost | average annual cost |
|---|---|---|
| geiko | $ 78 | $ 939 |
| United States for | $ 94 | 1.129 $ |
| Progressive | $ 128 | 1.537 $ |
| Erie | $ 139 | 1.673 $ |
| Bezirksbauernhof | $ 142 | 1.699 $ |
| cache | $ 194 | 2.331 $ |
| national | $ 207 | 2.483 $ |
| Allstate | $ 286 | $ 3.433 |
You can usually count on low car insurance rates.United States for,geiko, Progressive jfor sure erie. While these companies typically offer the cheapest coverage, your D.C.car insurance ratesThis depends on your driver profile and your vehicle.
Affordable Auto Insurance in Washington DC
Many factors go into calculating your car insurance rates, including age, driving habits and creditworthiness. Below we compare cheap car insurance estimates for drivers in Washington DC. in each of these categories.
Cheapest Car Insurance for Young Drivers in Washington DC
On average, young drivers tend to pay more for auto insurance policies compared to older adults. However, there are still cheap options in Washington,direct current.The tables below show the cheapest car insurance for young drivers inDC.,ComAveragemonthly and annual costs.
The cheapest car insurance in Washington DC for 16 years
Erie and Geico are among the cheapest providers in Washington DC with their own policies. for 16 year old drivers.
| Cheapest car insurance in D.C. | average monthly cost | average annual cost |
|---|---|---|
| Erie | $ 257 | $ 3.081 |
| geiko | $ 354 | 4.250 $ |
| United States for | $ 408 | 4.896 $ |
| cache | $ 418 | $ 5,015 |
| Bezirksbauernhof | $ 441 | $ 5.286 |
The cheapest car insurance in Washington DC for 18 year olds
Erie and Geico are also the cheapest auto insurers for 18 year old drivers in Washington DC who have their own policies.
| Cheapest car insurance in D.C. | average monthly cost | average annual cost |
|---|---|---|
| geiko | $ 218 | $ 2.615 |
| Erie | $ 231 | 2.777 $ |
| United States for | $ 234 | 2.805 $ |
| Bezirksbauernhof | $ 349 | 4.190 $ |
| cache | $ 382 | 4.585 $ |
The cheapest car insurance in Washington DC for 21 year olds
Geico and USAA offer the lowest car insurance rates for drivers under 21 in Washington, D.C.
| Cheapest car insurance in D.C. | average monthly cost | average annual cost |
|---|---|---|
| geiko | $ 131 | 1.577 $ |
| United States for | $ 132 | 1.588 $ |
| Erie | $ 197 | $ 2,366 |
| Progressive | $ 233 | 2.794 $ |
| Bezirksbauernhof | $ 235 | 2.820 $ |
The cheapest car insurance in Washington DC for 25 years
Geico and USAA are also the cheapest car insurance for drivers age 25 and older in Washington DC.
| Cheapest car insurance in D.C. | average monthly cost | average annual cost |
|---|---|---|
| geiko | $ 103 | 1.236 $ |
| United States for | $ 112 | 1.348 $ |
| Progressive | $ 142 | 1.703 $ |
| Erie | $ 153 | 1.833 $ |
| Bezirksbauernhof | $ 165 | 1.984 $ |
The cheapest car insurance in Washington DC for drivers with fines
Drivers with recent traffic tickets can expect to pay more for their auto insurance policies. In general, annual premiums skyrocket towards the average$ 2.123for drivers with speeding violations on their records in Washington, D.C.
| Cheapest car insurance in D.C. | average monthly cost | average annual cost |
|---|---|---|
| United States for | $ 83 | 1.000 $ |
| geiko | $ 113 | 1.362 $ |
| for sure erie | $ 136 | 1.632 $ |
| Bezirksbauernhof | $ 143 | 1.719 $ |
| Progressive | $ 186 | 2.233 $ |
The cheapest car insurance in Washington DC for drivers with a recent accident
Increased auto insurance rates after a car accident in Washington, D.C. inevitable. Across town, drivers in an accident are going through their files.$2,572 per yearto the media for insurance policies.
