Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
Guides
Vehicle Guides
Need Financing?
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Compare car insurance in Washington, DC
Get the cheapest car insurance in Washington, DC for 2020
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.
Washington D.C
Car insurance quick facts
25/50/10
Minimum liability requirements
$1,300
Average annual car insurance cost
30
Days to update your license
No-fault state
In no fault states, each driver pays for their own damages in an accident.
Our top pick: Progressive
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
- Broad coverage, including for custom car parts or ridesharing
- Transparent pricing tools that help you buy within budget
- Accident forgiveness on small claims or for staying claim-free
- Stack a variety of discounts for multiple cars, autopay or homeownership
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 |
|
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 |
|
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.
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 | Read review |
| Allstate | $1,074 | Get a quote |
| Progressive | $1,338 | Get a quote Read review |
| Erie | $1,419 | |
| The General | Get a quote Read review |
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.
Get the cheapest quotes
Compare car insurance companies near you.
Your information is secure.
Frequently asked questions about car insurance in Washington DC
More guides on Finder
-
Compare tuition insurance
If your child gets sick or injured and has to take time away from college, tuition insurance can reimburse you for what you already paid.
-
Denied life insurance
Learn the common health reasons that lead to denials and how to get life insurance anyway.
-
What cars are made in America?
Check out the top 50 American car models, and find out what makes them American.
-
Car insurance for drivers 25 to 40 years old
Take advantage of the lowest minimum coverage rates by earning all the discounts you can.
-
Heacock Classic car insurance review November 2020
Insure your classic car or race car at agreed value with Heacock Classic, but you’ll have to look elsewhere if you have recent claims or major violations.
-
Driving without car insurance
Since driving uninsured comes with steep penalties, look at your coverage options or consider alternatives.
-
Say car insurance review Nov 2020
Offers a transparent look at your premiums and rewards renewal with a better insurance score.
-
Compare bus conversion insurance
Find and qualify for the right type of policy when living in a skoolie.
-
Is online driver’s ed worth it?
Pick the right online driver’s ed program and learn how long it takes to complete one.
Ask an Expert