Best Car Insurance in Washington, D.C. 2024

Erie has been around for nearly a century, offering affordable rates to drivers in select states and Washington, D.C. It boasts impressive customer service scores, cheap average rates, and excellent add-ons to keep your prices low.

Cheapest Car Insurance in D.C.

With a monthly rate of $121 ($1,452 annually), Erie is the cheapest provider in D.C. Allstate offers the most expensive average rate of $213 monthly ($2,556 annually).

Rate Lock Feature Keeps Premiums Low

Erie’s rate lock feature ensures you can keep your prices low, even after an accident. With the rate lock feature, your rates won’t change unless you add a new vehicle or driver to your policy.

Integrate Pet Coverage for All Plans

Commute with your pet? Erie has you covered. Erie automatically integrates pet insurance with all of its policies, which comes in the form of $500 per pet (capped at $1,000 total for two pets) to help cover veterinary costs if your pet is injured in an accident.

GEICO insures 37 percent of all Washington, D.C., drivers, making by far the largest company in the capital.⁵ Those hundreds of thousands of drivers enjoy GEICO’s wide selection of coverage options and discounts.

Discounts Geared to Federal Workers and Military Members

Twenty-three percent of all federal agencies are located in D.C. and the surrounding area.⁶ If you work in a federal agency or are part of the military, you can benefit from the following discounts:

Discounts for Safety Features

Car insurance companies incentivize vehicle safety equipment because this equipment will, in theory, lead to fewer claims and accidents. Installing an anti-theft system will help keep your car safer in D.C. — where auto thefts are especially high — and earn you a significant discount with GEICO.

State Farm is the largest car insurance company in the country and the second-largest company in Washington, D.C. It offers the best rates for drivers after an accident, DUI, or speeding ticket, making it our top pick for drivers with a bad driving record.

Best After a DUI

Driving under the influence is extremely dangerous and can be costly to your insurance bill. A DUI can increase your premium by anywhere from about $400 to $1,400 annually in D.C.

If you have a DUI on your record, you can find the best average rates with State Farm.

Best After a Speeding Ticket

A speeding ticket, especially a severe ticket that adds several points to your record, will likely lead to a car insurance premium hike. State Farm will offer the best average rate ($1,764 annually) if you have one or more speeding tickets on your record.

Best After an Accident

With over 6,000 injuries and dozens of fatalities, 2023 saw the highest rate of traffic-related deaths in 16 years in Washington, D.C.⁸ Because of how costly car accidents can be — both to property and bodily well-being — you can expect your insurance rates to increase after an accident.

At just over $1,900 per year for car insurance, State Farm is your best bet for affordable car insurance after an accident.

With operations in more than 50 countries, Chubb is one the largest and oldest publicly traded property and casualty insurance companies in the world. In D.C., it offers the best rates for minimum liability car insurance and several specialized coverage options for classic cars, high-end vehicles, and luxury items.

Cheapest Minimum Liability Insurance

Specialized Coverage for Classic Cars

If your vehicle is at least 30 years old, part of a larger vehicle collection, or a limited production model, you might qualify for Chubb’s specialized classic car coverage. Classic cars must be garaged and used for events like car shows, exhibitions, and car club activities.

With Chubb, here’s what you get with your classic car policy:

• A network of Chubb-certified repair shops
• OEM parts replacement guaranteed
• No mileage limit when using your car for approved uses (parades, exhibits, etc.)
• Optional roadside assistance
• Automatic coverage for the first 90 days of a new classic car purchase

Robust Coverage Options

With Chubb, you can get the following coverage:

• Auto insurance
• Home insurance
• Classic car insurance
• Umbrella insurance
• Travel insurance
• Jewelry insurance
• Natural disaster insurance
• Boat and yacht insurance

With nearly 100 years in business, Allstate is one of the most recognizable car insurance companies in the country and one of the largest in D.C. Washington, D.C., is one of the highest-paying cities for rideshare drivers, and Allstate is one of the few car insurance companies that offer rideshare insurance in the city.

Great Rideshare Coverage

If you’re a rideshare driver in D.C., you’ll need additional rideshare coverage to stay protected throughout the entirety of your drive. While your personal insurance and TNC policy (provided by the rideshare company) cover most of your trip, the time you spend waiting to connect with your next passenger is not protected by personal/TNC coverage; rideshare insurance will fill that insurance gap.

Allstate’s Ride for Hire program is a rideshare coverage option you can add for just pennies per day. Allstate will extend your existing coverage limits to your rideshare gaps, giving you the protection you need for the entirety of your drive.

Sizable Homeowner Discount

If you’re a homeowner in D.C., you can benefit from one of the largest bundling discounts in the industry. Allstate offers up to 25 percent on your auto insurance when you bundle your home and auto insurance policies.

Cover a Range of Vehicles

With Allstate, you can add coverage for a variety of vehicles, which can help simplify your insurance needs by consolidating all of your coverage plans to one provider.

Here’s everything you can insure with Allstate:

• Boats
• Classic cars
• Motorcycles
• Off-road vehicles
• RVs
• Snowmobiles
• ATVs
• Motorhomes