Cheapest Car Insurance In Washington, DC 2024
Erie is the most affordable option in Washington, with an average rate of $40 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When looking for the cheapest car insurance in Washington, DC, the options can vary widely.
For those interested in the most affordable liability-only coverage, Erie stands out as the top choice. For drivers seeking more comprehensive protection, Erie also provides the best rates for full coverage policies. On the other hand, young drivers can find the lowest rates with Geico.
Cheapest Car Insurance Companies In Washington, DC 2024
Cheapest Minimum Coverage Car Insurance In Washington: Erie
Erie offers the lowest cost car insurance for minimum coverage in Washington, with an average monthly rate of $40.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $40 | $480 |
| Progressive | $85 | $1,020 |
| GEICO | $47 | $564 |
| Nationwide | $133 | $1,596 |
| State Farm | $52 | $624 |
Having the minimum car insurance gives you some protection on the road, but it doesn’t cover collision or comprehensive insurance. Therefore, damages to your own vehicle from accidents, theft, or natural disasters won’t be covered.
Cheapest Car Insurance Companies In Washington For Drivers With Prior Incidents
In Washington, drivers with a history of traffic violations like accidents, speeding, or DUIs often encounter challenges in getting affordable car insurance. These driving infractions lead insurance companies to classify them as high-risk, indicating a higher probability of filing future insurance claims.
As a result, insurance providers increase their rates for these individuals to offset the risk of higher claim payouts.
Cheapest Car Insurance In Washington After A Speeding Ticket: GEICO
GEICO provides notably inexpensive rates compared to other companies, with average monthly rates of $46.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $46 | $552 |
| Progressive | $106 | $1,272 |
| Erie | $50 | $600 |
| Nationwide | $148 | $1,776 |
| State Farm | $66 | $792 |
Cheapest Car Insurance In Washington After At-Fault Accident: GEICO
GEICO provides the most affordable car insurance quotes for drivers with an at-fault incident, averaging $52 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $52 | $624 |
| Progressive | $150 | $1,800 |
| Erie | $56 | $672 |
| Nationwide | $192 | $2,304 |
| State Farm | $72 | $864 |
Cheapest Car Insurance In Washington For Drivers After A DUI: State Farm
State Farm offers the lowest rates for drivers with a DUI, with Washington drivers averaging $65 per month in premiums.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $65 | $780 |
| GEICO | $98 | $1,176 |
| Erie | $73 | $876 |
| Allstate | 238 | $2,856 |
| Progressive | $94 | $1,128 |
Cheapest Car Insurance In Washington For Seniors: Erie
Erie offers the lowest car insurance rates for seniors in Washington, averaging $48 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $48 | $576 |
| Progressive | $87 | $1,044 |
| GEICO | $56 | $672 |
| Nationwide | $126 | $1,512 |
| State Farm | $59 | $708 |
In the District of Columbia, many seniors can find favorable car insurance rates due to various beneficial factors. While age often influences insurance rates, with older drivers sometimes seen as having diminished driving skills, this generalization does not apply to everyone.
Cheapest Auto Insurance Rates In Washington For Teenagers: GEICO
In Washington, teenage drivers can get the lowest quotes from GEICO, with average monthly premiums of $139.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $139 | $1,668 |
| USAA | $181 | $2,172 |
| Erie | $157 | $1,884 |
| Midvale Home & Auto | $211 | $2,532 |
| State Farm | $176 | $2,112 |
Teenage drivers often encounter the highest car insurance premiums primarily because of their lack of driving experience. Insurance companies categorize these young motorists as high-risk due to their statistically higher likelihood of being involved in accidents and committing traffic violations.
Cheapest Full Coverage Car Insurance In Washington: Erie
Erie offers the lowest full coverage car insurance rates in Washington, averaging $94 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $94 | $1,128 |
| Progressive | $147 | $1,764 |
| GEICO | $98 | $1,176 |
| Nationwide | $190 | $2,280 |
| State Farm | $105 | $1,260 |
Full coverage car insurance offers broad protection that exceeds the basic legal requirements. This type of insurance usually includes both comprehensive and collision coverages.
Comprehensive coverage protects against non-collision events like theft, vandalism, and natural disasters. Collision coverage provides financial protection for vehicle damage caused by accidents, regardless of who is at fault.
Cheapest Car Insurance In Washington For Good Drivers: Erie
Washington’s good drivers can secure the most affordable car insurance quotes from Erie, with rates averaging around $40 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $40 | $480 |
| Progressive | $85 | $1,020 |
| GEICO | $47 | $564 |
| Nationwide | $133 | $1,596 |
| State Farm | $52 | $624 |
In Washington, drivers with clean records usually enjoy lower car insurance rates as they are seen as less risky by insurance companies. Driving records serve as a measure of a person’s driving habits. A record with fewer incidents, such as accidents or traffic violations, indicates cautious driving and a reduced likelihood of filing claims.
Because insurance companies determine rates based on the probability of claims, having a clean driving record can result in substantial savings on premiums. It all comes down to risk assessment: the cleaner the record, the lower the perceived risk, and consequently, the lower the insurance cost.
How Much Is Car Insurance In Other Cities in District Of Columbia?
| City | Average Monthly Rate |
| Laurel | $191 |
| Bethesda | $162 |
| Bowie | $192 |
| Potomac | $170 |
| Silver Spring | $179 |
| Rockville | $159 |
| Reston | $198 |
| Gaithersburg | $175 |
| Arlington | $186 |
| Ellicott City | $178 |
The city you live in greatly affects your car insurance rates. Insurance companies consider factors such as the likelihood of accidents, vehicle theft, and vandalism rates, which are generally higher in urban areas. This increased risk often results in higher premiums.
Average Cost Of Auto Insurance In Washington- By Zip Code
| City | Average Monthly Rate |
| 20002 | $100 |
| 20019 | $98 |
| 20009 | $102 |
| 20020 | $103 |
| 20011 | $104 |
Average Cost Of Auto Insurance In Washington – By Zip Code
| City | Average Monthly Rate |
| 20011 | $98 |
| 20009 | $98 |
| 20019 | $98 |
| 20020 | $98 |
| 20002 | $98 |
Our Methodology
After conducting a thorough analysis that considers various factors including customer service ratings, available product options, pricing, and extensive evaluation of online review sites and user experiences, I've developed a detailed overview of the car insurance providers in Washington, DC.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Washington?
Erie provides the most affordable car insurance rates in Washington for both minimum coverage required by the District of Columbia and full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Washington?
In Washington, the average monthly cost of car insurance is around $187. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant details.
