The Cheapest Car Insurance in Washington, D.C., for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Washington, D.C. for a variety of ages and driving histories.
Feb 24, 2022

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Auto insurance is an important purchase, but finding cheap car insurance in D.C. isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in D.C. is $1,993 per year, or about $166 per month, according to NerdWallet’s analysis. Minimum coverage in D.C. is $758 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in D.C. at $376 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

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Cheapest car insurance company overall in Washington, D.C.

$93/month

4.5

NerdWallet rating 

Cheapest for minimum coverage

$31/month

4.5

NerdWallet rating 

Cheapest for young drivers

$176/month

4.0

NerdWallet rating 

Cheapest for drivers with poor credit

$93/month

4.5

NerdWallet rating 

How we chose the cheapest companies in D.C.

NerdWallet’s editorial team analyzed car insurance rates from seven auto insurers in Washington, D.C., and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Washington, D.C. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in D.C. for 20-year-olds

Drivers in D.C. with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Erie: $2,106 per year, or about $176 per month.

  2. Geico: $2,127 per year, or about $177 per month.

  3. Nationwide: $4,276 per year, or about $356 per month.

  4. State Farm: $4,421 per year, or about $368 per month.

  5. Progressive: $4,448 per year, or about $371 per month.

Cheapest minimum coverage car insurance in D.C. for 20-year-olds

Drivers in D.C. who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Geico: $717 per year, or about $60 per month.

  2. Erie: $884 per year, or about $74 per month.

  3. Allstate: $1,626 per year, or about $136 per month.

  4. State Farm: $1,807 per year, or about $151 per month.

  5. Progressive: $2,016 per year, or about $168 per month.

Cheapest auto insurance in D.C. for 20-year-olds with poor credit

Drivers with poor credit in D.C. should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $940 per year, or about $78 per month.

  2. Allstate: $1,987 per year, or about $166 per month.

  3. Erie: $2,407 per year, or about $201 per month.

  4. Progressive: $3,428 per year, or about $286 per month.

  5. State Farm: $3,613 per year, or about $301 per month.

Cheapest auto insurance in D.C. for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in D.C., here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $888 per year, or about $74 per month.

  2. Erie: $1,216 per year, or about $101 per month.

  3. Allstate: $2,206 per year, or about $184 per month.

  4. State Farm: $2,375 per year, or about $198 per month.

  5. Nationwide: $2,742 per year, or about $228 per month.

Cheapest auto insurance in D.C. for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Geico: $1,107 per year, or about $92 per month.

  2. Erie: $1,354 per year, or about $113 per month.

  3. Allstate: $2,075 per year, or about $173 per month.

  4. Progressive: $2,408 per year, or about $201 per month.

  5. State Farm: $2,874 per year, or about $240 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in D.C. for 30-year-olds

Drivers in D.C. with clean driving records may get the lowest rates from these companies:

  1. Geico: $1,156 per year, or about $96 per month.

  2. Erie: $1,225 per year, or about $102 per month.

  3. Progressive: $1,567 per year, or about $131 per month.

  4. Nationwide: $2,034 per year, or about $170 per month.

  5. State Farm: $2,068 per year, or about $172 per month.

Cheapest minimum coverage car insurance in D.C. for 30-year-olds

Drivers in D.C. who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $382 per year, or about $32 per month.

  2. Erie: $517 per year, or about $43 per month.

  3. Progressive: $664 per year, or about $55 per month.

  4. State Farm: $886 per year, or about $74 per month.

  5. Nationwide: $1,064 per year, or about $89 per month.

Cheapest auto insurance in D.C. for 30-year-olds with poor credit

Drivers with poor credit in D.C. should consider the following companies with the lowest average rates for full coverage:

