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Best car insurance in Washington D C for 2022
Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.
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Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions.
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Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Updated Nov 07, 2022 Compare car insurance rates Answer a few questions to discover real rates from top-tier carriers in your area.
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Your information is secure Compare rates Select from a variety of trusted carriers + MORE How it works Caret Down Tell us a little about yourself We'll only ask for info we're confident will impact your rate. That way, we can provide you with the most accurate and personalized offers.
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Choose which policy is best for you Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you'd like. Lock in your rate and policy details Once you're confident in your selected carrier, finish up the process online or on the phone with a trusted agent.
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And that's it!
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Bankrate analyzed a variety of providers to bring you the best car insurance in Washington, D.C. As ...
Car insurance rates may vary significantly based on where you live, and the nation's capital is no exception.
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Bankrate analyzed a variety of providers to bring you the best car insurance in Washington, D.C. As ...
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Washington's higher-than-average rates could be due to an increased risk of accidents due to the hea...
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Bankrate analyzed a variety of providers to bring you the best car insurance in Washington, D.C. As a baseline, the average cost of full coverage car insurance in Washington D.C., is $1,948, which is above the national average of $1,771.
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Washington's higher-than-average rates could be due to an increased risk of accidents due to the hea...
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Washington's higher-than-average rates could be due to an increased risk of accidents due to the heavy traffic in the area. However, rates aren't the only consideration for most drivers when looking for the best company, so our insurance editorial team explored a host of metrics to rank insurance companies in the district.
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Based on our study, USAA, State Farm and Geico could be among the best car insurance in Washington. ...
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Based on our study, USAA, State Farm and Geico could be among the best car insurance in Washington. See More Key takeaway The average cost of full coverage car insurance in Washington, D.C., is $1,948 per year, which is 10 percent higher than the national average of $1,771.
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Minimum coverage car insurance in Washington, D.C., is $613 per year, which is 12 percent higher tha...
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How Bankrate chose the best car insurance companies in Washington D C
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Minimum coverage car insurance in Washington, D.C., is $613 per year, which is 12 percent higher than the national average of $545. Our extensive research shows that USAA, State Farm and Geico may offer some of the best auto insurance in Washington, D.C. Compare rates and save on auto insurance today!
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Get quotes Close X
How Bankrate chose the best car insurance companies in Washington D C
To find the best car insurance companies in the District of Columbia, Bankrate first looked to proprietary rate data provided by Quadrant Information Services. We then studied other data points such as customer services scores from the , AM Best financial strength ratings, mobile accessibility, discounts offered and NAIC complaints. Using this information, we issued each company a Bankrate Score, ranging from 0.0 to 5.0 (with 5.0 being the best score possible).
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Our goal is to provide you with the information needed to have a holistic view of car insurance in W...
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Our goal is to provide you with the information needed to have a holistic view of car insurance in Washington, D.C.
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Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state's requirements.
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Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.
Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
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We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from , , , , and Moody's had the most impact on the companies' Bankrate Scores.
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While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer's online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.
Best car insurance companies in Washington D C
According to information provided by Quadrant Information Services, the average cost for a full coverage auto policy in Washington, D.C., is $1,948 annually.
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Then, we compared that information with our Bankrate Scores and found that USAA, State Farm and Geico may offer the best Washington, D.C., car insurance. Car insurance company Bankrate Score J.D. Power score (Mid-Atlantic region) Average annual full coverage premium Average annual minimum coverage premium * 4.87 881/1,000 $1,185 $445 4.70 851/1,000 $1,973 $798 4.70 834/1,000 $1,282 $363 4.53 867/1,000 $1,228 $423 4.33 827/1,000 $1,236 $506 This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate.
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*USAA is not eligible for official ranking with J.D. Power due to eligibility restrictions.
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Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: ++ Avg.
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annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview With Army, Navy and Marine Corps bases in the metro Washington area, USAA may prove to be a great consideration for military members and their families. The company only provides insurance to eligible active-duty military, veterans and their immediate family members, and tailors many of their policy offerings specifically to the military community. As one of the cheapest car insurance policies on our list, USAA's policies are affordable and unique in coverage options for military families, such as a discount for storing a vehicle on base.
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While not eligible for official rank placement due to eligibility restrictions, the company holds the highest 2022 J.D. Power score on our list, indicating that policyholders review it favorably for customer satisfaction.
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Pros and cons CheckmarkPros Highest J.D. Power customer satisfaction score on our list Low average f...
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Answer a few questions to see personalized rates from top carriers. J.D....
Pros and cons CheckmarkPros Highest J.D. Power customer satisfaction score on our list Low average full and minimum coverage rates Close XCons Not available to everyone Fewer specialty coverage options than some competitors Answer a few questions to see personalized rates from top carriers.
