HomepageInsuranceCarThe Best Car Insurance Companies in Washington, D.C.

The Best Car Insurance Companies in Washington, D.C.

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    Reviews Report

    • The best D.C. car insurance company is USAA, earning a 4.8 out of 5 in our methodology.
    • Erie insurance is the cheapest car insurance company in D.C., with an average minimum coverage rate of $499.
    • Drivers in Washington D.C. are required to carry at least 25/50/10 personal liability coverage.

    Car insurance is required in almost every state, and that includes Washington D.C. Every driver in Washington D.C. must carry a minimum amount of car insurance in order to legally get behind the wheel. The providers we recommend to drivers in Washington D.C. are USAA, Geico, State Farm, Nationwide, and Erie.

    To find the best Washington D.C. car insurance, we started by making a list of the most popular providers, and reviewed each one based on important factors like price, financial strength, overall customer satisfaction, coverage options, and discounts.

    The 5 Best Auto Insurance Companies in Washington, D.C.

    • USAA: Best D.C. Car Insurance for Military Members
    • Geico: Best D.C. Car Insurance for Discounts
    • State Farm: Best D.C. Car Insurance for Customer Service
    • Nationwide: Best D.C. Car Insurance for Safe Drivers
    • Erie: Cheapest Car Insurance in D.C.

    Compare the Best Car Insurance Companies in Washington, D.C.

    Full Coverage Annual Premium* State Minimum Annual Premium* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power Overall Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin USAA $1,185.50 $508.83 4.8 A++896
    Pin Geico $1,723.72 $528.11 4 A++835
    Pin State Farm $2,449.17 $985.504.6 A++851
    Pin Nationwide $2,715 $1,132.833.6 A+823
    Pin Erie $1,786 $4993.8 A+856

    Information accurate as of June 2021

    * Data provided by Coverage.com

    **J.D. Power 2021 Auto Insurance Satisfaction Study for the Mid-Atlantic region. Based on a 1,000-point scale.

    USAA

    Best D.C. Car Insurance for Military Members

    Why We Chose It

    USAA is a top-rated and affordable D.C. car insurance company that caters to members of the military, their spouses, and children.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $508.83* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 896** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA is a top-rated and affordable D.C. car insurance company that caters to members of the military, their spouses, and children.

    Pros

    • Personalized customer service
    • Affordable policies
    • Many discounts

    Cons

    • Only available to active and retired military members
    • Very few branch locations
    Read More

    Additional Coverage

    • Personal injury protection
    • Extended benefits coverage
    • Roadside assistance
    • Rental car reimbursement
    • Accident forgiveness

    Discounts Available

    • Safe driver
    • Defensive driving course
    • Driver training course
    • Good student
    • New vehicle
    • Family discount
    • Length of membership
    • Military installation
    • Policy bundling

    More USAA Insurance Reviews

    Geico

    Best D.C. Car Insurance for Discounts

    Why we chose it

    Geico is known for offering cheap car insurance policies through a bevy of accessible discounts and lower-than-average premiums.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $528.11* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 835** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico is known for offering cheap car insurance policies through a bevy of accessible discounts and lower-than-average premiums.

    Pros

    • Lower premiums than some competitors
    • Good discounts
    • Strong financial ratings

    Cons

    • Not the best customer service
    • Limited coverage options
    Read More

    Additional Coverage

    • Personal injury protection
    • Roadside assistance
    • Rental car reimbursement
    • Mechanical breakdown coverage

    Discounts Available

    • Air-bag
    • Anti-lock brakes
    • Anti-theft system
    • New vehicle
    • Defensive driving course
    • Driver’s ed course
    • Good student
    • Emergency deployment
    • Federal employee
    • Employee and membership

    More Geico Insurance Reviews

    State Farm

    Best D.C. Car Insurance for Customer Service

    Why we chose it

    State Farm offers great customer service with nearly 19,000 agents, plenty of online support options, and a No. 1 in customer satisfaction for the D.C. region by J.D. Power.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $985.50* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 851** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm offers great customer service with nearly 19,000 agents, plenty of online support options, and a No. 1 in customer satisfaction for the D.C. region by J.D. Power.

    Pros

    • Impressive financial strength
    • High claims satisfaction ratings
    • Over a dozen discounts

    Cons

    • Fewer add-on coverages than competitors
    • Higher-than-average premiums
    • More NAIC complaints than industry average
    Read More

    Additional Coverage

    • Rental car and travel expenses coverage
    • Roadside assistance coverage
    • Rideshare driver coverage

    Discounts Available

    • Drive Safe & Save program
    • Steer Clear program
    • Accident-free
    • Defensive driving course
    • Good student
    • Good driver
    • Driver training course
    • Student away at school
    • Vehicle safety
    • Passive restraint

    More State Farm Insurance Reviews

    Nationwide

    Best D.C. Car Insurance for Safe Drivers

    Why we chose it

    Nationwide offers a selection of safe driving programs — including accident forgiveness — that help drivers save on premiums and deductibles.
    • 3.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,132.83* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 823** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Nationwide offers a selection of safe driving programs — including accident forgiveness — that help drivers save on premiums and deductibles.