  1. Geico: $1,582 per year, or about $132 per month.

  2. Progressive: $2,788 per year, or about $232 per month.

  3. Nationwide: $2,878 per year, or about $240 per month.

  4. Erie: $3,229 per year, or about $269 per month.

  5. State Farm: $4,146 per year, or about $346 per month.

Cheapest auto insurance in D.C. for 30-year-old drivers with one at-fault crash

For drivers in D.C. with a recent accident, here are the lowest average rate options for full coverage:

  1. Erie: $1,575 per year, or about $131 per month.

  2. Geico: $1,679 per year, or about $140 per month.

  3. State Farm: $2,678 per year, or about $223 per month.

  4. Nationwide: $2,862 per year, or about $238 per month.

  5. Progressive: $3,228 per year, or about $269 per month.

Cheapest auto insurance in D.C. for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Erie: $1,862 per year, or about $155 per month.

  2. Progressive: $1,945 per year, or about $162 per month.

  3. Geico: $2,293 per year, or about $191 per month.

  4. State Farm: $3,188 per year, or about $266 per month.

  5. Nationwide: $3,701 per year, or about $308 per month.

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Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in D.C. for 40-year-olds

Drivers in D.C. with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Geico: $1,109 per year, or about $92 per month.

  2. Erie: $1,110 per year, or about $92 per month.

  3. Progressive: $1,455 per year, or about $121 per month.

  4. Nationwide: $2,032 per year, or about $169 per month.

  5. State Farm: $2,032 per year, or about $169 per month.

Cheapest minimum coverage car insurance in D.C. for 40-year-olds

Drivers in D.C. who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Geico: $374 per year, or about $31 per month.

  2. Erie: $472 per year, or about $39 per month.

  3. Progressive: $632 per year, or about $53 per month.

  4. State Farm: $892 per year, or about $74 per month.

  5. Nationwide: $1,064 per year, or about $89 per month.

Cheapest auto insurance in D.C. for 40-year-olds with poor credit

Drivers with poor credit in D.C. can check out the following insurers with the lowest average rates for full coverage:

  1. Geico: $1,616 per year, or about $135 per month.

  2. Progressive: $2,594 per year, or about $216 per month.

  3. Nationwide: $2,854 per year, or about $238 per month.

  4. Erie: $2,932 per year, or about $244 per month.

  5. State Farm: $4,070 per year, or about $339 per month.

Cheapest auto insurance in D.C. for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in D.C., here are the companies with the lowest average rates for full coverage:

  1. Erie: $1,424 per year, or about $119 per month.

  2. Geico: $1,645 per year, or about $137 per month.

  3. State Farm: $2,633 per year, or about $219 per month.

  4. Nationwide: $2,845 per year, or about $237 per month.

  5. Progressive: $3,078 per year, or about $256 per month.

Cheapest auto insurance in D.C. for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Erie: $1,683 per year, or about $140 per month.

  2. Progressive: $1,826 per year, or about $152 per month.

  3. Geico: $2,290 per year, or about $191 per month.

  4. State Farm: $3,135 per year, or about $261 per month.

  5. Nationwide: $3,691 per year, or about $308 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in D.C. for 50-year-olds

Drivers in D.C. with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Erie: $986 per year, or about $82 per month.

  2. Geico: $1,139 per year, or about $95 per month.

  3. Progressive: $1,302 per year, or about $108 per month.

  4. Nationwide: $1,956 per year, or about $163 per month.

  5. State Farm: $1,995 per year, or about $166 per month.

Cheapest minimum coverage car insurance in D.C. for 50-year-olds

Drivers in D.C. who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $384 per year, or about $32 per month.

  2. Erie: $419 per year, or about $35 per month.

  3. Progressive: $572 per year, or about $48 per month.

  4. State Farm: $886 per year, or about $74 per month.

  5. Nationwide: $1,021 per year, or about $85 per month.

Cheapest auto insurance in D.C. for 50-year-olds with poor credit

Drivers with poor credit in D.C. can check with the following companies, which showed the lowest average rates for full coverage:

  1. Geico: $1,840 per year, or about $153 per month.

  2. Progressive: $2,320 per year, or about $193 per month.

  3. Erie: $2,610 per year, or about $218 per month.

  4. Nationwide: $2,736 per year, or about $228 per month.

  5. State Farm: $3,992 per year, or about $333 per month.

Cheapest auto insurance in D.C. for 50-year-old drivers with one at-fault crash

For drivers living in D.C. with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Erie: $1,273 per year, or about $106 per month.

