Cheap Car Insurance in Washington, D.C. for April 2026

Cheap car insurance in Washington, D.C.

Here's the cheapest full coverage car insurance in Washington, D.C., for 35-year-old drivers with different driving records.

The cheapest car insurance company in Washington, D.C., is Erie at $1,870 per year on average, or $156 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 $2,533 per year, or about $211 per month.

Minimum coverage in Washington, D.C., is $1,082 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.

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 2023 Toyota Camry LE. 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.

• 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 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.

Cheap auto insurance in Washington, D.C., 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:

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:

Cheapest car 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:

Cheapest car 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:

Cheapest car 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:

Cheapest car 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.

Cheap auto insurance in Washington, D.C., 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., seeking full coverage auto insurance can check with the following companies, which had the lowest average rates:

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:

Cheapest car 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 minimum coverage:

Cheapest car 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:

Cheapest car 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 minimum coverage:

Cheapest car 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 minimum coverage.

Cheap auto insurance in Washington, D.C., 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:

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:

Cheapest car 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 minimum coverage:

Cheapest car 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:

Cheapest car 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 minimum coverage:

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

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

Cheap auto insurance in Washington, D.C., 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:

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:

Cheapest car 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 minimum coverage:

Cheapest car 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:

Cheapest car 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 minimum coverage rates:

Cheapest car 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 minimum coverage.

Cheap auto insurance in Washington, D.C., 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:

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:

Cheapest car 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 minimum coverage:

Cheapest car 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:

Cheapest car 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 minimum coverage:

Cheapest car 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 minimum coverage.

Cheap auto insurance in Washington, D.C., 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:

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:

Cheapest car 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 minimum coverage:

Cheapest car 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:

Cheapest car 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 minimum coverage:

Cheapest car 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 minimum coverage.

Cheapest car insurance for military families in Washington, D.C.

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 auto insurance limits required in Washington, 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:

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.

» MORE: The best home insurance in Washington, D.C.

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.