    Pros

    • Premium-reducing app-based program
    • More add-on coverage than some competitors
    • Excellent financial strength

    Cons

    • Poor customer satisfaction rating
    • Premiums are more expensive than average
    Read More

    Additional Coverage

    • Personal injury protection
    • Rental car reimbursement
    • Gap insurance
    • Towing and labor 
    • Accident forgiveness
    • Roadside assistance
    • Vanishing deductible
    • Total loss deductible waiver

    Discounts Available

    • Multi-policy
    • SmartRide program
    • SmartMiles program
    • Accident-free
    • Defensive driving course
    • Anti-theft device
    • Safe driver

    More Nationwide Insurance Reviews

    ERIE Insurance Auto

    Cheapest Car Insurance in D.C

    Why we chose it

    Erie offers a number of add-on coverages that allow you to fully customize your car insurance policy based on your needs.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $499* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 856** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Erie offers a number of add-on coverages that allow you to fully customize your car insurance policy based on your needs.

    Pros

    • Above-average customer satisfaction
    • More add-on coverage than competitors
    • Discounts to help you save

    Cons

    • Not available nationwide
    Read More

    Additional Coverage

    • Pet coverage
    • Personal item coverage
    • Auto glass repair
    • Roadside assistance
    • Rental car reimbursement
    • Locksmith coverage
    • Auto Plus package
    • Rate lock guarantee
    • Non-owners insurance

    Discounts Available

    • Multi-policy
    • Safe driver
    • Car safety equipment
    • Multi-car
    • Reduced usage
    • Teen drivers
    • Pay in full

    More Erie Insurance Reviews

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2021 U.S. Auto Insurance Study rating for the Mid-Atlantic region. Based on a 1,000-point scale.

    The Average Cost of Car Insurance in Washington, D.C.

    The average cost of car insurance in Washington, D.C., is $1,675 for a full coverage policy and $678 for a minimum coverage policy, according to data from Coverage.com. For comparison, the national average car insurance premium is $1,555 for a full coverage policy. Drivers in Washington, D.C., pay slightly less for car insurance than drivers in neighboring states, like Maryland ($1,787) and Delaware ($1,730).

    Keep in mind that these car insurance rates are just averages. They reflect certain risks in the District, like crime rate and accident statistics. Car insurance premiums are personalized, and insurance companies look at factors like ZIP code, age, credit score, claims history, the type of car you drive, and the amount of coverage wanted when calculating quotes.

    Top 3 Cheapest Car Insurance Companies in Washington, D.C.

    The table below includes the three cheapest car insurance companies in Washington D.C. and their average annual premium for a minimum coverage policy:

    CompanyAverage Annual Premium
    Erie$499
    USAA$508.83
    Geico$528.11

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Washington, D.C.

    The table below highlights the three most expensive car insurance companies in Washington D.C. and their average annual premium for a minimum coverage policy:

    CompanyAverage Annual Premium
    Nationwide$1,132.83
    State Farm$985.50
    Geico$528.11

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Washington, D.C., Car Insurance: What You Need to Know

    Before you purchase car insurance, it’s important to understand some of the risks that Washington D.C. drivers face. This can help you decide what type of coverage and how much coverage you might need. Here are some things to keep in mind:

    • Washington D.C. has a very high number of uninsured drivers. As of 2019, more than 19% of drivers did not carry car insurance.
    • In 2019, there were 22 fatal car accidents in Washington D.C.

    Washington, D.C., Minimum Insurance Requirements

    Almost every state requires car insurance, but the exact requirements are different. In Washington D.C., drivers are required to carry personal liability and uninsured/underinsured motorist liability coverage. The limits required are:

    • $25,000 in bodily injury coverage per person
    • $50,000 in bodily injury coverage per accident
    • $10,000 in property damage coverage per accident

    Additional Car Insurance Coverage in Washington, D.C.

    Drivers in Washington D.C. are required to carry minimum coverage car insurance, but many drivers choose to purchase additional coverages for more protection. Here are some optional policies that you might consider:

    • Collision insurance: Collision insurance pays to repair your car’s damages after a covered accident. If your car is totaled, it will pay for a new car, based on the old car’s value.
    • Comprehensive insurance: Comprehensive insurance pays to repair your car’s damages after a non-collision incident, like a fire, flood, falling object damage, theft, or vandalism.
    • Roadside assistance: Roadside assistance pays for the cost of basic repairs if your car breaks down. It also covers towing, battery replacement, fuel delivery, extrication, and flat tire changes.
    • New car replacement coverage: If your car gets totaled in a covered peril, new car replacement coverage will reimburse you for the cost of your vehicle’s original value, without factoring in depreciation.

    Washington, D.C., Car Insurance FAQ 

    Methodology 

    Reviews.com scores products, services, and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Washington, D.C., our editorial team compared affordability, customer support, coverage options, customer satisfaction scores, and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Washington, D.C. based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100K bodily injury liability per person
    • $300K bodily injury liability coverage per crash
    • $100K property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Elizabeth Rivelli

    Elizabeth Rivelli Contributing Writer

    Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.

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