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Best Cheap Car Insurance in Washington, D.C., for 2021

Dec. 8, 2020
Auto Insurance, Insurance
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Finding cheap car insurance in Washington, D.C., can be challenging. Thanks to a variety of factors, including high population density and accident frequency, car insurance rates in the District of Columbia are some of the highest in the country. Rates are also unpredictable: Prices for the same coverage can be several hundreds of dollars apart, depending on the insurers.


To help D.C. drivers simplify their shopping and find a deal, NerdWallet researched rates from 12 insurance companies operating in D.C. and found the cheapest options for several driver types.

Cheapest for 20-year-old drivers in D.C.

Drivers in their 20s may have to get a lot of quotes to find 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 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: $2,164 per year.
  2. Geico: $2,338 per year.
  3. Progressive: $3,154 per year.
  4. Nationwide: $4,354 per year.
  5. State Farm: $4,636 per year.

Cheapest minimum coverage 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: $837 per year.
  2. Erie: $930 per year.
  3. Allstate: $1,637 per year.
  4. State Farm: $1,893 per year.
  5. Progressive: $1,956 per year.

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

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

  1. Geico: $1,098 per year.
  2. Allstate: $2,002 per year.
  3. Erie: $2,532 per year.
  4. Progressive: $3,558 per year.
  5. Nationwide: $3,748 per year.

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

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

  1. Geico: $1,040 per year.
  2. Erie: $1,280 per year.
  3. Allstate: $2,222 per year.
  4. Progressive: $2,398 per year.
  5. State Farm: $2,480 per year.

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

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

  1. Geico: $1,296 per year.
  2. Erie: $1,424 per year.
  3. Allstate: $2,090 per year.
  4. Progressive: $2,194 per year.
  5. State Farm: $2,966 per year.

Cheapest for 30-year-old drivers in D.C.

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 in D.C. for 30-year-olds

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

  1. Erie: $1,261 per year.
  2. Geico: $1,278 per year.
  3. Progressive: $1,642 per year.
  4. Nationwide: $2,061 per year.
  5. State Farm: $2,130 per year.

Cheapest minimum coverage 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: $443 per year.
  2. Erie: $547 per year.
  3. State Farm: $944 per year.
  4. Nationwide: $1,078 per year.
  5. Allstate: $1,085 per year.

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

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

  1. Geico: $1,742 per year.
  2. Nationwide: $2,923 per year.
  3. Progressive: $3,120 per year.
  4. Erie: $3,321 per year.
  5. State Farm: $4,265 per year.

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

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

  1. Erie: $1,616 per year.
  2. Geico: $1,851 per year.
  3. Progressive: $2,370 per year.
  4. State Farm: $2,754 per year.
  5. Nationwide: $2,908 per year.

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

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

  1. Erie: $1,912 per year.
  2. Progressive: $2,029 per year.
  3. Geico: $2,521 per year.
  4. State Farm: $3,250 per year.
  5. Nationwide: $3,767 per year.

Cheapest for 40-year-old drivers in D.C.

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 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. Erie: $1,141 per year.
  2. Geico: $1,232 per year.
  3. Progressive: $1,608 per year.
  4. Nationwide: $2,058 per year.
  5. State Farm: $2,084 per year.

Cheapest minimum coverage 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: $434 per year.
  2. Erie: $497 per year.
  3. State Farm: $938 per year.
  4. Nationwide: $1,078 per year.
  5. Allstate: $1,085 per year.

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

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

  1. Geico: $1,789 per year.
  2. Nationwide: $2,900 per year.
  3. Erie: $3,014 per year.
  4. Progressive: $3,058 per year.
  5. State Farm: $4,168 per year.

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

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

  1. Erie: $1,463 per year.
  2. Geico: $1,822 per year.
  3. Progressive: $2,331 per year.
  4. State Farm: $2,696 per year.
  5. Nationwide: $2,891 per year.

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

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

  1. Erie: $1,729 per year.
  2. Progressive: $1,993 per year.
  3. Geico: $2,530 per year.
  4. State Farm: $3,182 per year.
  5. Nationwide: $3,756 per year.

Cheapest for 50-year-old drivers in D.C.

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 the best cheap car insurance companies is a good place to start.

Cheapest full coverage 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: $1,012 per year.
  2. Geico: $1,263 per year.
  3. Progressive: $1,466 per year.
  4. Nationwide: $1,981 per year.
  5. State Farm: $2,034 per year.

Cheapest minimum coverage 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. Erie: $443 per year.
  2. Geico: $445 per year.
  3. State Farm: $924 per year.
  4. Progressive: $1,014 per year.
  5. Nationwide: $1,035 per year.

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

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

  1. Geico: $2,032 per year.
  2. Erie: $2,680 per year.
  3. Nationwide: $2,780 per year.
  4. Progressive: $2,813 per year.
  5. State Farm: $4,064 per year.

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

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

  1. Erie: $1,307 per year.
  2. Geico: $1,944 per year.
  3. Progressive: $2,170 per year.
  4. State Farm: $2,633 per year.
  5. Nationwide: $2,818 per year.

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

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: $1,554 per year.
  2. Progressive: $1,836 per year.
  3. Geico: $2,720 per year.
  4. State Farm: $3,108 per year.
  5. Nationwide: $3,676 per year.

Cheapest for 65-year-old drivers in D.C.

Although 65-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 auto insurance for seniors, drivers in their mid-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 in D.C. for 65-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: $1,159 per year.
  2. Geico: $1,381 per year.
  3. Progressive: $1,560 per year.
  4. State Farm: $1,916 per year.
  5. Nationwide: $1,941 per year.

Cheapest minimum coverage in D.C. for 65-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: $502 per year.
  2. Erie: $506 per year.
  3. State Farm: $885 per year.
  4. Nationwide: $1,024 per year.
  5. Progressive: $1,090 per year.

Cheapest coverage for 65-year-olds with poor credit in D.C.

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

  1. Geico: $2,272 per year.
  2. Nationwide: $2,708 per year.
  3. Progressive: $2,963 per year.
  4. Erie: $3,061 per year.
  5. State Farm: $3,816 per year.

Cheapest for 65-year-old drivers with one at-fault crash in D.C.

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

  1. Erie: $1,500 per year.
  2. Geico: $2,113 per year.
  3. Progressive: $2,277 per year.
  4. State Farm: $2,480 per year.
  5. Nationwide: $2,770 per year.

Cheapest insurance for 65-year-old drivers after a DUI in D.C.

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

  1. Erie: $1,786 per year.
  2. Progressive: $1,941 per year.
  3. Geico: $2,914 per year.
  4. State Farm: $2,927 per year.
  5. Nationwide: $3,627 per year.

Cheapest 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 all 40 of the 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 car insurance comparison tool provides fast, easy quotes from many top companies.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-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 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.

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

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