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Updated December 7, 2022
Drivers in Washington, D.C., pay an average of $354 per month for car insurance, making D.C. the fifth most-expensive place in the U.S. to get coverage. Despite the relatively high cost of car insurance in D.C., you may be able to find cheap car insurance by shopping around. Drivers who shop for auto insurance quotes online can see the most affordable providers in their areas.
The average cost of car insurance in Washington, D.C., is $354/mo.
Travelers is the cheapest provider in Washington, D.C., with an average rate of $144/mo.
The easiest way to cut car insurance costs is to compare quotes online.
Table of contents
- Cheapest Car Insurance in Washington, D.C.
- Minimum car insurance requirements in Washington, D.C.
- Tips for getting cheap car insurance in Washington, D.C.
- Liability-only vs. full-coverage insurance in Washington, D.C.
- How your driving history affects Washington, D.C., car insurance rates
- How credit scores affect Washington, D.C., car insurance quotes
- How your age affects your Washington, D.C., car insurance rates
- Washington, D.C., car insurance FAQs
- Insurify Insights
Best cheap car insurance in Washington, D.C.: Travelers
Best Cheap Car Insurance in Washington, D.C.
Our team collects the most recent data on the best car insurers in Washington, D.C. We use that information to calculate our Insurify Composite Score (ICS), which highlights an insurer’s reliability, quality, and financial health. With an ICS of 80 and an average cost of just $144 per month, Travelers is the best cheap car insurance company in Washington, D.C.
|Car Insurance Company||Insurify Composite ScoreThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.||Average Monthly Quote|
|Midvale Home & Auto||N/A||$264|
Learn More: Best Car Insurance Companies
Insurify Composite Score (ICS)
To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.
Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.
Minimum car insurance requirements in Washington, D.C.
All motor vehicles operated or parked on Washington, D.C., roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Washington, D.C., are:
$25,000 per person for bodily injury/$50,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Washington, D.C., is an at-fault district, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
$10,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
$25,000 per person for uninsured/underinsured motorist bodily injury/$50,000 per accident for uninsured/underinsured motorist bodily injury/$5,000 per accident for uninsured/underinsured motorist property damage: Uninsured and underinsured motorist coverage pay for costs caused by a driver with little or no insurance after a car accident. In Washington, D.C., you’re required to purchase this coverage for bodily injury protection.
Washington, D.C., DMV information
The Washington, D.C., Department of Motor Vehicles (DMV) handles everything from issuing licenses and registration to the management of parking tickets. Drivers can find the assistance they’ll likely need by visiting the Washington, D.C., DMV website. You can also access information about insurance and vehicle inspection requirements through the DMV.
Public transportation in Washington, D.C.
While having a car can be handy, one of the best ways to get around Washington, D.C., is by public transit. Recent U.S. Census data shows that 13.1% of workers in the metro area rely on public transportation to commute to work each day. Washington Metro Area Transit Authority (WMATA), commonly referred to as the Metro, operates buses and trains in D.C.
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Tips for getting cheap car insurance in Washington, D.C.
If you prefer to have a car, keep in mind that you’ll need to meet D.C.’s minimum insurance requirements. The best way to find the coverage you need at an affordable cost is to compare car insurance quotes. Doing so will help you understand what different insurance companies offer so you can choose an option that aligns with your needs.
Liability-only vs. full-coverage insurance in Washington, D.C.
If you live in Washington, D.C., you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:
You have a low-value vehicle.
You can afford to repair or replace your car out of your own pocket.
Getting the cheapest insurance possible is your top priority.
For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive coverage pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.
You may also opt for full coverage if:
You have a high-value vehicle.
You wouldn’t be able to afford to repair or replace your car out of pocket.
Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.
Here’s a look at the average monthly quotes for the cheapest auto insurance in Washington, D.C., by policy type.
|Car Insurance Company||Liability Only||Full Coverage|
|Midvale Home & Auto||$154||$264|
How your driving history affects Washington, D.C., car insurance rates
Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Washington, D.C. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.
