Best Car Insurance in Washington, D.C. (2025)

Erie Insurance, State Farm, and GEICO round out the top three insurance companies in Washington, D.C.

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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

  • 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.

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.

Find the Best Coverage at the Right Price

Liability policies start as low as $88 per month in D.C.

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Average cost of car insurance in Washington, D.C.

The average cost of car insurance in Washington, D.C., is $218 per month for liability-only coverage and $308 per month for full coverage, according to Insurify data. That’s quite a bit higher than the national monthly averages of $101 and $179, 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 $263 per month for car insurance. Breaking things down a bit further, drivers pay around $218 for basic liability coverage or $308 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

Ben Luthi
Ben Luthi

Ben Luthi has been writing about personal finance for over a decade with the intent to help people improve their finances and lifestyle. Hes covered just about every personal finance topic under the sun for a variety of publications, including the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.

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