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Answer a few questions to see personalized rates from top carriers. J.D.
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Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage:...
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You may also be able to bundle your auto policy with home or life insurance for a multi-policy disco...
Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Although its average annual full coverage premium hovers near the average for Washington, D.C., drivers, State Farm has several offerings that may make its policies worth considering. One is its variety of discounts, including its program, student options and vehicle safety discounts.
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You may also be able to bundle your auto policy with home or life insurance for a multi-policy disco...
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You may also be able to bundle your auto policy with home or life insurance for a multi-policy discount. If you value accessibility and customer service, State Farm could be a good option for you.
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The company sells policies through a network of local exclusive agents, with , and offers a highly-rated mobile app. Pros and cons CheckmarkPros Strong J.D.
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Power customer satisfaction score Robust mobile app Close XCons Average premiums may be more expensive than other providers on our list May not be available to high-risk drivers Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D.
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Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage:...
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Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Geico is an insurer with a long-standing history. Due to its trusted name, the auto insurer is often included in lists of best car insurance providers, including in Washington, D.C.
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Although Geico policies are relatively basic with only a few coverage options, such as roadside assistance and rental reimbursement, it does have one of the longest lists of discounts. Washington drivers have many potential options for savings, including association with one of Geico's covered membership networks or eligibility for safe driving benefits. Customers may also find that policy management is easy through Geico's mobile app and online resources.
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Pros and cons CheckmarkPros Lots of potential discounts available Typically available to high-risk d...
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Answer a few questions to see personalized rates from top carriers. J.D....
Pros and cons CheckmarkPros Lots of potential discounts available Typically available to high-risk drivers Close XCons Not as many options to customize Below-average J.D. Power customer satisfaction score Answer a few questions to see personalized rates from top carriers.
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Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: ...
Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview In 2022, Erie ranked as the top car insurance company in the Mid-Atlantic region in J.D.
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Power's Auto Insurance Study. Additionally, AM Best gives the company an A+ (Superior) rating for fi...
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Coverage is relatively robust, even with Erie's standard policies. Coverage types that are usually o...
Power's Auto Insurance Study. Additionally, AM Best gives the company an A+ (Superior) rating for financial strength, making the likelihood of a smooth claims experience high, which is often a huge selling point for customers.
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Coverage is relatively robust, even with Erie's standard policies. Coverage types that are usually optional, such as locksmith services and personal item coverage, are generally included with the purchase of .
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There are also multiple discounts available, including a multi-policy discount ranging from 16 percent to 25 percent, depending on the state. Pros and cons CheckmarkPros Automatically includes several coverage options in full coverage policies that many competitors only offer as add-ons Offers RateLock feature to help keep premiums constant Higher-than-average 2022 J.D. Power claims satisfaction score Close XCons No online claim reporting available Less robust digital tools in general than some competitors Answer a few questions to see personalized rates from top carriers.
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Answer a few questions to see personalized rates from top carriers. J.D....
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Evelyn Zhang Member
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Answer a few questions to see personalized rates from top carriers. J.D.
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Sophia Chen 57 minutes ago
Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: ...
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Ethan Thomas 134 minutes ago
If you already know which coverage options you need, you could compare quotes from other providers o...
Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Progressive's digital tools make it stand out on our list of best auto insurance providers in Washington, D.C.
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Thomas Anderson Member
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If you already know which coverage options you need, you could compare quotes from other providers online from Progressive's website, cutting down a step in your research. You could also use its Name Your Price Tool, which shows you coverage options that fit within the budget you provide to potentially make finding the best coverage for you one step easier. Outside of standard coverage, Progressive offers useful potential options for , rental car reimbursement, custom parts, rideshare coverage and roadside assistance.
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Christopher Lee 100 minutes ago
And to save on your policy, you could opt for the deductible savings bank option, which reduces your...
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Scarlett Brown 144 minutes ago
Power customer satisfaction rating Higher-than-average NAIC complaint index score Answer a few quest...
And to save on your policy, you could opt for the deductible savings bank option, which reduces your premium for each claim-free period you have. Pros and cons CheckmarkPros Two usage-based telematics program options could help you get a personalized rate Strong digital tools for managing entire insurance experience Close XCons Much lower-than-average J.D.
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Thomas Anderson 123 minutes ago
Power customer satisfaction rating Higher-than-average NAIC complaint index score Answer a few quest...
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Sophie Martin Member
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Power customer satisfaction rating Higher-than-average NAIC complaint index score Answer a few questions to see personalized rates from top carriers.
Average cost of car insurance in Washington D C
The in the U.S. is $1,771, while $1,948 annually for full coverage insurance.
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Lucas Martinez 55 minutes ago
Minimum coverage is also more expensive on average in Washington, D.C., at $613 annually compared to...