Here’s a look at average monthly quotes for the cheapest car insurance in Washington, D.C., based on driving and accident history.
See More: High-Risk Car Insurance Washington, D.C.
|Car Insurance Company||Clean Record||At-Fault Accident||Speeding Ticket|
|Midvale Home & Auto||$235||$375||$310|
See More: SR-22 Car Insurance Washington, D.C.
SR-22 insurance in Washington, D.C.
You may need to complete an SR-22 form to reinstate your license and get back on the road in Washington, D.C., after a DUI. An SR-22 signifies that you meet minimum insurance coverage requirements and are a financially responsible driver. The following companies offer SR-22 services in Washington, D.C.
How credit scores affect Washington, D.C., car insurance quotes
In addition to factors like your driving record, insurers in D.C. also consider your credit score when determining the cost of your coverage. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.
|Credit Tier||Average Monthly Quote|
How your age affects your Washington, D.C., car insurance rates
Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.
The following table gives a high-level view of how age can affect insurance rates.
Quotes for younger drivers
In some areas of the country, it can be difficult for young drivers to find car insurance at all, let alone cheap car insurance. Their relative inexperience behind the wheel and higher incidence of getting into accidents can push insurance rates high for younger drivers. Those with an infraction on their record, like a DUI, will see even higher rates.
The following table gives some insight into the impact a DUI can have on car insurance rates for younger drivers in Washington, D.C.
|Car Insurance Company||Liability Only||Full Coverage||With DUI|
|Midvale Home & Auto||N/A||$315||$539|
Quotes for middle-aged drivers
Car insurance rates usually begin to fall for drivers once they reach age 25. During your 30s, 40s and 50s, your car insurance rates will likely stabilize, provided you maintain a clean driving record. However, a DUI can significantly affect monthly car insurance costs for middle-aged drivers in Washington, D.C., as the following table illustrates.
|Car Insurance Company||Liability Only||Full Coverage||With DUI|
|Midvale Home & Auto||$143||$248||$448|
Quotes for senior drivers
Senior drivers typically have the cheapest car insurance rates of any age group. However, the older you get, the more likely your rates will begin to creep up again — especially if you have driving violations on your record. The following table shows the effect a DUI can have on car insurance rates for senior drivers in Washington, D.C.
|Car Insurance Company||Liability Only||Full Coverage||With DUI|
|Midvale Home & Auto||$151||$198||$386|
Washington, D.C., car insurance FAQs
While the cost of coverage will depend on your specific situation, drivers in Washington, D.C., can expect to pay an average of $354 per month. Some companies offer significantly lower average monthly quotes, though. For instance, Travelers offers the cheapest rates in D.C., at $144 per month on average. GEICO also offers cheap rates, at $186 per month.
Older drivers in D.C. with clean driving records also benefit from even lower rates for full-coverage car insurance. The average cost for a Travelers policy was only $135 per month, and Liberty Mutual offers coverage for just $146 per month on average.
Several factors can increase your car insurance rates in Washington, D.C. Generally, insurers look at things like your location, credit score, age, and driving record when determining your rates. Things like speeding tickets, DUIs, and at-fault accidents often result in more expensive coverage.
For instance, Travelers offers an average monthly quote of $144 for middle-aged drivers in D.C. with a clean record. But quotes for this age group jump to $287 per month after a DUI. We noticed a similar trend for younger drivers. The average monthly cost for those with a clean record is $271 with Midvale Home & Auto, and it jumps to $637 per month for those with a DUI.
Washington, D.C., has the fifth-highest average car insurance cost in the U.S. Drivers pay around $354 per month on average for car insurance coverage. Those with responsible driving histories and excellent credit are likely to pay lower rates, while those with moving violations and poor credit may pay higher rates.
