Auto Insurance in Washington, DC

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Washington, DC’s auto insurance premiums are lower than those in many states. They are, however, slightly higher than the average premiums in Virginia and Maryland, where many of DC’s residents work.

DC

Population: 658,893
DC
$1,783
US Average
$1,669

DC is a dense urban center with over 650,000 residents. Residents protect themselves from occasional harsh weather events, including nor’easters and hurricanes. Hurricanes are usually quite weak by the time they reach DC, but there’s potential for auto damage. Flooding is a bigger concern. Storms can cause the Potomac River to flood, which is particularly troublesome for residents in the Georgetown area.

Washington, DC Minimum Liability

Bodily Injury

$25k
per person
$50k
per accident

Property Damage

$10k
per accident

DC’s minimum liability coverage is much lower than the recommended minimum coverage of 50/100. With 50/100, insurance policies cover up to $50,000 per person and $100,000 per accident to pay for needed medical treatments. In some cases, 50/100 is not enough to cover these expenses. It’s ideal to have 100/300 coverage; many find the extra expense is worth the added protection.

In 2013, the average auto liability claim for bodily injury was $15,443 while the average claim for property damage was $3,231. About half of all accidents cost more. Drivers who carry DC’s minimum coverage may face tens or even hundreds of thousands of dollars out of their own pockets.

Getting quotes from several car insurance companies may help you compare rates and coverage to get the best possible rate for your preferred coverage. Rates often differ as each insurance company assesses driving records differently. Getting quotes is a time-consuming process, but the effort could help you save money on a good insurance policy.

Cheapest Car Insurance in Washington, DC

Yearly Rate

  • $3,190
    Allstate
  • $1,511
    GEICO
  • $997
    USAA
  • $1,496
    State Farm
  • $2,267
    Progressive

If you want to find the absolute most affordable auto insurance policies in DC, start with these companies. Our comparison shows that they have the most affordable policies in the area.

Choosing a low-cost insurance provider will help you save money, but there is usually a tradeoff for the price. Some manage to offer lower prices by skipping important features like customer service quality. Policyholders may also find that it’s hard to get claims reimbursed. Keep in mind that local companies often offer more intimate services than national companies.