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Scarlett Brown 108 minutes ago
Not only are car insurance rates in Washington, D.C., higher than the national average, but they are...
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Scarlett Brown Member
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Friday, 09 May 2025
Minimum coverage is also more expensive on average in Washington, D.C., at $613 annually compared to the national annual average of $545. This may in part be due to Washington's highly congested roads which could increase the risk of an accident.
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William Brown 149 minutes ago
Not only are car insurance rates in Washington, D.C., higher than the national average, but they are...
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Brandon Kumar 66 minutes ago
Average annual premium for minimum coverage in Washington, D.C. Average annual premium for full cove...
Not only are car insurance rates in Washington, D.C., higher than the national average, but they are also higher than those in some surrounding areas. For instance, the average annual full coverage rate in is $1,931. In , the price difference is much more dramatic, where the average yearly full coverage premium is $1,347, making the rates in the District of Columbia 45 percent more expensive.
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Christopher Lee 282 minutes ago
Average annual premium for minimum coverage in Washington, D.C. Average annual premium for full cove...
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Aria Nguyen 55 minutes ago
$613 $1,948
How to find the best car insurance in D C
The best auto insurance company in W...
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Henry Schmidt Member
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Friday, 09 May 2025
Average annual premium for minimum coverage in Washington, D.C. Average annual premium for full coverage in Washington, D.C.
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Charlotte Lee 54 minutes ago
$613 $1,948
How to find the best car insurance in D C
The best auto insurance company in W...
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William Brown 109 minutes ago
Although some drivers may choose minimum coverage as a cost-saving measure, many insurance experts r...
The best auto insurance company in Washington, D.C., is likely different for everyone. However, some simple approaches may be used to help judge which insurer offers the best coverage for you and your unique situation.
Consider minimum insurance requirements in Washington D C
When reviewing options for Washington, D.C., car insurance, the first step is often to become familiar with the and decide if they are enough to provide adequate coverage for you.
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Isabella Johnson 135 minutes ago
Although some drivers may choose minimum coverage as a cost-saving measure, many insurance experts r...
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Hannah Kim 73 minutes ago
Since car accidents may result in tens of thousands of dollars (or more) in damage, carrying minimum...
Although some drivers may choose minimum coverage as a cost-saving measure, many insurance experts recommend purchasing higher coverage limits if your budget allows for it. The Insurance Information Institute (Triple-I) found that the average U.S. bodily injury claim totaled .
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Kevin Wang 34 minutes ago
Since car accidents may result in tens of thousands of dollars (or more) in damage, carrying minimum...
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Luna Park Member
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Friday, 09 May 2025
Since car accidents may result in tens of thousands of dollars (or more) in damage, carrying minimum limits could increase your risk of a hefty out-of-pocket expense if you're at fault and the damages exceed the liability limits you have on your policy.
Consider lender requirement
If you are financing or leasing your vehicle, your lienholder will almost certainly require you to carry and , otherwise known as full coverage.
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Natalie Lopez 18 minutes ago
You will often also have a cap on your amount for comprehensive and collision, usually $500 or $1,00...
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Nathan Chen Member
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Friday, 09 May 2025
You will often also have a cap on your amount for comprehensive and collision, usually $500 or $1,000. In addition to comprehensive and collision, those leasing their vehicles will generally have to carry with limits of $100,000 per person and $300,000 per accident for bodily injury, and $50,000 for property damage.
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Christopher Lee Member
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Friday, 09 May 2025
You may see this denoted as 100/300/50 on your policy documents. Your lender is considered an when you are financing or leasing, meaning they have a financial interest in the well-being of your car. In other words, your lender technically owns your vehicle until you have paid off your loan (or throughout the duration of your lease, if applicable).
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Isaac Schmidt Member
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Friday, 09 May 2025
As such, your lender likely wants to ensure that their investment is financially protected, and they typically do this by requiring certain types and levels of coverage.
Consider your individual needs
If you want the best car insurance in Washington, D.C., you may want to consider what optional coverage types (if any) you'd like to include on your auto policy. Although availability and eligibility may vary among companies, some popular coverage options include: : If your insurance company deems your vehicle a total loss as the result of a covered incident, gap insurance is intended to pay off the balance of your loan if you owe more than what the vehicle is worth.
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Sebastian Silva Member
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Friday, 09 May 2025
This may occur as a result of an accident or non-recoverable theft. : If you break down and need a tow, lock yourself out of your car or need assistance changing a flat tire, emergency roadside assistance coverage may be able to help.
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Ella Rodriguez 139 minutes ago
: Rental reimbursement coverage may pay or reimburse you for your rental car while your vehicle is r...