Travelers offers the cheapest coverage of all insurers we compared, with monthly quotes of just $144 per month for the average driver. GEICO also provides fairly affordable coverage, with average monthly quotes of $186 for those with a clean driving record.
Based on its low cost and high Insurify Composite Score of 80, Travelers is the best car insurance company in Washington, D.C. However, GEICO, Nationwide, and State Farm also have high ICS ratings, at 88, 89, and 88, respectively. GEICO offers an average monthly premium of $186, cheaper than Nationwide’s and State Farm’s average premiums of $229.
For the average driver, Travelers, GEICO, and State Farm are among the top insurers offering cheap coverage. But middle-aged drivers with an at-fault accident on their record may be better off with coverage from Liberty Mutual or Midvale Home & Auto. And teen drivers might prefer an affordable policy from Travelers or Nationwide.
PIP coverage is required in many places but is optional in Washington, D.C. But getting this coverage could help protect you financially if you’re involved in a car accident. PIP, also called no-fault insurance, can cover your medical bills and lost wages after an accident, even if you’re found at fault.
Insurers in the D.C. metro area may offer you PIP coverage when you sign up for a policy, but you can opt out of this coverage if you prefer. Speak with your insurer about how to opt out if you have questions.
Yes, you need car insurance coverage in Washington, D.C. Drivers in D.C. must meet bodily injury and property damage liability coverage minimums, as well as uninsured motorist property damage and uninsured motorist bodily injury coverage minimums.
The minimums include $25,000 per person and $50,000 per accident for bodily injury liability, $10,000 for property damage liability, $25,000 per person and $50,000 per accident for uninsured motorist bodily injury liability, and $5,000 for uninsured motorist property damage liability.
Car insurance follows the car in Washington, D.C., as it does in many other parts of the U.S. That means if a friend or family member borrows your car and gets into an accident, your insurance will be the primary protection if a claim is filed. The driver’s insurance may serve as secondary coverage if something isn’t covered by your policy.
In general, it’s only a good idea to loan your car to responsible drivers, including those with valid licenses. Never let a family member or friend borrow your vehicle if they have a suspended or revoked driver’s license.
Washington, D.C., law mandates certain car insurance coverages, including liability and uninsured motorist coverage. If you’re at fault in an accident, your liability insurance can cover the other driver’s medical bills or property damage. Uninsured or underinsured motorist coverage kicks in when the other driver is at fault and doesn’t have adequate insurance.
Full-coverage policies include these coverages as well as other options, like comprehensive and collision insurance. Comprehensive covers damage from things like weather or a fallen tree. And collision offers protection if your car is damaged in an accident. Full coverage is more expensive than liability-only coverage but can save you money in the event of an accident.
How Washington Dc Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Washington Dc below:
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Washington Dc drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Most Popular Car in Washington Dc
State with the Most Speeding Tickets Rank
State with the Moving Violations Rank
State with the Most DUIs Rank
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Washington Dc is the #20 state in the country for drivers with an at-fault accident on their driving record.
- Rank among states: #20
- Percent of drivers in Washington Dc with an accident: 8.9%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Washington Dc is the #34 state in the country for drivers with a prior drunk driving conviction.
- Rank among states: #34
- Percent of drivers in Washington Dc with a DUI: 1.1%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Washington Dc is the #37 state in the country for drivers with a reckless driving offense on record.
- Rank among states: #37
- Percent of drivers in Washington Dc with a reckless driving offense: 1%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Washington Dc is the #38 state in the country for drivers with a rude driving violation on record.
- Rank among states: #38
- Percent of drivers in Washington Dc with a rude driving violation: 1.1%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Washington Dc is the #9 state in the country for drivers with a speeding ticket on record.
- Rank among states: #9
- Percent of drivers in Washington Dc with a speeding ticket: 11%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Washington Dc is the #24 state in the country for drivers with a failure to yield violation on record.
- Rank among states: #24
- Percent of drivers in Washington Dc with a failure to yield violation: 0.1%
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.