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Car insurance in Washington, DC
Getting cheap auto 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.
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.
What do you want to read about first?
- Top-rated insurer
- Online quotes & claims
- Bundle and save
Our top pick: Progressive
Choose from a long list of discounts and coverage for almost any driver.
- Top-rated insurer with 80 years of experience
- Easy online sign-up and reporting
- Multiple discounts available
- Transparent quoting
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% |
Cheapest car insurance in Washington, DC
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 | |
| USAA | $713 | |
| State Farm | $936 | |
| Allstate | $1,074 | |
| Progressive | $1,338 | |
| Erie | $1,419 | |
| The General |
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.
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Frequently asked questions about car insurance in Washington DC
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