Cheap Car Insurance in Washington, D.C., for April 2024

Erie offers the cheapest car insurance in Washington, D.C., with an average annual rate of $1,312 for full coverage.
Ben Moore
By Ben Moore  
Updated

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Auto insurance is an important purchase, but finding cheap car insurance in Washington, D.C. isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Washington, D.C. is Erie at $1,312 per year on average, or $109 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Washington, D.C. . Meanwhile, the average cost of full coverage car insurance in Washington, D.C. is $2,336 per year, or about $195 per month.

Minimum coverage in Washington, D.C. is $1,165 per year on average, but we found you can likely get a cheaper policy. For example, Chubb offers the cheapest rates in Washington, D.C. at $319 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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How we chose the cheapest companies in Washington, D.C.

NerdWallet’s editorial team analyzed car insurance rates from 8 auto insurers in Washington, D.C. and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 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.

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 Washington, D.C. 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.

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 Washington, D.C. for 20-year-olds

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

  1. Erie: $2,678 per year, or about $223 per month.
  2. Chubb: $3,465 per year, or about $289 per month.
  3. Geico: $4,232 per year, or about $353 per month.
  4. Progressive: $4,853 per year, or about $404 per month.
  5. Nationwide: $6,015 per year, or about $501 per month.

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

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

  1. Chubb: $586 per year, or about $49 per month.
  2. Erie: $1,162 per year, or about $97 per month.
  3. Geico: $1,454 per year, or about $121 per month.
  4. Allstate: $2,266 per year, or about $189 per month.
  5. State Farm: $2,701 per year, or about $225 per month.

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

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

  1. Chubb: $846 per year, or about $70 per month.
  2. Geico: $2,989 per year, or about $249 per month.
  3. Allstate: $3,018 per year, or about $252 per month.
  4. Erie: $3,160 per year, or about $263 per month.
  5. Nationwide: $4,414 per year, or about $368 per month.

Cheapest auto insurance in Washington, D.C. for 20-year-old drivers with one speeding ticket

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

  1. Chubb: $629 per year, or about $52 per month.
  2. Erie: $1,419 per year, or about $118 per month.
  3. Geico: $1,877 per year, or about $156 per month.
  4. Allstate: $2,407 per year, or about $201 per month.
  5. Nationwide: $3,089 per year, or about $257 per month.

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

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

  1. Chubb: $726 per year, or about $60 per month.
  2. Erie: $1,381 per year, or about $115 per month.
  3. Geico: $2,496 per year, or about $208 per month.
  4. Allstate: $3,119 per year, or about $260 per month.
  5. Nationwide: $3,273 per year, or about $273 per month.

Cheapest auto insurance in Washington, 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. Chubb: $986 per year, or about $82 per month.
  2. Erie: $1,784 per year, or about $149 per month.
  3. Geico: $2,879 per year, or about $240 per month.
  4. Allstate: $2,897 per year, or about $241 per month.
  5. Progressive: $3,111 per year, or about $259 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 Washington, D.C. for 30-year-olds

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

  1. Erie: $1,376 per year, or about $115 per month.
  2. Chubb: $1,771 per year, or about $148 per month.
  3. Progressive: $2,379 per year, or about $198 per month.
  4. Nationwide: $2,645 per year, or about $220 per month.
  5. Geico: $2,748 per year, or about $229 per month.

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

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

  1. Chubb: $319 per year, or about $27 per month.
  2. Erie: $603 per year, or about $50 per month.
  3. Geico: $1,165 per year, or about $97 per month.
  4. State Farm: $1,172 per year, or about $98 per month.
  5. Nationwide: $1,219 per year, or about $102 per month.

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

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

  1. Chubb: $2,547 per year, or about $212 per month.
  2. Erie: $3,645 per year, or about $304 per month.
  3. Nationwide: $3,927 per year, or about $327 per month.
  4. Progressive: $4,725 per year, or about $394 per month.
  5. Geico: $5,561 per year, or about $463 per month.

Cheapest auto insurance in Washington, D.C. for 30-year-old drivers with one speeding ticket

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

  1. Chubb: $361 per year, or about $30 per month.
  2. Erie: $632 per year, or about $53 per month.
  3. State Farm: $1,390 per year, or about $116 per month.
  4. Nationwide: $1,427 per year, or about $119 per month.
  5. Geico: $1,459 per year, or about $122 per month.

