Chubb offers the most affordable car insurance in the District, with an average monthly rate of $31 and an annual cost of $372. This rate is $415 less than the district's average. These figures come from Quadrant Information Services.
Cheapest Car Insurance in Washington, D.C.
Updated: May 18, 2026
Advertising & Editorial Disclosure
Key Takeaways
The cheapest car insurance companies for drivers in Washington, D.C., are Chubb, Erie, GEICO, Progressive and Nationwide.
The lowest monthly rates in Washington, D.C., are $31 for minimum coverage from Chubb and $97 for full coverage from Erie.
On average, car insurance costs $66 a month for minimum coverage and $131 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. Erie, GEICO, Progressive and Nationwide all average below $82 a month.
| 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. Your rate depends on your driving record, age and credit history.
| 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 |
Cheapest Minimum Coverage Car Insurance in Washington, D.C.
Chubb offers the lowest rate, but Erie, GEICO and Progressive also provide cheap minimum coverage for Washington, D.C., drivers. Their average rates are all below the $66 district average.
| Chubb | $31 | $35 |
| Erie | $50 | $16 |
| GEICO | $55 | $11 |
| Progressive | $57 | $8 |
Cheapest Full Coverage Car Insurance in Washington, D.C.
Full coverage from Erie averages $97 a month or $1,168 a year, the lowest rate in Washington, D.C.
| 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 averages $44 a month 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 in Washington, D.C., Chubb's minimum coverage starts at $44 a month. Erie's full coverage runs $119. Your driving record affects your rate, so get quotes from a few providers before choosing.
| 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 |
Cheapest Car Insurance in Washington, D.C., for Seniors
Senior drivers in D.C. can find affordable rates with Chubb. Its average monthly rate is $29 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 the lowest rates for senior drivers in Washington, D.C. Your actual quote depends on your driving record, credit and ZIP code.
| 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 |
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 by offense.
Cheapest Car Insurance in Washington, D.C., With a DUI
Chubb offers the best rates for Washington, D.C., drivers with DUIs, averaging $64 a month ($773 a year) for minimum coverage.
| 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
After an at-fault accident, Chubb offers the cheapest auto insurance in Washington, D.C., at $42 a month for minimum coverage.
| 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
After a speeding ticket, Chubb offers the cheapest minimum coverage in Washington, D.C., at $34 a month.
| 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
For drivers with poor credit, Chubb is the cheapest car insurance provider in Washington, D.C., at $44 a month or $528 a year for minimum coverage.
| 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.
Washington, D.C., drivers can cut costs by pairing home and auto coverage with the same insurer. State Farm and Allstate offer the district's lowest bundled home and auto insurance rates.
| 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., full coverage averages $131 a month, and minimum coverage averages $66. If your rate runs higher, compare quotes from a few providers.
Is Car Insurance in Washington, D.C., Expensive?
Washington, D.C., ranks 12th out of all 50 states and the district for car insurance costs. Lower population density, fewer natural disasters and lower vehicle theft rates all contribute to Washington, D.C.'s midrange premiums.
Washington, D.C., Car Insurance Minimum Requirements
Washington, D.C., law requires all drivers to 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. Coverage for uninsured/underinsured motorists is also 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. Minimum liability is the most affordable option. It covers only damage you cause to others. Your own vehicle isn't covered. Full coverage with high liability limits gives you more financial protection if you're at fault in a serious accident. Choose the highest deductible you can reasonably pay out of pocket.
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 coverage pays 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 coverage pays repair costs for vehicles or other property you damage.
Uninsured/Underinsured
Uninsured/underinsured coverage pays your costs if you're hit by a driver without insurance or without enough coverage. The minimum limits are $25,000 per person and $50,000 per accident. It covers your medical expenses and property damage.
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 stays on your record for three years from your last offense to satisfy Washington, D.C., requirements.
Alternative Ways to Satisfy Washington, D.C., Car Insurance Requirements
Self-insurance lets you cover financial risks out of pocket instead of buying a traditional policy. It still satisfies the district's minimum coverage requirements.
Fleet insurance covers multiple vehicles under one policy. Business owners can use it to meet Washington, D.C.'s insurance requirements without buying a separate policy for each vehicle.
How Much Car Insurance Should I Get in Washington, D.C.?
