Cheapest Car Insurance in Washington, D.C. (November 2025)

Written by Xuyun Zeng and 1 other

Updated Nov 12, 2025

Cheapest Car Insurance in Washington, D.C. (November 2025)

Drivers in Washington, D.C., contend with high traffic and occasionally extreme weather. Though the District sees higher premiums than more rural areas, locals can comparison shop to find affordable rates.

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Written by Xuyun Zeng and 1 other

Updated Nov 12, 2025

Washington, D.C., drivers must navigate heavy traffic, narrow streets and seasonal precipitation. The bustling city also requires drivers to share the road with plenty of pedestrians, cyclists, and other drivers, increasing the chance of unexpected incidents. With so much happening on the road, it’s important to stay protected with the right car insurance policy.

To help you get a better idea of what your premiums could be, we’ve gathered quotes from Washington, D.C., drivers to show you the cheapest car insurance quotes based on local drivers’ ages, location within the city, coverage preferences and driving records.

More: Best car insurance companies

Cheapest minimum coverage insurance in Washington, D.C.

According to the D.C. DMV, drivers need to have these minimum coverages to register a vehicle or renew a registration:

$10,000 for property damage liability.
$25,000 per person and $50,000 per accident for third-party liability.
$25,000 per person and $50,000 per accident for uninsured motorist bodily injury.
$5,000 subject to a $200 deductible for uninsured motorist property damage.

Here are some of the cheapest quotes for minimum coverage in Washington, D.C., based on data from real Jerry customers.

Avg Monthly Quote	Avg Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Avg Monthly Quote	Avg Annual Quote	Age	Date of Quote	ZIP Code

$32	$388	45	10/09/25	20019
$39	$472	66	08/20/25	20032
$41	$486	54	08/12/25	20018
$51	$608	42	06/20/25	20007
$51	$615	32	09/30/25	20009
$52	$625	42	06/20/25	20011
$54	$645	48	08/18/25	20008
$55	$656	64	11/08/25	20002
$56	$676	41	10/12/25	20002
$57	$687	68	10/06/25	20019

Last Updated Nov. 10, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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More: Get cheap car insurance the smart way, today

Cheapest full coverage insurance in Washington, D.C.

Full coverage insurance in Washington, D.C., includes the District’s required minimums, plus coverage for your vehicle (collision coverage and comprehensive insurance). Here’s a breakdown of what these types of insurances cover:

Collision coverage pays for repairs to your vehicle in an accident, regardless of who is at fault.
Comprehensive coverage helps pay the cost of vehicle damage caused by non-collision events such as weather-related incidents, animal collisions or theft.

Avg Monthly Quote	Avg Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Avg Monthly Quote	Avg Annual Quote	Age	Date of Quote	ZIP Code

$59	$711	42	06/20/25	20011
$66	$788	68	10/06/25	20019
$69	$826	48	08/18/25	20008
$69	$829	63	09/15/25	20008
$73	$879	38	06/18/25	20018
$74	$884	64	11/08/25	20002
$77	$923	65	08/11/25	20005
$78	$931	64	09/07/25	20018
$80	$954	41	10/12/25	20002
$80	$964	38	11/07/25	20005

Last Updated Nov. 10, 2025

Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

35-45 years old.
Clean driving record.
$50,000 in bodily injury liability, per person.
$100,000 in bodily injury liability, per accident.
$1,000 deductible for comprehensive and collision insurance.

Cheapest car insurance for young drivers in Washington, D.C. (18-29 years old)

Young drivers tend to pay higher premiums than those who are 30 and older because insurers see them as inexperienced, and therefore riskier to insure. This means young drivers may have to do a little more comparison shopping to get a good rate.

Here are some real quotes from young drivers in D.C. received via Jerry.

Avg Monthly Quote	Avg Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

Avg Monthly Quote	Avg Annual Quote	Age	Has Full Coverage	Date of Quote	ZIP Code

$52	$618	26	No	10/17/25	20018
$55	$654	26	No	07/11/25	20010
$58	$700	27	No	09/26/25	20008
$59	$711	29	No	07/30/25	20016
$59	$712	26	No	07/11/25	20010
$74	$884	64		11/08/25	20002
$77	$923	65		08/11/25	20005
$78	$931	64		09/07/25	20018
$80	$954	41		10/12/25	20002
$80	$964	38		11/07/25	20005

Last Updated Nov. 10, 2025

Cheapest car insurance for mature drivers in Washington, D.C. (30-54 years old)

More mature drivers between 30 and 54 years old typically get lower rates than young drivers.

Here are the cheapest quotes for those drivers in D.C., based on data from Jerry's customers.