  2. Geico: $1,760 per year, or about $147 per month.

  3. State Farm: $2,587 per year, or about $216 per month.

  4. Nationwide: $2,774 per year, or about $231 per month.

  5. Progressive: $3,006 per year, or about $250 per month.

Cheapest auto insurance in D.C. for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Erie: $1,511 per year, or about $126 per month.

  2. Progressive: $1,682 per year, or about $140 per month.

  3. Geico: $2,469 per year, or about $206 per month.

  4. State Farm: $3,082 per year, or about $257 per month.

  5. Nationwide: $3,613 per year, or about $301 per month.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in D.C. for 60-year-olds

Drivers in D.C. with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Erie: $1,072 per year, or about $89 per month.

  2. Geico: $1,154 per year, or about $96 per month.

  3. Progressive: $1,275 per year, or about $106 per month.

  4. Nationwide: $1,830 per year, or about $152 per month.

  5. State Farm: $1,890 per year, or about $158 per month.

Cheapest minimum coverage car insurance in D.C. for 60-year-olds

Drivers in D.C. who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Geico: $393 per year, or about $33 per month.

  2. Erie: $455 per year, or about $38 per month.

  3. Progressive: $564 per year, or about $47 per month.

  4. State Farm: $848 per year, or about $71 per month.

  5. Nationwide: $952 per year, or about $79 per month.

Cheapest auto insurance in D.C. for 60-year-olds with poor credit

Drivers with poor credit in D.C. can look at the following companies with the lowest average rates for full coverage:

  1. Geico: $1,872 per year, or about $156 per month.

  2. Progressive: $2,267 per year, or about $189 per month.

  3. Nationwide: $2,522 per year, or about $210 per month.

  4. Erie: $2,834 per year, or about $236 per month.

  5. State Farm: $3,774 per year, or about $314 per month.

Cheapest auto insurance in D.C. for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in D.C., here are the companies with the lowest average rates for full coverage:

  1. Erie: $1,387 per year, or about $116 per month.

  2. Geico: $1,789 per year, or about $149 per month.

  3. State Farm: $2,452 per year, or about $204 per month.

  4. Nationwide: $2,622 per year, or about $218 per month.

  5. Progressive: $2,966 per year, or about $247 per month.

Cheapest auto insurance in D.C. for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Erie: $1,649 per year, or about $137 per month.

  2. Progressive: $1,654 per year, or about $138 per month.

  3. Geico: $2,517 per year, or about $210 per month.

  4. State Farm: $2,922 per year, or about $244 per month.

  5. Nationwide: $3,462 per year, or about $288 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 45 of the 48 driver profiles we examined.

Minimum required auto insurance in D.C.

Drivers in Washington, D.C., must carry liability insurance, uninsured motorist bodily injury coverage (UMBI) and uninsured motorist property damage coverage (UMPD) in the following amounts:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per accident.

  • $10,000 property damage liability per accident.

  • $25,000 UMBI per person.

  • $50,000 UMBI per accident.

  • $5,000 UMPD per accident.

Keep in mind, a serious crash could easily cause damages that exceed these amounts, which is why it’s wise to buy more than the bare minimum that’s legally required.

Check out NerdWallet's guide to state car insurance requirements to learn more about the coverage limits on D.C. policies as well as optional coverages you might want to add.

Alternative car insurance in Washington, D.C.

If you have a checkered driving history, poor credit or other factors preventing you from getting traditional auto coverage, you can seek coverage through the District of Columbia Automobile Insurance Plan.

NerdWallet’s auto insurance comparison tool provides fast, easy quotes from many top companies.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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