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David Cohen Member
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Friday, 09 May 2025
: Rental reimbursement coverage may pay or reimburse you for your rental car while your vehicle is repaired due to a covered claim.
How to get the best car insurance
The best auto insurance company in Washington, D.C., is different for everyone. However, some simple approaches can be used to help judge which insurer offers the best coverage for you by assessing your situation.
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Sebastian Silva Member
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Friday, 09 May 2025
Evaluate your needs: Every driver has unique circumstances that influence their insurance-buying decisions. For example, a driver with one or more traffic violations on their record, such as speeding, may prioritize finding a . Additionally, a provider that offers first-accident forgiveness may stand out on your list, especially if you have been maintaining a clean driving record and want to avoid being penalized for a first offense.
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Sebastian Silva 335 minutes ago
Consider local factors: In Washington D.C., you have the option of purchasing personal injury protec...
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Luna Park 2 minutes ago
Reviewing your district’s optional coverage options with an insurance agent will help you deci...
Consider local factors: In Washington D.C., you have the option of purchasing personal injury protection (PIP) coverage. Since D.C. is a no-fault district, you may want to consider this coverage to help cover medical expenses for you and any passengers in your vehicle.
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Hannah Kim Member
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Friday, 09 May 2025
Reviewing your district’s optional coverage options with an insurance agent will help you decide what other protections you may need.
Car insurance discounts in Washington D C
Depending on the company, you could find several opportunities to save money on your Washington, D.C., auto insurance.
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Natalie Lopez 122 minutes ago
Some of the most common include: Young driver discounts: Adding a young driver to your policy could ...
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Alexander Wang Member
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Friday, 09 May 2025
Some of the most common include: Young driver discounts: Adding a young driver to your policy could cause a significant rate hike, but you may be able to . Many companies offer a discount for young drivers if they take a training course or get good grades, for example. Safe driver discounts: Practicing safe driving habits may help keep your overall rate low, and could earn you a safe driver discount.
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Dylan Patel Member
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For instance, some companies may give you a discount if you maintain a clean driving record for a certain period of time (typically between three and five years). Other discounts: Some other popular discount opportunities could include savings for installing a in your vehicle, with the same company or taking a . It's important to know that discount availability varies among companies, so you may want to contact your agent to discuss your options.
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Natalie Lopez 122 minutes ago
Frequently asked questions
The average cost of full coverage car insurance in th...
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Christopher Lee 320 minutes ago
Many insurance experts agree that one of the best ways to ensure you get the most competitive rate i...
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Joseph Kim Member
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Frequently asked questions
The average cost of full coverage car insurance in the District of Columbia is $1,948 annually. For minimum coverage, the average rate is $613 per year. However, auto insurance is highly individualized, and you could be paying more or less than the average due to your rating factors.
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Amelia Singh 190 minutes ago
Many insurance experts agree that one of the best ways to ensure you get the most competitive rate i...
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Each variable may be weighted differently by an insurer, so it could help to get quotes from multipl...
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Ethan Thomas Member
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Many insurance experts agree that one of the best ways to ensure you get the most competitive rate is by periodically shopping for .
The cheapest car insurance in Washington, D.C., could depend on many variables, such as your driving record, age and vehicle type.
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Hannah Kim 130 minutes ago
Each variable may be weighted differently by an insurer, so it could help to get quotes from multipl...
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Isabella Johnson Member
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Each variable may be weighted differently by an insurer, so it could help to get quotes from multiple providers to see which one offers you the best rate.
Yes, auto insurance in Washington, D.C., is mandatory.
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Aria Nguyen 51 minutes ago
To legally drive in Washington, you have to maintain a minimum level of liability coverage, includin...
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Natalie Lopez 142 minutes ago
Severe violations like speeding, reckless driving or a DUI will generally increase your insurance ra...
To legally drive in Washington, you have to maintain a minimum level of liability coverage, including bodily injury, property damage and uninsured motorist coverage. , could result in fines, license suspensions and even compulsory .
is a term used for drivers who pose a high claims risk.
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Thomas Anderson Member
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Friday, 09 May 2025
Severe violations like speeding, reckless driving or a DUI will generally increase your insurance rate due to the high-risk nature of the incident. Having multiple accidents may also affect your insurance premiums. Written by Carol Pope Insurance Writer Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent.
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Thomas Anderson 45 minutes ago
During this time, she sold, serviced and underwrote auto insurance for people across the country. Sh...
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James Smith Moderator
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During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.
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Henry Schmidt 13 minutes ago
Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creati...
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Grace Liu Member
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Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
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Thomas Anderson 194 minutes ago
Best Car Insurance in Washington, D.C. for 2022 Bankrate Caret RightMain Menu Mortgage Mortgages Fi...