Avg Monthly Quote	Avg Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

Avg Monthly Quote	Avg Annual Quote	Age	Has Full Coverage	Date of Quote	ZIP Code

$30	$364	42	No	06/20/25	20011
$32	$388	45	No	10/09/25	20019
$33	$398	41	No	10/12/25	20002
$37	$438	41	No	10/07/25	20011
$39	$464	48	No	08/18/25	20008
$74	$884	64		11/08/25	20002
$77	$923	65		08/11/25	20005
$78	$931	64		09/07/25	20018
$80	$954	41		10/12/25	20002
$80	$964	38		11/07/25	20005

Last Updated Nov. 10, 2025

Cheapest car insurance for older drivers (55+ years old)

Avg Monthly Quote	Avg Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

Avg Monthly Quote	Avg Annual Quote	Age	Has Full Coverage	Date of Quote	ZIP Code

$36	$428	64	No	11/08/25	20002
$39	$472	66	No	08/20/25	20032
$41	$489	63	No	08/08/25	20008
$42	$504	58	No	08/19/25	20015
$44	$530	62	No	07/23/25	20002
$74	$884	64		11/08/25	20002
$77	$923	65		08/11/25	20005
$78	$931	64		09/07/25	20018
$80	$954	41		10/12/25	20002
$80	$964	38		11/07/25	20005

Last Updated Nov. 10, 2025

More: Best car insurance for seniors

Cheapest car insurance for drivers with clean records in Washington, D.C.

A clean record will typically get you a better rate than someone with blemishes on their driving history.

Drivers in Washington, D.C., without any claims or tickets have received these quotes via Jerry.

Avg Monthly Quote	Avg Annual Quote	Insurance Company	Date of Quote	Has Full Coverage	City, State	ZIP Code

Avg Monthly Quote	Avg Annual Quote	Date of Quote	Has Full Coverage	ZIP Code

$32	$388	10/09/25	No	20019
$33	$398	10/12/25	No	20002
$36	$428	11/08/25	No	20002
$37	$438	10/07/25	No	20011
$39	$464	08/18/25	No	20008
$41	$489	08/08/25	No	20008
$42	$504	08/19/25	No	20015
$43	$515	08/12/25	No	20018
$46	$550	08/26/25	No	20002
$46	$556	05/29/25	No	20011

Last Updated Nov. 10, 2025

Cheapest car insurance for drivers with low credit scores in Washington, D.C.

Drivers with credit score below 550 are at risk of paying higher rates, so it's wise to comparison shop to find the best rate.

Here's what Jerry customers with credit score below 550 were quoted in D.C.

Credit Score	Avg Monthly Quote	Avg Annual Quote	Insurance Company	Age	Date of Policy	City, State	ZIP Code

Credit Score	Avg Monthly Quote	Avg Annual Quote	Age	Date of Policy	ZIP Code

<550	$161	$1,932	45	06/23/25	20019
<550	$198	$2,376	39	02/06/25	20024
<550	$250	$3,000	24	04/12/25	20032
<550	$260	$3,114	27	02/25/25	20019
<550	$260	$3,120	39	05/29/25	20020
	$41	$489	64		20008
	$42	$504	65		20015
	$43	$515	64		20018
	$46	$550	41		20002
	$46	$556	38		20011

Last Updated Nov. 11, 2025

Cheapest car insurance for drivers with at-fault accidents in Washington, D.C.

At-fault Accident on Record	Avg Monthly Quote	Avg Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Policy	City, State	ZIP Code

At-fault Accident on Record	Avg Monthly Quote	Avg Annual Quote	Age	Has Full Coverage	Date of Policy	ZIP Code

At Fault With No Injury	$99	$1,190	63	No	01/26/25	20020
At Fault With No Injury	$109	$1,312	43	No	10/08/25	20011
At Fault With No Injury	$125	$1,502	47	Yes	02/24/25	20020
At Fault With No Injury	$159	$1,912	38	Yes	01/02/25	20011
At Fault With No Injury	$173	$2,076	33	No	01/09/25	20018
	$41	$489	64	No		20008
	$42	$504	65	No		20015
	$43	$515	64	No		20018
	$46	$550	41	No		20002
	$46	$556	38	No		20011

Last Updated Nov. 11, 2025

More: What is an at-fault accident?

Cheapest car insurance for drivers with speeding tickets in Washington, D.C.

Violation Summary	Avg Monthly Quote	Avg Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Violation Summary	Avg Monthly Quote	Avg Annual Quote	Age	Date of Quote	ZIP Code

Speeding under 15	$82	$980	26	06/14/25	20012
Speeding under 15	$83	$992	26	06/13/25	20012
Speeding over 15	$83	$994	27	09/06/25	20002
Speeding under 15	$91	$1,094	51	06/17/25	20019
Speeding over 15	$128	$1,534	31	10/01/25	20018
	$41	$489	64	08/08/25	20008
	$42	$504	65	08/19/25	20015
	$43	$515	64	08/12/25	20018
	$46	$550	41	08/26/25	20002
	$46	$556	38	05/29/25	20011

Last Updated Nov. 13, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

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Our experts

Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

^†Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.