| Cheapest car insurance in D.C. | average monthly cost | average annual cost |
|---|---|---|
| United States for | $ 97 | 1.163 $ |
| Bezirksbauernhof | $ 156 | 1.868 $ |
| geiko | $ 156 | 1.878 $ |
| for sure erie | $ 165 | 1.985 $ |
| Progressive | $ 214 | 2.566 $ |
The cheapest car insurance in Washington DC for DUI drivers
Drivers caught driving under the influence of alcohol are likely to be flagged as high risk drivers by their insurance providers. DC drivers with recent DUI convictions pay on average$3,018 per yearfor car insurance coverage.
| Cheapest car insurance in D.C. | average monthly cost | average annual cost |
|---|---|---|
| United States for | $ 119 | 1.430 $ |
| Bezirksbauernhof | $ 143 | 1.719 $ |
| Progressive | $ 178 | $ 2.136 |
| for sure erie | $ 195 | $ 2,336 |
| geiko | $ 212 | 2.543 $ |
The cheapest car insurance in Washington DC for drivers with bad credit
the average rate to Washington, D.C. is car insurance coverage$3,238 per yearfor those with bad credit. Auto insurers consider your credit history as a factor in providing coveragecar insurance quotes.
| Cheapest car insurance in D.C. | average monthly cost | average annual cost |
|---|---|---|
| United States for | $ 138 | 1.655 $ |
| geiko | $ 193 | $ 2.314 |
| cache | $ 257 | 3.092 $ |
| Bezirksbauernhof | $ 275 | $ 3.307 |
| Progressive | $ 278 | $ 3.340 |
Best Cheap Auto Insurance in Washington DC
Below, we take a closer look at the best auto insurers in Washington DC, their coverage, ratings, and services offered:
#1 USAA: Low rates for the military
JD Qualifying Regional Achievement:881/1000
AM Best Financial Strength Rating:A++
Better Business Bureau (BBB) Rating:A-
USAA offers the lowest average car insurance rates for military personnel, veterans and their families in Washington DC. The company received the highest customer satisfaction rating in the Mid-Atlantic region of the United States2022 US Auto Insurance Study by J.D. Performance℠.Those who qualify for coverage can expect to find discounts and solid auto insurance options.
keep reading:USAA Insurance Review
#2 Geico – Affordable for most pilots
JD Qualifying Regional Achievement: 834/1.000
AM Best Financial Strength Rating:A++
BBB rating:A+
At Geico in Washington, D.C. you can easily find competitive prices. The company offers a wide rangecar insurance discounts, as well as additional options such as machine breakdown insurance. Geico has strong industry ratings, including an A++ (Superior) Financial Strength rating from AM Best.
keep reading:geico insurance rating
#3 State Farm: Editor's Choice
JD Qualifying Regional Achievement: 851/1.000
AM Best Financial Strength Rating:A++
BBB rating:A+
Drivers can contact State Farm, thethe largest auto insurer in the country. The company offers several discount options, including twousage based programsreward drivers for safe driving.
keep reading:Review of the State Agricultural Insurance
#4 Erie Insurance – Affordable for Basic Insurance
JD Qualifying Regional Achievement: 867/1.000
AM Best Financial Strength Rating:A+
BBB rating:A+
Drivers looking for regional coverage can find affordable auto insurance with Erie Insurance. The insurer has positive customer satisfaction ratings and is ranked #1 in the Mid-Atlantic region in the J.D. US power
Drivers can purchase standard auto insurance and additional options including new vehicle replacement, leased vehicle coverage and rate setting features.
keep reading:Erie Insurance Review
Average cost of auto insurance in Washington DC
our ratemediashow that drivers in Washington, D.C. pay average rates$159 per monthÖ$1,903 per yearfor complete vehicle insurance. The average cost of auto insurance in D.C. is 10% higher than the national average of $1,730. According toNational Association of Insurance Commissioners(NAIC), Washington, D.C., is the fourth most expensive area in the country for auto insurance.
