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Car Insurance Quotes in Washington, DC

Full coverage / year
$2,475
State minimum / year
$1,013
Typical quote range
$1,758 – $3,416

Drivers in Washington pay an estimated $2,475 a year for full coverage car insurance, or about $206 a month. Rates here run roughly 16% higher than the rest of District of Columbia, driven by city-level congestion, a higher share of uninsured drivers, and costlier repairs. Use the calculator below to price your actual age, vehicle and record instead of the city average.

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Car insurance calculator — Washington, DC

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$206/ month
$2,475 per year · carriers in Washington, DC typically quote $1,758 – $3,416
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Washington, DC

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,881$157-24%Military members and families only
Geico$2,029$169-18%Usually cheapest for clean records
State Farm$2,178$182-12%Strong for young and student drivers
Progressive$2,351$196-5%Competitive after a ticket or accident
Travelers$2,401$200-3%Good multi-policy discounts
Nationwide$2,475$2060%Mid-market, wide availability
Allstate$2,821$235+14%Higher base rate, heavy discount stacking
Farmers$2,995$250+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Washington, DC. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Washington

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$6,686$2,735$557
18 years old$5,640$2,307$470
20 years old$4,670$1,911$389
22 years old$3,879$1,587$323
25 years old$2,960$1,211$247
30 years old$2,552$1,044$213
40 years old$2,399$981$200
50 years old$2,297$940$191
60 years old$2,271$929$189
65 years old$2,373$971$198
70 years old$2,603$1,065$217
75 years old$3,037$1,242$253

Estimated premiums by age in Washington, DC, clean record, sedan.

What a ticket, accident or DUI costs in Washington

Driving recordEst. annualIncrease
Clean record$2,475—
1 speeding ticket$3,045+23%
1 at-fault accident$3,639+47%
DUI / DWI$4,679+89%

What a violation costs a 35-year-old in Washington, DC. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in District of Columbia

Every driver registering a vehicle in District of Columbia must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the District of Columbia Department of Insurance.

Required coverage in District of ColumbiaMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$10,000
Uninsured motorist 25/50/5Required
Insurance systemAt-fault (tort)

Coverage levels compared in Washington

Coverage levelEst. annualEst. monthly
State minimum liability$1,013$84
Full coverage (100/300/100 + comp & collision)$2,475$206
Full coverage, high limits + low deductible$2,946$245

Coverage level comparison for Washington, DC.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Washington

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Washington covers 20001, 20002, 20003, 20004, 20005, 20006 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Washington, DC?
Full coverage in Washington is estimated at $2,475 a year ($206 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $1,013 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in District of Columbia?
District of Columbia requires at least $25,000 bodily injury per person, $50,000 per accident and $10,000 property damage, plus uninsured motorist 25/50/5. District of Columbia is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Washington?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Washington for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Washington?
An 18-year-old in Washington is estimated at $5,640 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Washington?
A DUI takes the estimate from $2,475 to about $4,679 a year in Washington, an increase of roughly 89%. District of Columbia drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Washington?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

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Comparing more of District of Columbia? See every District of Columbia city we price or read the cheap car insurance guide for Washington.