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

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

  1. Erie: $1,820 per year, or about $152 per month.
  2. Chubb: $2,569 per year, or about $214 per month.
  3. Progressive: $3,360 per year, or about $280 per month.
  4. Nationwide: $3,898 per year, or about $325 per month.
  5. State Farm: $4,462 per year, or about $372 per month.

Cheapest auto insurance in Washington, 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: $2,196 per year, or about $183 per month.
  2. Progressive: $2,680 per year, or about $223 per month.
  3. Chubb: $4,312 per year, or about $359 per month.
  4. Nationwide: $5,167 per year, or about $431 per month.
  5. State Farm: $5,222 per year, or about $435 per month.

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 Washington, D.C. for 40-year-olds

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

  1. Erie: $1,246 per year, or about $104 per month.
  2. Chubb: $1,771 per year, or about $148 per month.
  3. Progressive: $2,245 per year, or about $187 per month.
  4. Nationwide: $2,641 per year, or about $220 per month.
  5. Geico: $2,660 per year, or about $222 per month.

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

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

  1. Chubb: $319 per year, or about $27 per month.
  2. Erie: $548 per year, or about $46 per month.
  3. Geico: $1,156 per year, or about $96 per month.
  4. State Farm: $1,184 per year, or about $99 per month.
  5. Nationwide: $1,219 per year, or about $102 per month.

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

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

  1. Chubb: $2,547 per year, or about $212 per month.
  2. Erie: $3,306 per year, or about $276 per month.
  3. Nationwide: $3,893 per year, or about $324 per month.
  4. Progressive: $4,481 per year, or about $373 per month.
  5. Geico: $5,333 per year, or about $444 per month.

Cheapest auto insurance in Washington, D.C. for 40-year-old drivers with one speeding ticket

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

  1. Chubb: $361 per year, or about $30 per month.
  2. Erie: $574 per year, or about $48 per month.
  3. State Farm: $1,404 per year, or about $117 per month.
  4. Nationwide: $1,414 per year, or about $118 per month.
  5. Geico: $1,447 per year, or about $121 per month.

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

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

  1. Erie: $1,645 per year, or about $137 per month.
  2. Chubb: $2,569 per year, or about $214 per month.
  3. Progressive: $3,216 per year, or about $268 per month.
  4. Nationwide: $3,873 per year, or about $323 per month.
  5. State Farm: $4,331 per year, or about $361 per month.

Cheapest auto insurance in Washington, 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: $1,985 per year, or about $165 per month.
  2. Progressive: $2,544 per year, or about $212 per month.
  3. Chubb: $4,312 per year, or about $359 per month.
  4. State Farm: $5,070 per year, or about $422 per month.
  5. Nationwide: $5,152 per year, or about $429 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 Washington, D.C. for 50-year-olds

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

  1. Erie: $1,102 per year, or about $92 per month.
  2. Chubb: $1,686 per year, or about $141 per month.
  3. Progressive: $2,100 per year, or about $175 per month.
  4. Nationwide: $2,526 per year, or about $210 per month.
  5. Geico: $2,840 per year, or about $237 per month.

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

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

  1. Chubb: $305 per year, or about $25 per month.
  2. Erie: $487 per year, or about $41 per month.
  3. Geico: $1,156 per year, or about $96 per month.
  4. Nationwide: $1,167 per year, or about $97 per month.
  5. State Farm: $1,171 per year, or about $98 per month.

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

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

  1. Chubb: $2,421 per year, or about $202 per month.
  2. Erie: $2,929 per year, or about $244 per month.
  3. Nationwide: $3,714 per year, or about $309 per month.
  4. Progressive: $4,200 per year, or about $350 per month.
  5. Geico: $5,310 per year, or about $443 per month.

Cheapest auto insurance in Washington, D.C. for 50-year-old drivers with one speeding ticket

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

  1. Chubb: $348 per year, or about $29 per month.
  2. Erie: $509 per year, or about $42 per month.
  3. Nationwide: $1,369 per year, or about $114 per month.
  4. State Farm: $1,389 per year, or about $116 per month.
  5. Geico: $1,501 per year, or about $125 per month.

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

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

  1. Erie: $1,465 per year, or about $122 per month.
  2. Chubb: $2,479 per year, or about $207 per month.
  3. Progressive: $3,185 per year, or about $265 per month.
  4. Nationwide: $3,763 per year, or about $314 per month.
  5. State Farm: $4,204 per year, or about $350 per month.

Cheapest auto insurance in Washington, 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: $1,778 per year, or about $148 per month.
  2. Progressive: $2,425 per year, or about $202 per month.
  3. Chubb: $4,227 per year, or about $352 per month.
  4. State Farm: $4,925 per year, or about $410 per month.
  5. Nationwide: $5,032 per year, or about $419 per month.

