Cheapest Washington, D.C., Car Insurance (2026)

Cheapest full coverage car insurance in Washington, D.C.: Geico

Geico has the cheapest full coverage car insurance for most Washington, D.C., drivers, at $179 a month. State Farm costs 10% more, but it has a better satisfaction score from J.D. Power J.D. Power’s satisfaction scores are based on customer surveys rating companies on factors like price, coverage options and problem resolution. , or happier customers.

USAA is cheaper than both companies for full coverage Full coverage includes collision and comprehensive, which cover your own car for damage and theft. , but it’s only available to the military community.

Key insight

Full coverage car insurance costs $218 a month on average in D.C. Your actual rate depends on factors like your driving record, vehicle and credit history. 

Cheap full coverage auto insurance

Company		Monthly rate	LendingTree score
	Geico	$179
	State Farm	$198
	Allstate	$375
	USAA*	$121

Each company treats these factors differently and has different car insurance discounts. This makes it good to compare car insurance quotes to find the cheapest rate for your situation.

Washington, D.C.’s cheapest liability insurance: State Farm

At $83 a month, State Farm has Washington, D.C.’s cheapest liability insurance, or minimum coverage, for most drivers. Geico is only slightly more expensive, at $89 a month.

Minimum coverage includes liability Liability insurance covers injuries and property damage you cause to others. It’s required by law in almost every state. insurance and uninsured motorist Uninsured motorist covers you and your passengers for injuries caused by a driver with no insurance. It’s required in about 20 states and optional everywhere else. coverage.

Best auto liability rates

Geico has a few more car insurance discounts than State Farm that can make it a cheaper option if you qualify. These include discounts for:

Cheap D.C. car insurance for teens: Geico

Geico has D.C.’s cheapest car insurance for teens, not counting USAA. The company charges young drivers $196 a month for liability insurance and $387 a month for full coverage. Next-cheapest State Farm charges teens 30% more for liability and 59% more for full coverage.

Best teen insurance rates

A lack of driving experience makes teens more likely to get into accidents than older drivers. Insurance companies charge young drivers more to account for these risks. Most teens get cheaper car insurance on a parent’s policy than they do on their own.

D.C.’s cheapest car insurance with a speeding ticket: State Farm

Most D.C. drivers with a speeding ticket can get the cheapest car insurance from State Farm, at $212 a month. This is only 6% less than Geico’s rate of $226 a month. It’s good to get quotes from both companies when their rates are this close.

Best car insurance rates with a ticket

A speeding ticket raises the average price of full coverage by 18% to $257 a month. However, some companies raise their rates by smaller amounts than others. Shopping may help you find cheaper car insurance with a bad driving record.

Cheap D.C. auto insurance after an accident: State Farm

State Farm has the cheapest car insurance after an accident for most D.C. drivers. Its full coverage rates average $198 a month after an accident. This is 25% cheaper than Geico’s rate of $264 a month.

Cheap insurance after an accident

An at-fault accident usually affects your car insurance rate for three to five years. The exact length of time depends on the type of accident and your insurance company.

It’s good to shop around if you’re still paying extra for an accident from more than three years ago. You may get a cheaper rate from a company with a shorter look-back period.

Best D.C. auto insurance for teens with driving incidents: Geico and State Farm

Geico and State Farm have D.C.’s cheapest auto insurance for teens with bad driving records. At $226 a month, Geico has the cheapest liability for teens with a speeding ticket. State Farm has the cheapest rate for teens with an accident, at $254 a month.

Cheap teen insurance after a ticket or accident

Washington, D.C.’s cheapest car insurance after a DUI: Geico

At $265 a month, Geico has the cheapest car insurance for most D.C. drivers with a DUI (driving under the influence) conviction. This is 24% less than the district’s average of $351 a month for DUI insurance.

Cheap DUI insurance

A DUI drives up the average cost of full coverage by 61%. However, Geico offers a few discounts that can help make it more affordable after a DUI. You can save money with Geico if:

Cheap Washington, D.C., car insurance for bad credit: Geico

Geico has Washington, D.C.’s cheapest bad-credit car insurance for most drivers, at $423 a month. This is 32% less than the next-cheapest rate of $619 a month from Allstate.

Best insurance rates for bad credit

Insurance companies check your credit for things like your payment history and the amounts you owe. They believe these factors show how likely you are to have an accident or other claim. You can often get cheaper car insurance by avoiding late payments and paying down debts.

Best car insurance companies in Washington, D.C.

State Farm and USAA are Washington, D.C.’s best car insurance companies. USAA is the best choice if you meet its membership requirements USAA is available to current and former military service members and their spouses and children. The spouses and children of USAA members are also eligible. . It has the cheapest overall rates for a good driving record and after a ticket, an accident or a DUI.

USAA also has a better satisfaction rating than every other car insurance company. A high satisfaction score usually means good customer service.

State Farm is the best choice for most drivers who can’t get USAA. It has D.C.’s cheapest minimum coverage car insurance and the cheapest full coverage after a ticket or accident. It also has a better satisfaction rating than Geico, but not USAA.

State Farm also has a better usage-based insurance (UBI) program than Geico.

Geico’s especially low rates for drivers with a DUI or bad credit make it the best option in these situations. Geico’s low rates for young drivers also make it a good choice for teens.

Insurance company ratings

Company	J.D. Power	AM Best	LendingTree score
Allstate	635	A+
Geico	645	A++
State Farm	650	A++
USAA*	735	A++

Minimum coverage for car insurance in Washington, D.C.

You need car insurance to drive legally in Washington, D.C. The minimum requirements include liability and uninsured motorist protection.

Minimum insurance requirements

Collision Collision covers damage to your car from a collision with another vehicle or object. and comprehensive Comprehensive covers your car for theft and damage from non-collision causes, like fire, flood and vandalism. , or full coverage, are not required by law. However, you usually need both for a car loan or lease. These coverages are also good to have if your car is worth more than $5,000 after it’s paid off.

D.C. car insurance companies also offer personal injury protection PIP covers injuries to you and your passengers, whether you or another driver causes the accident. It also covers lost wages and certain other expenses. (PIP), but you can reject it. PIP is also known as no-fault insurance. It covers your injuries whether you or another driver is at fault.