Compare Cheap Auto Insurance in Washington, D.C.

• Auto insurance in Washington, D.C., costs $2,456 annually, on average, for full coverage. Minimum coverage costs $1,086 per year on average.
• USAA offers the cheapest average rates for military-affiliated drivers in Washington, D.C., while Erie has the cheapest rates for most other drivers.
• Progressive tends to have the cheapest rates for high-risk drivers, particularly those with a DUI or low credit.

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• Cheapest full coverage auto insurance in Washington, D.C.: USAA ($1,193 annually) and Erie ($1,769 annually)
• Cheapest minimum coverage: USAA ($516 annually) and Erie ($748 annually)
• Cheapest with a teen driver: USAA ($3,183 annually) and Erie ($3,838 annually)
• Cheapest with a speeding ticket: USAA ($1,349 annually) and Erie ($1,858 annually)
• Cheapest with an at-fault accident: USAA ($1,654 annually) and Erie ($2,239 annually)
• Cheapest with a DUI: Progressive ($2,053 annually) and USAA ($2,116 annually)
• Cheapest with low credit: USAA ($2,189 annually) and Progressive ($3,364 annually)

In addition to offering some of the cheapest auto insurance rates in Washington, D.C., Erie also has high customer satisfaction ratings. Always get quotes from several companies, as the cheapest average company may not be the cheapest for you. However, depending on the rate you’re quoted, it may be worth paying slightly more for Erie if you value customer service. USAA also offers strong customer service.

1. Compare rates periodically: Auto insurance rates change over time, and the cheapest company when you signed up for your current policy may not necessarily be the cheapest now. It’s a good idea to periodically get quotes and compare rates, especially before your policy is up for renewal.
2. Bundle policies: You can usually save money by purchasing more than one policy type from the same insurer. These may include auto, home, renters, pet and motorcycle insurance, depending on what the provider offers.
3. Look for discounts: Auto insurers offer a variety of discounts to help you save money on your premium, although availability varies by state and company. Check with prospective insurers to see what you may be eligible for, which may include good driving and autopay discounts.
4. Lower your limits: If you need to lower your premium, you can decrease your liability limits, as long as you maintain the minimum requirements. However, reducing your limits can leave you on the hook for significant out-of-pocket expenses if you get into an accident, so weigh the decision carefully.

Washington, D.C., has minimum car insurance requirements just like states do. In D.C., the minimum limits are as follows:

• Bodily injury liability: $25,000 per person/$50,000 per accident
• Property damage liability: $10,000 per accident
• Uninsured motorist bodily injury liability coverage: $25,000 per person/$50,000 per accident
• Uninsured motorist bodily property damage coverage: $5,000 per accident⁴

Uninsured motorist coverage will help cover your injuries and damages if you’re in an accident caused by a driver without insurance or insufficient insurance. For added peace of mind, it’s recommended to increase your liability limits and add full coverage.

We analyze average auto insurance premiums in Washington, D.C., for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $100,000 per accident
• Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible