Chubb offers the most affordable car insurance in the District, with an average monthly rate of just $31 and an annual cost of $372. This rate is $415 less than the district’s average. These figures are sourced from Quadrant Information Services, reflecting the most budget-friendly options as of December 2024. Read our research methodology to learn about how we found the cheapest Washington, D.C., car insurance.
Cheapest Car Insurance in Washington, D.C.
Updated: December 18, 2024
Advertising & Editorial Disclosure
Key Takeaways
For December 2024, the cheapest car insurance companies for drivers in Washington, D.C., are Chubb, Erie, GEICO, Progressive and Nationwide.
The lowest rates in Washington, D.C., are $31 per month for minimum coverage from Chubb and $97 per month for full coverage from Erie.
On average, car insurance costs $66 per month for minimum coverage and $131 per month for full coverage in Washington, D.C.
What Is the Cheapest Car Insurance in Washington, D.C.?
Cheapest Car Insurance Companies in Washington, D.C.
Chubb is the cheapest car insurance company for most drivers in Washington, D.C., with an average monthly cost of $73 for both minimum and full coverage. This rate is $25 less than the district's average. Other affordable options include Erie, GEICO, Progressive and Nationwide.
| Chubb | $73 | $25 |
| Erie | $74 | $25 |
| GEICO | $78 | $20 |
| Progressive | $82 | $16 |
*We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.
Best Car Insurance Rates in Washington, D.C.
Chubb offers the cheapest car insurance for most drivers in Washington, D.C. However, your cheapest rate may vary based on your personal background. Below, we highlight the most affordable car insurance rates for various driving profiles in the area.
| Minimum Coverage | Chubb | $31 |
| Full Coverage | Erie | $97 |
| Drivers With Bad Credit | Chubb | $44 |
| Drivers With a DUI | Chubb | $64 |
| Drivers With an Accident | Chubb | $42 |
| Drivers With a Speeding Ticket | Chubb | $34 |
Read More: Cheapest Car Insurance
Cheapest Minimum Coverage Car Insurance in Washington, D.C.
Chubb offers the cheapest rate, but Erie, GEICO and Progressive also provide cheap minimum liability coverage for DC drivers. Their average rates are all below the $66 district average. Use the table below to explore more rates and see how they stack up against the average.
| Chubb | $31 | $35 |
| Erie | $50 | $16 |
| GEICO | $55 | $11 |
| Progressive | $57 | $8 |
Cheapest Full Coverage Car Insurance in Washington, D.C.
Erie is the cheapest provider for full coverage auto insurance in Washington, D.C., with rates averaging $97 per month or $1,168 per year. These rates are notably more affordable than the district's average. Check the table below for other provider options.
| Erie | $97 | $33 |
| GEICO | $101 | $30 |
| Progressive | $106 | $24 |
| Chubb | $115 | $16 |
Cheapest Car Insurance in Washington, D.C., for Young Drivers
Chubb has the cheapest rates for young adult drivers in Washington, D.C. A Chubb minimum coverage policy costs just $44 per month on average for 25-year-old drivers.
| Chubb | $44 | $32 |
| Erie | $60 | $16 |
| Progressive | $69 | $8 |
| GEICO | $69 | $7 |
*We used minimum coverage for a 25-year old driver with good credit and no driving violations to determine the cheapest provider.
Cheapest Car Insurance Rates for Young Drivers in Washington, D.C.
For young drivers looking for affordable auto insurance, Chubb and Erie are top contenders in the nation's capital. Young adults can find minimum coverage with Chubb starting at $44 monthly, while Erie offers full coverage for $119. Rates can vary based on your driving history, but these companies are a good starting point for budget-friendly options.
| Chubb | Minimum Coverage | $44 |
| Erie | Full Coverage | $119 |
| Chubb | Drivers With Bad Credit | $64 |
| Chubb | Drivers With a DUI | $78 |
| Chubb | Drivers With an Accident | $56 |
| Chubb | Drivers With a Speeding Ticket | $47 |
Read More: Cheapest Car Insurance for Young Drivers
Cheapest Car Insurance in Washington, D.C., for Seniors
Senior drivers in D.C. can find affordable rates with Chubb. Its monthly rate is just $29 on average for minimum coverage.
| Chubb | $29 | $39 |
| Erie | $51 | $17 |
| GEICO | $63 | $5 |
| Progressive | $63 | $4 |
*We used minimum coverage for a 65-year old driver with good credit and no driving violations to determine the cheapest provider.
Cheapest Car Insurance Rates for Seniors in Washington, D.C.
