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Best Cheap Car Insurance in Washington, D.C., for 2019

March 20, 2019
Auto Insurance, Insurance
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Finding cheap car insurance in Washington, D.C., can be challenging. Thanks to a variety of factors, including high population density and accident frequency, car insurance rates in the District of Columbia are some of the highest in the country. Rates are also unpredictable: Prices for the same coverage can be several hundreds of dollars apart, depending on the insurers.

To help D.C. drivers simplify their shopping and find a deal, researched rates from the five largest insurance companies operating in D.C. and found the three cheapest options for several driver types.

Cheapest for good drivers

State Farm had the cheapest insurance rates we found for good drivers in D.C., at about $126 per month, on average. Progressive and Geico came in second and third cheapest, respectively.

InsurerAverage price
4.0 rating


3.5 rating


3.5 rating


For this calculation, averaged rates for 40-year-old men and women with a clean driving record and good credit. With the exception of age, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including state-required coverage.

Cheapest for drivers with poor credit

State Farm was the cheapest auto insurance carrier we found for D.C. drivers with poor credit, with an average rate of $252 per month. Allstate and Progressive round out the list of cheapest insurers for drivers with blemished credit.

InsurerAverage price
4.0 rating


3.5 rating


3.5 rating


Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent accident. To calculate these figures, averaged rates for 40-year-olds with a clean driving record, poor credit as reported to their insurer, and standard "full coverage" insurance.

Cheapest for drivers with one at-fault crash

D.C. drivers who have caused a wreck recently might want to look into State Farm, which had the cheapest rates we found for this group, at $150 per month, on average. Progressive and Allstate also make the list.

InsurerAverage price
4.0 rating


3.5 rating


3.5 rating


To get these figures, we averaged rates for 40-year-olds with one recent at-fault crash and the typical "full coverage" insurance. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest for low-mileage drivers

Low-mileage drivers in D.C. can get a decent break on insurance rates from State Farm, which had the lowest average price for this group at $108 per month. Geico and Progressive complete the top three.

InsurerAverage price
4.0 rating


3.5 rating


3.5 rating


Whether you're retired, work at home or often use public transportation, you may be able to get cheaper car insurance simply because you drive less. The rates above are for 40-year-olds with typical "full coverage" insurance and a clean driving record who drive 5,000 miles per year instead of the standard 12,000.

Cheapest for minimum coverage

State Farm was the cheapest insurer we found for minimum coverage auto insurance in D.C., at $61 per month, on average. Geico and Allstate also make the list, showing that you can get bare-bones auto coverage for under $75 per month in D.C.

InsurerAverage price
4.0 rating


3.5 rating


3.5 rating


We calculated these numbers by averaging rates for 40-year-old good drivers who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended, since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more.

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  • Available only to active military members, veterans and their families.

If you’re an active member of the military or a veteran — or have an immediate family member who is — chances are you’ll get a good rate with USAA, an option that isn’t available to the general public. For that reason, we don’t rank it with the others, but USAA was the cheapest option for every driver type above, in many cases by a large amount.

Minimum required auto insurance in D.C.

Drivers in Washington, D.C., must carry liability insurance, uninsured/underinsured motorist bodily injury coverage (UMBI/UIMBI) and uninsured/underinsured motorist property damage coverage (UMPD/UIMPD) in the following amounts:

  • $25,000 bodily injury liability per person.
  • $50,000 bodily injury liability per accident.
  • $10,000 property damage liability per accident.
  • $25,000 UMBI/UIMBI per person.
  • $50,000 UMBI/UIMBI per accident.
  • $5,000 UMPD/UIMPD per accident.

Keep in mind, a serious crash could easily cause damages that exceed these amounts, which is why it’s wise to buy more than the bare minimum that’s legally required.

Check out’s guide to state car insurance requirements to learn more about the coverage limits on D.C. policies as well as optional coverages you might want to add.

Alternative car insurance in Washington, D.C.

If you have a checkered driving history, poor credit or other factors preventing you from getting traditional auto coverage, you can seek coverage through the District of Columbia Automobile Insurance Plan.’s car insurance comparison tool provides fast, easy quotes from many top companies.

Here’s a summary of where you’ll find the cheapest insurance, by category:

Cheapest car insurance in D.C.

CategoryCheapest option
Good driversState Farm
Drivers with poor creditState Farm
Drivers with one at-fault crashState Farm
Low-mileage driversState Farm
Minimum coverageState Farm
Cheap for military familiesUSAA
For our base-profile driver with good credit and a clean driving history, averaged rates from the largest insurers for 40-year-old men and women in 20 ZIP codes. The policy includes:

  • $100,000 bodily injury liability coverage per person.
  • $300,000 bodily injury liability coverage per crash.
  • $50,000 property damage liability coverage per crash.
  • $100,000 uninsured/underinsured motorist bodily injury coverage per person.
  • $300,000 uninsured/underinsured motorist bodily injury coverage per crash.
  • $50,000 uninsured/underinsured property damage coverage per crash.
  • Collision coverage with $1,000 deductible.
  • Comprehensive coverage with $1,000 deductible.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with poor credit, we adjusted the credit tier from “good” to “poor.”
  • For drivers with one at-fault crash, we added a single at-fault crash.
  • For low-mileage drivers, we adjusted the miles driven from 12,000 per year to 5,000.
  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

We used a 2015 Toyota Camry in all cases. These are rates generated through Quadrant Information Services. Your own rates will be different.