Washington DC. Car insurance cost by age
Car insurance rates are higher for younger drivers. Here are some average full coverage rates for drivers of different ages with clean driving records.
| To alter | Monthly cost estimate | Annual cost estimate |
|---|---|---|
| sixteen | $ 612 | $ 7,345 |
| 17 | $ 531 | $ 6.366 |
| 18 | $ 466 | 5.593 $ |
| 19 | $ 337 | 4.038 $ |
| 21 | $ 245 | 2.944 $ |
| 25 | $ 181 | $ 2.173 |
| 30 | $ 162 | 1.944 $ |
| 40 | $ 158 | 1.892 $ |
| 50 | $ 149 | 1.792 $ |
| 55 | $ 146 | 1.747 $ |
| Sixty-five | $ 151 | 1.816 $ |
| 75 | $ 179 | 2.150 $ |
Factors influencing car insurance rates
As we've shown, factors such as age, location and driving experience play a big role in the cost of car insurance policies. Auto insurance rates in Washington DC they are difficult to define due to these influences.
Factors that affect car insurance costs
Your auto insurance rate depends on how insurers assess certain factors, such as:
- Location
- Age, make and model of vehicle
- age, sex and marital status
- driving history
- credit worthiness
- deductible amount
Washington DC auto insurance requirements
Washington, DC requires drivers to use itliability insuranceand uninsured motorist coverage. Here are the details of the minimum coverage, according to theDistrict of Columbia Motor Vehicle Authority:
- liability for injuries: $25,000 per person and $50,000 per accident
- liability for property damage: $10,000 per accident
- Uninsured personal injury caused by drivers: $25,000 per person and $50,000 per accident
- Property damage from an uninsured driver: $5,000 per accident ($200 deductible)
If you want additional insurance coverage for your vehicle, consider purchasing comprehensive insurance, which includes liability insurance.full coveragejaccident insurance.
It's illegal in Washington, D.C. no car insurance?
If youdrive without car insuranceIn DC you will be fined. First offense is $500 if caught driving without insurance. It then increases by 50% for each subsequent infraction, making the second infraction $750 and the third $1,125.
How to Get Car Insurance in Washington DC
Drivers can purchase auto insurance online or over the phone in Washington, D.C. If you have questions about a plan or provider, call the provider directly.
The easiest way to get Washington DC car insurance to buy is to request an auto insurance quote. This will allow youcompare coverageand the price of the providers you are interested in. We recommend that you contact usUnited States for,geiko,Bezirksbauernhofjfor sure erieto find quality coverage at an affordable price.
Compare car insurance
Answer a few simple questions and we'll take care of the rest.
Cheap Car Insurance in Washington DC: Conclusion
In this article, we look at the best cheap auto insurance options in Washington DC, breaking down the cheapest providers by driver profile, age and coverage. We also provide information on average D.C. auto insurance rates. and the laws and regulations relating to automobile insurance policies in the region.
Cheapest Auto Insurance in Washington DC: Frequently Asked Questions
Our methodology
Because consumers trust us to provide factual and accurate information, we've developed a comprehensive ranking system to formulate our ranking of the best auto insurers. We collected data on dozens of auto insurers to rank the companies based on a variety of ranking factors. The end result was an overall ranking for each provider, with insurers with the most points at the top of the list.
These are the factors our reviews take into account:
- Cost (30% of total score): Considers auto insurance rate estimates prepared by Quadrant Information Services and discount opportunities.
- Coverage (30% of the total score): Companies that offer a variety of insurance coverage options are more likely to meet a consumer's needs.
- Reputation (15% of the total score): Our research team considered market share, industry expert analysis, and years in business to assign this score.
- Availability (10% of the total score): Auto insurers with the highest statewide availability and fewest licensing requirements scored highest in this category.
- Customer Experience (15% of total score): This score is based on the number of complaints reported by the NAIC and J.D. Performance. We also considered the responsiveness, friendliness, and friendliness of each insurance company's customer service team based on our own buyer analysis.
*Exact dates at time of publication.