Auto Insurance in Washington, DC
Washington DC’s auto insurance rates are on the higher side — on average $1,783 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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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
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
- $1,496State Farm
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.
Most Popular Companies by Marketshare
- State Farm
The companies we’ve listed here are the most popular car insurers in Washington, DC, as they cater to the particular needs of DC drivers. It’s important to remember, though, that the most popular companies are not necessarily the best. For example, an insurance company can become popular by spending a lot of money on advertisements. This makes them recognizable, but it doesn’t say anything their affordability or levels of coverage.
Still, get quotes from these popular insurance providers. Be sure to take time to compare them to other companies, even if they’re less popular.
Choosing the Best Car Insurance in Washington, DC
It is usually best to choose a car insurance company that you can stay with for several years or longer. The top-rated insurance companies listed here are among the best in DC, so you should start you comparison search here. They have excellent reputations for meeting the long-term needs of drivers in the DC area.
Consider several factors when rating insurance companies. Some of the most important factors include excellent customer services, fair premiums, extensive coverage options, a fair claims process, available discounts, and solid financial standing. We also consider whether companies use live agents who provide top-tier service.