The Best Cheap Car Insurance Companies in Washington D.C. 2020

Our nation’s capital isn’t the most driver-friendly, as Washington D.C. is second in the country in longest commute times with drivers spending 155 hours in traffic every year. Not surprisingly, the sheer volume of traffic makes D.C. car insurance more expensive. On average, the annual premium in Washington D.C. is $1,876, eclipsing the national average car insurance cost of $1,502 by a significant amount.That said, there are many reputable car insurance providers where you might find cheap car insurance in D.C.

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    In this article

      Our top picks for cheap car insurance in Washington D.C.

      To find the best car insurance providers, we examined many options including AM Best ratings—this signifies a provider’s financial strength and ability to pay claims. We also examined the price, diversity of policy offerings and customer ratings. Below are some of the most affordable and best car insurance providers in the District of Columbia:

      Along with excellent service, these providers tout affordability. On average, State Farm, Geico and Progressive sell policies that are among the least expensive, and USAA continues to earn high marks for its outstanding rates and customer service.

      Minimum coverage requirements in Washington D.C.

      The minimum coverage requirements in Washington D.C. are the following:

      • Bodily injury liability of $25,000 per person and up to $50,000 per accident
      • Uninsured motorist bodily injury of $5,000 per person, up to $25,000 per accident
      • Property liability of $10,000 per accident
      • Underinsured motorist bodily injury of $25,000 per person, up to $50,000 per accident
      • Underinsured motorist property damage of $5,000 per accident and a deductible of $200

      Keep in mind this is the minimum coverage required in Washington D.C. It’s a good idea to have more coverage on hand to help you offset the costs of any medical or legal bills that might come from a serious accident, which can far exceed the benefit limits. Even if you don’t own a car, you should still make sure you have non-owner car insurance coverage.

      Compare Affordable Auto Insurance Rates in Washington D.C.

      Save money on auto coverage with our simple comparison tool.

      Matching you with providers.
      We found results in
      Click at least 2-3 companies to find the very best rate.

        How to save on your car insurance

        One of the easiest ways to save on car insurance is to comparison shop among different car insurance companies. This gives you insight into which ones offer the best protection at the lowest cost. To find cheap car insurance in D.C., you can use our comparison tool. It provides the best options relative to your age, zip code and other underwriting factors.

        When you comparison shop, study which discounts the provider offers you. Many will do bundling discounts if you move your home or renters insurance over to them. Some insurance providers also offer discounts such as for safe driving, good grades (if you’re a student) and military service.

        Washington D.C. car insurance FAQs

        Yes, drivers must have car insurance from the moment they register their car through the life of ownership, according to the District of Columbia’s Compulsory/No-Fault Motor Vehicle Insurance Act. If you don’t maintain coverage, you could get fines.

        Washington D.C. is among the most expensive areas for car insurance in the country. Most of this has to do with the influx of traffic, which increases the risk ratios.

        State Farm, Geico and Progressive are three of the least expensive options available. If you qualify for USAA, check it out because its rates are low and the company delivers outstanding customer service.

        Your age, driving history, the car you drive, your annual mileage and where you live are some of the many factors that car insurance companies use to determine your risk profile and premium.

        The District of Columbia Automobile Insurance Plan is available for drivers who might not qualify for insurance coverage through a traditional provider. To join this plan, you must have a District of Columbia driver’s license and a vehicle registered within Washington D.C.

        Methodology

        SimpleScore

        The SimpleScore makes it easy to compare products and services featured here on The Simple Dollar in a transparent, open and honest way. We rate these products and services using five factors and average them to calculate a single SimpleScore. For auto insurance, we compare:

        • Discounts
        • Coverage options
        • Support
        • Customer satisfaction
        • Accessibility

        You can read more about each factor and the details of each score in our auto insurance methodology. Use our ratings and editorial recommendations as you shop for the best auto insurance that fits your coverage needs.

        Car insurance rates: We used insurance rates from Quadrant Information Services. This includes analyzing thousands of rates from all 50 states that were publicly sourced from 2019 insurer filings. Rates are based on a 30-year-old male or female that had a clean driving record. Full Coverage premiums assumed a $500 collision and comprehensive deductible, and we looked at those who had both good and poor credit. These rates should be used to inform your car insurance shopping process, but your own quote may differ.

        Why do some brands have different SimpleScores on different pages?

        To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.
        However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

        Discounts

        We looked at the number of discounts each company offers — more discounts mean a higher score.

        Coverage Options

        We awarded higher scores to the companies that have the most coverage options.

        Support

        We awarded higher scores to lenders with the most channels for customer support.

        Customer Satisfaction

        We leveraged the J.D. Power 2019 Auto Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

        Accessibility

        We looked at the level of accessibility of each company –– the more resources they have the higher their score.

        Sean Jackson

        Contributing Writer

        Sean Jackson is a creative copywriter living in Florida. He’s had work published with Realtor.com, theScore, ESPN and the San Francisco Chronicle. In his free time, Sean likes to play drums, fail miserably at improv and spend time at the beach.