Compare car insurance in Washington, DC

If you’re new to Washington, DC, or a first-time car owner, you may not be familiar with the ins and outs of car insurance in the nation’s capital. To save you time, compare the essentials of what you need to know before driving in DC.

Compare Washington DC car insurance

Most popular Washington DC auto insurance companies list

Company	Direct premiums written (billions)	Market share
Geico	$136,627	36.80%
State Farm	72,385	19.50%
USAA	35,559	9.60%
Progressive	32,589	8.80%
Allstate	25,979	7.00%
Travelers Companies Inc.	12,703	3.40%
Liberty Mutual	12,209	3.30%
Nationwide	11,496	3.10%
Erie	9,400	2.50%
American Family	4,903	1.30%

Car insurance costs in Washington, DC

Washington, DC, requires every driver to carry basic liability coverage, which protects other drivers in an accident.

Coverage	What it covers	Minimum coverage you need
Liability	The other car and driver when an accident is your fault	$25,000 per person per accident for bodily injury $50,000 per accident for bodily injury $10,000 in property damage per accident

You’re also required to carry uninsured motorist coverage, which protects you against uninsured or underinsured drivers.

Coverage	What it covers	Minimum coverage you need
Uninsured motorist	You, your passengers and your car if you’re in an accident with an uninsured driver	$50,000 per accident for bodily injury $25,000 per person per accident for bodily injury $5,000 in property damage per accident

Cheapest car insurance in Washington DC

Company	Average annual rate	Learn more
Geico	$673	Read review
USAA	$713	Get a quote Read review
State Farm	$936	Get a quote
Allstate	$1,074	Get a quote Read review
Progressive	$1,338	Get a quote Read review
Erie	$1,419
The General		Get a quote Read review

• Quote methodology: driver profile & coverage options

  To get these quotes, we compared rates for the same driver profile in a common zip code in this state.

  • Good credit
  • Married
  • Male
  • 31-35 years old
  • 2017 Toyota Camry LE
  • State minimum coverage

Can I get SR-22 insurance in DC?

Yes, you can get SR-22 insurance in Washington DC. You might need this kind of coverage if you’ve been convicted of a DUI, if you were caught driving without insurance or if you’ve accumulated too many violation points on your driving record.

Bottom line

Having an accident — regardless of who’s at fault or how serious it is — can be traumatic. Prepare by staying current with your protection. To get the cheapest coverage for your needs, carefully research your car insurance options when driving inside the Beltway.

Frequently asked questions about car insurance in Washington DC

• What is the car insurance authority in Washington DC?

  Car insurance is regulated by the District of Columbia Department of Insurance, Securities and Banking.

• Who do I contact if I have a problem with my car insurance in DC?

  If you can’t solve an issue with your insurance provider, complete the DC Department of Insurance, Securities and Banking’s online fraud report and complaint form. As part of its oversight responsibility, The DISB provides oversight on financial institutions — like insurance companies — investigating consumer complaints.

• How do I register my car in DC?

  To register your car, visit your nearest Department of Motor Vehicles. You’ll need to provide proof of ownership, any previous vehicle registration (for example, from a previous owner), your DC driver’s license or ID and proof of insurance.