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 Washington, D.C. for 60-year-olds

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

  1. Erie: $1,199 per year, or about $100 per month.
  2. Chubb: $1,686 per year, or about $141 per month.
  3. Progressive: $2,104 per year, or about $175 per month.
  4. Nationwide: $2,334 per year, or about $195 per month.
  5. Geico: $2,893 per year, or about $241 per month.

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

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

  1. Chubb: $305 per year, or about $25 per month.
  2. Erie: $527 per year, or about $44 per month.
  3. Nationwide: $1,082 per year, or about $90 per month.
  4. State Farm: $1,101 per year, or about $92 per month.
  5. Geico: $1,156 per year, or about $96 per month.

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

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

  1. Chubb: $2,421 per year, or about $202 per month.
  2. Erie: $3,182 per year, or about $265 per month.
  3. Nationwide: $3,387 per year, or about $282 per month.
  4. Progressive: $4,202 per year, or about $350 per month.
  5. Geico: $5,112 per year, or about $426 per month.

Cheapest auto insurance in Washington, D.C. for 60-year-old drivers with one speeding ticket

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

  1. Chubb: $348 per year, or about $29 per month.
  2. Erie: $552 per year, or about $46 per month.
  3. Nationwide: $1,284 per year, or about $107 per month.
  4. State Farm: $1,307 per year, or about $109 per month.
  5. Geico: $1,527 per year, or about $127 per month.

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

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

  1. Erie: $1,599 per year, or about $133 per month.
  2. Chubb: $2,479 per year, or about $207 per month.
  3. Progressive: $3,193 per year, or about $266 per month.
  4. Nationwide: $3,533 per year, or about $294 per month.
  5. State Farm: $3,907 per year, or about $326 per month.

Cheapest auto insurance in Washington, 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: $1,943 per year, or about $162 per month.
  2. Progressive: $2,431 per year, or about $203 per month.
  3. Chubb: $4,227 per year, or about $352 per month.
  4. State Farm: $4,576 per year, or about $381 per month.
  5. Nationwide: $4,801 per year, or about $400 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Washington, D.C. for 70-year-olds

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

  1. Erie: $1,322 per year, or about $110 per month.
  2. Chubb: $1,686 per year, or about $141 per month.
  3. Progressive: $2,413 per year, or about $201 per month.
  4. Nationwide: $2,645 per year, or about $220 per month.
  5. State Farm: $3,216 per year, or about $268 per month.

Cheapest minimum coverage car insurance in Washington, D.C. for 70-year-olds

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

  1. Chubb: $305 per year, or about $25 per month.
  2. Erie: $581 per year, or about $48 per month.
  3. State Farm: $1,170 per year, or about $97 per month.
  4. Nationwide: $1,252 per year, or about $104 per month.
  5. Geico: $1,335 per year, or about $111 per month.

Cheapest auto insurance in Washington, D.C. for 70-year-olds with poor credit

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

  1. Chubb: $2,421 per year, or about $202 per month.
  2. Erie: $3,499 per year, or about $292 per month.
  3. Nationwide: $3,914 per year, or about $326 per month.
  4. Progressive: $4,777 per year, or about $398 per month.
  5. Geico: $5,128 per year, or about $427 per month.

Cheapest auto insurance in Washington, D.C. for 70-year-old drivers with one speeding ticket

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

  1. Chubb: $348 per year, or about $29 per month.
  2. Erie: $608 per year, or about $51 per month.
  3. State Farm: $1,388 per year, or about $116 per month.
  4. Nationwide: $1,460 per year, or about $122 per month.
  5. Geico: $1,757 per year, or about $146 per month.

Cheapest auto insurance in Washington, D.C. for 70-year-old drivers with one at-fault crash

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

  1. Erie: $1,765 per year, or about $147 per month.
  2. Chubb: $2,479 per year, or about $207 per month.
  3. Progressive: $3,669 per year, or about $306 per month.
  4. Nationwide: $3,911 per year, or about $326 per month.
  5. State Farm: $4,144 per year, or about $345 per month.

Cheapest auto insurance in Washington, D.C. for 70-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: $2,145 per year, or about $179 per month.
  2. Progressive: $2,924 per year, or about $244 per month.
  3. Chubb: $4,227 per year, or about $352 per month.
  4. State Farm: $4,869 per year, or about $406 per month.
  5. Nationwide: $5,179 per year, or about $432 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 70 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

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. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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