Chubb and Erie offer affordable car insurance for senior drivers in the nation's capital. While your quote may differ, use the rates below to guide your search for the best policy.
| Chubb | Minimum Coverage | $29 |
| Erie | Full Coverage | $99 |
| Chubb | Drivers With Bad Credit | $40 |
| Chubb | Drivers With a DUI | $62 |
| Chubb | Drivers With an Accident | $39 |
| Chubb | Drivers With a Speeding Ticket | $31 |
Read More: Cheapest Car Insurance for Seniors
Cheap Auto Insurance for High-Risk Drivers in Washington, D.C.
Drivers in Washington, D.C., with a DUI, at-fault accident or speeding ticket are considered high-risk and pay more for car insurance. Premiums vary depending on the offense for high-risk drivers. Below are the best rates for drivers with these infractions.
Cheapest Car Insurance in Washington, D.C., With a DUI
Chubb offers the best rates for Washington, D.C., drivers with DUIs, averaging $64 per month ($773 per year) for minimum coverage. Check the table below for a list of insurance providers and their average monthly premiums for drivers with DUIs in the area.
| Chubb | $64 | $35 |
| Progressive | $69 | $31 |
| Erie | $77 | $22 |
| State Farm | $80 | $20 |
*We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.
Cheapest Car Insurance in Washington, D.C., With an Accident
Chubb offers the cheapest auto insurance after an at-fault accident with rates averaging $42 per month. Below is a list of other insurers offering affordable coverage for drivers with accidents on their records. Rates apply to minimum coverage policies.
| Chubb | $42 | $51 |
| Erie | $65 | $28 |
| GEICO | $87 | $6 |
| State Farm | $87 | $6 |
*We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.
Cheapest Car Insurance in Washington, D.C., With a Speeding Ticket
Chubb offers the cheapest insurance for drivers with a speeding ticket, with rates at $34 per month. Check the table below to compare providers offering minimum coverage for drivers with a speeding ticket.
| Chubb | $34 | $41 |
| Erie | $52 | $23 |
| GEICO | $66 | $9 |
*We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.
Cheapest Car Insurance in Washington, D.C., for Drivers With Bad Credit
Chubb is the cheapest car insurance provider for drivers with poor credit, offering an average monthly rate of $34 and an annual rate of $404 for minimum coverage. Review the table below for more options from other providers.
| Chubb | $44 | $70 |
| Progressive | $103 | $10 |
| Nationwide | $106 | $7 |
| GEICO | $113 | $0 |
*These rates are based on a 40-year-old driver with bad credit and a clean driving record.
Cheapest Home and Auto Insurance in Washington, D.C.
For affordable bundle home and auto insurance in D.C., consider top options. View more cheap companies for bundling policies in the table below.
| State Farm | $2,133 |
| Allstate | $2,289 |
*Rates are for a 40 year old driver with good credit and no driving violations
How Much Does Car Insurance Cost in Washington, D.C.?
In Washington, D.C., the monthly average cost for full coverage car insurance is $131, while minimum coverage averages $66. Understanding these average costs of car insurance in Washington, D.C. can help you gauge if you're getting a fair deal on your policy.
Is Car Insurance in Washington, D.C., Expensive?
The cost of car insurance in Washington, D.C., ranks 12th among U.S. states — even though it's technically not a state. The more reasonable cost can be attributed to factors such as lower population density, fewer natural disasters, and a reduced vehicle theft rate.
Washington, D.C., Car Insurance Minimum Requirements
In accordance with Washington, D.C., law, all drivers must carry car insurance policies that meet the district's minimum coverage limits. These limits include $25,000 for bodily injury per person, $50,000 per accident, and $10,000 for property damage per accident. Additionally, coverage for uninsured/underinsured motorists is required at $25,000 per person and $50,000 per accident, with $5,000 for property damage.
If you finance or lease your car, you'll need to purchase comprehensive and collision insurance on top of the minimum liability coverages. While a minimum liability auto insurance policy is the most affordable option, it provides the least financial protection. To safeguard your finances, experts recommend opting for full coverage insurance with the highest deductible and liability limits you can afford.
Bodily Injury Liability
Bodily injury liability covers expenses related to injuries you cause to others in an accident. The minimum limits are $25,000 per person and $50,000 per accident. This helps cover medical bills and legal fees if you're at fault.
Property Damage Liability
Property damage liability pays for damage you cause to another person's property. The minimum limit is $10,000 per accident. This helps cover repair costs for vehicles or other property you damage.
Uninsured/Underinsured
Uninsured/underinsured coverage protects you if you're hit by a driver without insurance or not enough coverage. The minimum limits are $25,000 per person and $50,000 per accident. It helps cover your medical expenses and damages.
Drivers with serious traffic violations, like speeding or drunk driving, might need to file for SR-22 insurance, which can increase premiums. Your insurance provider usually submits the SR-22 form, but check your policy details. The SR-22 is typically valid for three years from your last offense, ensuring compliance with Washington, D.C., requirements.
