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Compare car insurance in Washington, DC

Get the cheapest car insurance in Washington, DC for 2021

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Roslyn McKenna
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Fact checked

The average annual cost of car insurance in Washington D.C. is $1,300. Narrow down car insurers offering coverage in Washington D.C. by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
USAA
USAA
Optional
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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More Info
Gabi
Gabi
Optional
Optional
Yes
All 50 states except AK & HI
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
Get quotes
More Info
Liberty Mutual
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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More Info
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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.

Most popular Washington DC auto insurance companies list

CompanyDirect premiums written (billions)Market share
Geico$136,62736.80%
State Farm72,38519.50%
USAA35,5599.60%
Progressive32,5898.80%
Allstate25,9797.00%
Travelers Companies Inc.12,7033.40%
Liberty Mutual12,2093.30%
Nationwide11,4963.10%
Erie9,4002.50%
American Family4,9031.30%

Car insurance costs in Washington, DC

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

CoverageWhat it coversMinimum coverage you need
LiabilityThe 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.

CoverageWhat it coversMinimum coverage you need
Uninsured motoristYou, 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

CompanyAverage annual rateLearn more
Geico$673Get a quoteRead review
USAA$713Get a quoteRead review
State Farm$936Get a quote
Allstate$1,074Get a quoteRead review
Progressive$1,338Get a quoteRead review
Erie$1,419
The General

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

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