Full coverage, which includes liability, collision and comprehensive, gives Washington, D.C., drivers the broadest financial protection. MoneyGeek suggests carrying at least these liability limits:
- $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 pays for repairs if your car is damaged in an on-road crash.
If you own a newer or higher-value car, get both comprehensive and collision coverage regardless of what state law requires. For your deductible, choose an amount you could pay out of pocket if you needed to file a claim.
Cheap Car Insurance in Washington, D.C.: Bottom Line
Erie's full coverage averages $97 a month. Chubb's minimum coverage starts at $31. A lower rate doesn't always mean better value. Buying more coverage than the minimum gives you better financial protection when accidents happen.
Cheap Car Insurance in Washington, D.C.: FAQ
These are the most common questions Washington, D.C., drivers ask about finding affordable car insurance.
What are the cheapest car insurance companies in Washington, D.C.?
Erie's full coverage averages $97 a month in Washington, D.C. For minimum coverage, Chubb's rates start at $31 a month.
Who has the cheapest car insurance rates for young drivers in Washington, D.C.?
Young drivers in Washington, D.C., pay as little as $44 a month for minimum coverage with Chubb.
Who offers the cheapest car insurance rates for seniors in Washington, D.C.?
Senior drivers in Washington, D.C., pay the lowest rates with Chubb at $29 a month, $39 less than the district average.
Should you buy the cheapest car insurance available in Washington, D.C.?
The cheapest car insurance isn't always the best value. Erie's full coverage averages $97 a month in Washington, D.C. For minimum coverage, Chubb's rates start at $31 a month. More coverage means better financial protection if you're at fault in an accident.
How much does car insurance in Washington, D.C., cost, on average?
Full coverage car insurance in Washington, D.C., averages $131 a month. Minimum coverage averages $66. Higher coverage limits reduce what you'd pay out of pocket after an accident.
What are car insurance requirements in Washington, D.C.?
In Washington, D.C., drivers must carry minimum coverage auto insurance: bodily injury liability of $25,000 per person and $50,000 per accident, and property damage liability of $10,000 per accident. Uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident, plus $5,000 for uninsured motorist property damage, is also required. Cost and coverage both matter. A policy that meets the district's minimums at a price you can sustain is the practical floor.
Affordable Car Insurance in Washington, D.C.: How We Found the Best Cheap Rates
Washington, D.C., drivers contend with urban congestion, higher theft rates than in suburban areas and limited street parking. MoneyGeek analyzed rates across multiple ZIP codes to show how costs vary across the district.
Our driver profile: We analyzed rates for a 40-year-old male with a clean driving record, driving a 2012 Toyota Camry LE about 12,000 miles annually. We adjusted this profile based on age, driving record, and car make and model to show how rates change for different drivers.
Why these choices matter: The 2012 Camry is one of Washington, D.C.'s most common vehicles, with mid-range value that produces representative insurance costs. The 12,000 annual miles reflect the district's commuting patterns, where many residents split trips between driving and Metro. A 40-year-old with a clean record represents standard pricing. Younger drivers and those with violations will pay more.
Minimum coverage explained: Washington, D.C., requires higher minimums than many states, including mandatory uninsured motorist coverage. The district's minimums are $25,000 bodily injury liability per person, $50,000 per accident and $10,000 property damage per accident. You also need $25,000 uninsured motorist bodily injury per person, $50,000 per accident and $5,000 uninsured/underinsured property damage coverage.
Full coverage details: For full coverage policies, we used the district's minimum liability limits plus comprehensive and collision with a $1,000 deductible. A $1,000 deductible lowers your premium without making out-of-pocket costs unreasonable if you file a claim. Full coverage pays for repairs after parking lot damage, theft and weather events. These risks are common enough in Washington, D.C., to make full coverage worth carrying.
Bundle analysis: We analyzed home and auto bundle rates using $250,000 dwelling coverage, $100,000 personal liability and a $1,000 deductible for homeowners policies. Bundling can cut combined premiums by 15% to 25%. That reduction carries more weight in Washington, D.C., where costs already run high.
ZIP code variations: Washington, D.C., insurance rates vary by neighborhood based on local theft rates, accident frequency and claims history. High-traffic areas see higher premiums than quieter residential neighborhoods.
These figures come from Quadrant Information Services and the District of Columbia Department of Insurance, Securities and Banking. Compare quotes from multiple providers to find the right rate for your location and driving profile.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!