Cheapest Car Insurance in Washington, D.C. (2025)
Best cheap car insurance in Washington, D.C.
Washington, D.C.’s best full-coverage car insurance: Geico
Because Geico and Progressive are so close in cost, get quotes from both companies to see which will give you the best rate.
Cheapest full-coverage insurance companies
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Geico | $2,095 |  |
 | Progressive | $2,123 |  |
 | Erie | $2,165 | |
 | State Farm | $2,324 |  |
 | Allstate | $4,421 |  |
 | USAA* | $1,100 | |
USAA is cheaper than Geico and Progressive, at $1,100 a year — however, only members of the military and their families can buy from USAA.
The average cost of full-coverage car insurance in Washington, D.C. is $2,371 a year.
Cheap liability car insurance quotes in Washington, D.C.: Erie
Geico also offers cheap liability insurance at $910 a year.
Geico has many more discount options than Erie does, which could make it the cheapest company for you. With Geico, you can get discounts for air bags, anti-lock brakes, daytime running lights and bundling auto and home coverage.
Cheapest liability insurance companies
| Company | Annual rate |
|---|---|
| Erie | $794 |
| Geico | $910 |
| State Farm | $1,036 |
| Progressive | $1,260 |
| Allstate | $2,087 |
| USAA* | $497 |
Cheapest Washington, D.C. auto insurance for young drivers: Erie
Geico is the second-cheapest company for teen car insurance in Washington, D.C., but its rates are a lot higher than Erie’s.
Best insurance rates for young drivers
| Company | Liability only | Full coverage |
|---|---|---|
| Erie | $1,593 | $4,460 |
| Geico | $2,798 | $6,146 |
| State Farm | $3,270 | $7,516 |
| Allstate | $7,186 | $15,140 |
| Progressive | $7,700 | $13,210 |
| USAA* | $1,126 | $2,439 |
To get the cheapest car insurance for teen and young drivers in Washington, D.C., compare car insurance quotes from several companies before you buy or renew a policy.
Best cheap insurance in Washington, D.C. after a speeding ticket: Erie
Getting a few discounts from State Farm could make it your cheapest option, so ask about them when you go for a quote.
Washington, D.C. drivers see their car insurance rates go up by around 19% after a speeding ticket. If you have a policy with Erie, your rate will only go up by 5%, on average.
Cheapest car insurance with a speeding ticket
| Company | Annual rate |
|---|---|
| Erie | $2,273 |
| State Farm | $2,509 |
| Progressive | $2,642 |
| Geico | $3,000 |
| Allstate | $5,086 |
| USAA* | $1,359 |
Washington, D.C.’s best car insurance rates after an accident: State Farm
State Farm’s rate is 32% lower than the D.C. average rate after an accident, $3,427 a year.
Cheapest car insurance with an accident
| Company | Annual rate |
|---|---|
| State Farm | $2,324 |
| Erie | $2,763 |
| Progressive | $3,355 |
| Geico | $4,446 |
| Allstate | $6,097 |
| USAA* | $1,574 |
Cheap insurance for Washington, D.C. teens with a bad record: Erie
To get cheap car insurance as a teen with a bad driving record in Washington, D.C., go to Erie.
Cheapest insurance for teens with a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| Erie | $2,073 | $1,831 |
| Geico | $3,463 | $4,509 |
| State Farm | $3,554 | $3,270 |
| Progressive | $8,097 | $8,975 |
| Allstate | $8,361 | $8,478 |
| USAA* | $1,286 | $1,320 |
- Get good grades
- Complete a driver’s education or defensive driver program
- Go to college and leave their car at home
Cheapest D.C. car insurance companies after a DUI: Progressive
Erie is the next-cheapest company after a DUI (driving under the influence) conviction at $3,253 a year.
Cheapest car insurance with a DUI
| Company | Annual rate |
|---|---|
| Progressive | $2,389 |
| Erie | $3,253 |
| Allstate | $5,623 |
| Geico | $6,022 |
| State Farm | $6,123 |
| USAA* | $1,954 |
Best cheap car insurance for bad credit in Washington, D.C.: Progressive
Geico and Progressive offer many discounts that could help you get cheap car insurance with poor credit. To see which one will give you the best offer, compare quotes from both companies.
Cheapest car insurance with poor credit
| Company | Annual rate |
|---|---|
| Progressive | $4,246 |
| Geico | $4,802 |
| Erie | $5,680 |
| Allstate | $7,312 |
| State Farm | $13,494 |
| USAA* | $2,192 |
Best car insurance companies in Washington, D.C.
Both Erie and State Farm offer several discounts that could help you save money, but you can do more to personalize your policy with Erie.
State Farm has a better app and website, though. You can even get quotes through its site, which you can’t do with Erie.
Washington, D.C. car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Erie | 700 | A+ | |
| Geico | 637 | A++ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Car insurance: Washington D.C. vs. Virginia and Maryland
Car insurance bought inside D.C. usually costs more than insurance bought in neighborhoods located just across the District line.
Full-coverage insurance averages $2,371 a year within D.C., but it’s cheaper in:
- Arlington, Virginia ($1,746 a year)
- Alexandria, Virginia ($1,843 a year)
- Bethesda, Maryland ($1,850 a year)
- Silver Spring, Maryland ($2,257 a year)
Minimum coverage for car insurance in Washington, D.C.
Washington, D.C. car insurance requirements
| Coverage type | Minimum amount needed |
|---|---|
| Liability bodily injury | $25,000 per person $50,000 per accident |
| Liability property damage | $10,000 per accident |
| UM bodily injury | $25,000 per person $50,000 per accident |
| UM property damage | $5,000 subject to $200 deductible |
Frequently asked questions
The average cost of car insurance in Washington, D.C. is $2,371 a year for full-coverage policies. If you only buy liability car insurance, the average cost is $1,097 a year.
Erie has the cheapest car insurance for Washington, D.C. drivers who want liability-only coverage, with an average rate of $794 a year.
Geico has the cheapest full-coverage car insurance in D.C., at $2,095 a year.