Our editorial team analyzed regional and national auto insurance companies that sell policies in Washington, D.C., to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
Shopping for car insurance can be difficult, and each person has different priorities when it comes to car insurance coverage.
To help you find the right fit, Insurify analyzed 50 car insurance companies to determine the best car insurance companies in Washington, D.C.
Here are our top five picks and why we chose them.
Best car insurance companies in Washington, D.C.
The best car insurance company for you depends on several factors, such as your coverage needs, budget, driving record, and age. As you shop around, it’s also a good idea to consider each insurer’s coverage options, discounts, and track record for customer satisfaction and claims handling.
Here’s a quick look at our top choices to help you and other Washington, D.C., drivers get started on your search.
Erie Insurance: Best overall
State Farm: Best for claims satisfaction
GEICO: Best for cheap car insurance
Travelers: Best for young drivers
USAA: Best for military members and their families
How to get the best car insurance in Washington, D.C.
While our top picks can help you get started with your hunt for the best car insurance, it’s important to do your own research to ensure you get the best of the best.
Here are some tips you can use.
Average cost of car insurance in Washington, D.C.
The average cost of car insurance in Washington, D.C., is $225 per month for liability-only coverage and $313 per month for full coverage, according to Insurify data. That’s quite a bit higher than the national monthly averages of $103 and $182, respectively.
Over the past two years, car insurance rates in the District have spiked, with average full-coverage rates jumping 24% since 2023, according to Insurify’s latest study. That’s substantially higher than the 15% average increase nationwide.
Best car insurance in Washington, D.C., FAQs
As you consider your options for car insurance, here are some answers to common questions to help you make a decision.
How much is car insurance in Washington, D.C.?
The average D.C. driver pays around $269 per month for car insurance. Breaking things down a bit further, drivers pay around $225 for basic liability coverage or $313 for a more robust full-coverage policy.
What are the best car insurance companies in Washington, D.C.?
Insurify’s top choices for the best car insurance companies in D.C. include Erie Insurance, State Farm, GEICO, Travelers, and USAA.
What is the required auto insurance coverage amount in Washington, D.C.?
The minimum coverage requirements for drivers in Washington, D.C., include:3
Property damage liability: $10,000
Bodily injury liability: $25,000 per person, $50,000 per accident
Uninsured motorist bodily injury: $25,000 per person, $50,000 per accident
Uninsured motorist property damage: $5,000 (subject to a $200 deductible)
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