The Best Car Insurance Companies in Washington, D.C.
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Best D.C. Car Insurance for Military Members
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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
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.
* 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:
Average Annual Premium
* 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.
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.
Drivers in Washington D.C. are required to carry at least 25/50/10 personal liability and uninsured/underinsured motorist liability insurance. However, insurance companies recommend that most drivers upgrade to a full coverage policy for more protection, and increase their liability coverage limits.
Based on our Washington D.C. car insurance quotes, the cheapest provider in the District is Erie. On average, a minimum coverage policy from Erie costs $499 and a full coverage policy costs $1,786. Geico also offers cheap car insurance in Washington D.C., with slightly higher rates than Erie.
The average cost of car insurance in D.C. is $1,675 for a full coverage policy and $678 for a minimum coverage policy. However, you might pay more or less than the citywide average rate based on unique factors, like your age, credit score, and claims history.
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.
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.