Alternative Ways to Satisfy Washington, D.C., Car Insurance Requirements
In the nation's capital, self-insurance is a common alternative to traditional car insurance. This option allows you to cover financial risks yourself, meeting the district's minimum coverage requirements.
For business owners, fleet insurance is a practical choice. It covers multiple vehicles under one policy, simplifying management and ensuring compliance with local insurance laws.
How Much Car Insurance Should I Get in Washington, D.C.?
MoneyGeek recommends that drivers get full coverage car insurance, which includes liability, collision, and comprehensive coverage. We suggest the following liability limits for your protection:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage per accident
Comprehensive coverage pays for damage to your car from events like theft, vandalism, severe weather, or fire when you're not on the road. Collision coverage, on the other hand, helps pay for repairs if your car is damaged in an on-road crash.
If you own a valuable car, it's wise to have both comprehensive and collision insurance, even if it's not required by law. When choosing your deductible for these coverages, consider what you can afford to pay out of pocket before insurance covers the remaining costs.
Cheap Car Insurance in Washington, D.C.: Bottom Line
Erie offers the cheapest full coverage car insurance at $97, while Chubb is top for minimum coverage at just $31. Cheap rates are tempting, but remember, the least expensive option may not be the best. Experts advise getting as much coverage as you can afford for solid financial protection on D.C. roads.
Cheap Car Insurance in Washington, D.C.: FAQ
MoneyGeek answers common questions about finding affordable car insurance in Washington, D.C., to help ensure you get the right protection for your needs.
What are the cheapest car insurance companies in Washington, D.C.?
Erie Insurance offers the most affordable full coverage car insurance in Washington, D.C., with rates of $97 monthly. It provides a budget-friendly option for comprehensive road protection. For minimum coverage, Chubb is the least expensive choice, starting at $31 per month.
Who has the cheapest car insurance rates for young drivers in Washington, D.C.?
Young drivers in Washington, D.C., can find the lowest car insurance rates with Erie, averaging $90 per month. This rate is well below the average, making it a budget-friendly option for minimum coverage auto insurance.
Who offers the cheapest car insurance rates for seniors in Washington, D.C.?
Chubb provides the most budget-friendly car insurance rates for seniors in Washington, D.C., with an average monthly premium of $67. This offers a $31 savings compared to the typical rate.
Should you buy the cheapest car insurance available in Washington, D.C.?
While opting for the lowest-priced car insurance can be tempting, it's important to ensure adequate financial protection against major losses. Erie offers a competitive mix of fair prices and dependable service, making it a popular choice for the best car insurance in Washington, D.C. Its full coverage policies start at approximately $97 per month. For those interested in minimum coverage, Chubb stands out for its cost-effectiveness and reliable support, with rates starting at $31 per month.
How much does car insurance in Washington, D.C., cost, on average?
In Washington, D.C., the average cost for full coverage car insurance is $131 per month, while minimum coverage averages $66 monthly. Though lower premiums are attractive, it's wise to choose a policy that offers sufficient protection against major financial setbacks. The right coverage can help avoid costly expenses from accidents or damages, ensuring financial security on the road.
What are car insurance requirements in Washington, D.C.?
In Washington, D.C., drivers need to have minimum coverage auto insurance, which includes bodily injury liability of $25,000 per person and $50,000 per accident, and property damage liability of $10,000 per accident. Additionally, uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident, along with uninsured motorist property damage of $5,000, is mandatory. While choosing the lowest-priced option might be appealing, it's vital to have enough coverage to protect against large financial losses in the event of an accident. Balancing cost with adequate protection is key when selecting insurance.
Affordable Car Insurance in District of Columbia: How We Found the Best Cheap Rates
MoneyGeek obtained auto insurance rates from the D.C. Department of Insurance and Quadrant Information Services. We examined auto insurance quotes from providers across ZIP codes to determine the most affordable car insurance companies in the District of Columbia.
Washington, D.C. Driver Profile
For our analysis, we used a driver profile of a 40-year-old male with a clean driving record, driving a 2012 Toyota Camry LE for about 12,000 miles annually. To cater to a broader audience, we adjusted this profile based on various factors such as age, driving record, and car make and model.
Standard Coverage Levels in Washington, D.C.
Our comparison includes car insurance companies offering both minimum and full coverage policies. The minimum coverage liability limits in Washington, D.C., are:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $10,000 for property damage liability per accident.
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $5,000 uninsured/Underinsured property damage coverage
PIP, medical payments, and death liability coverage specifics are not available.
For full coverage policies, we used standard liability limits and a $1,000 deductible for comprehensive and collision coverage.
Home and Auto Coverage Levels in Washington, D.C.
In addition to auto insurance, we analyzed home insurance rates with standard coverage levels, which include $250,000 dwelling coverage and $100,000 personal liability coverage, among other coverages, with a $1,000 deductible. These insights help consumers make informed decisions regarding their insurance needs in Washington, D.C.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.