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.
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
|
Age
|
Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|
| $32 | $388 | 45 | 10/09/25 | 20019 | ||
| $37 | $446 | 28 | 07/20/25 | 20019 | ||
| $38 | $454 | 28 | 07/18/25 | 20019 | ||
| $39 | $472 | 66 | 08/20/25 | 20032 | ||
| $41 | $486 | 54 | 08/12/25 | 20018 | ||
| $47 | $560 | 28 | 07/20/25 | 20019 | ||
| $47 | $560 | 28 | 07/18/25 | 20019 | ||
| $51 | $608 | 42 | 06/20/25 | 20007 | ||
| $51 | $615 | 32 | 09/30/25 | 20009 | ||
| $51 | $616 | 28 | 07/20/25 | 20019 |
If you have a loan or lease on your vehicle, the lender will require
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.
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
|
Age
|
Date of Quote
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City, State
|
ZIP Code
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|---|
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Avg Monthly Quote
|
Avg Annual Quote
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Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
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|---|---|---|---|---|---|---|
| $59 | $711 | 42 | 06/20/25 | 20011 | ||
| $66 | $788 | 68 | 10/06/25 | 20019 | ||
| $69 | $826 | 48 | 08/18/25 | 20008 | ||
| $73 | $879 | 40 | 06/18/25 | 20018 | ||
| $77 | $923 | 65 | 08/11/25 | 20005 | ||
| $78 | $931 | 64 | 09/07/25 | 20018 | ||
| $82 | $983 | 30 | 09/14/25 | 20001 | ||
| $87 | $1,045 | 35 | 09/10/25 | 20016 | ||
| $90 | $1,075 | 56 | 08/26/25 | 20002 | ||
| $93 | $1,120 | 68 | 10/06/25 | 20019 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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
Here are some real quotes from young drivers in D.C. received via Jerry.
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Avg Monthly Quote
|
Avg Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $37 | $446 | 28 | No | 07/20/25 | 20019 | ||
| $38 | $454 | 28 | No | 07/18/25 | 20019 | ||
| $47 | $560 | 28 | No | 07/18/25 | 20019 | ||
| $47 | $560 | 28 | No | 07/20/25 | 20019 | ||
| $51 | $616 | 28 | No | 07/20/25 | 20019 | ||
| $78 | $931 | 64 | 09/07/25 | 20018 | |||
| $82 | $983 | 30 | 09/14/25 | 20001 | |||
| $87 | $1,045 | 35 | 09/10/25 | 20016 | |||
| $90 | $1,075 | 56 | 08/26/25 | 20002 | |||
| $93 | $1,120 | 68 | 10/06/25 | 20019 |
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.
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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
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $30 | $364 | 42 | No | 06/20/25 | 20011 | ||
| $32 | $388 | 45 | No | 10/09/25 | 20019 | ||
| $37 | $438 | 41 | No | 10/07/25 | 20011 | ||
| $39 | $464 | 48 | No | 08/18/25 | 20008 | ||
| $40 | $483 | 45 | No | 05/07/25 | 20010 | ||
| $78 | $931 | 64 | 09/07/25 | 20018 | |||
| $82 | $983 | 30 | 09/14/25 | 20001 | |||
| $87 | $1,045 | 35 | 09/10/25 | 20016 | |||
| $90 | $1,075 | 56 | 08/26/25 | 20002 | |||
| $93 | $1,120 | 68 | 10/06/25 | 20019 |
Cheapest car insurance for older drivers (55+ years old)
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
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Date of Quote
|
City, State
|
ZIP Code
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|---|
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $39 | $472 | 66 | No | 08/20/25 | 20032 | ||
| $42 | $504 | 58 | No | 08/19/25 | 20015 | ||
| $46 | $550 | 56 | No | 08/26/25 | 20002 | ||
| $47 | $560 | 64 | No | 09/07/25 | 20018 | ||
| $49 | $586 | 68 | No | 10/06/25 | 20019 | ||
| $78 | $931 | 64 | 09/07/25 | 20018 | |||
| $82 | $983 | 30 | 09/14/25 | 20001 | |||
| $87 | $1,045 | 35 | 09/10/25 | 20016 | |||
| $90 | $1,075 | 56 | 08/26/25 | 20002 | |||
| $93 | $1,120 | 68 | 10/06/25 | 20019 |
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.
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Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $32 | $388 | 10/09/25 | No | 20019 | ||
| $37 | $438 | 10/07/25 | No | 20011 | ||
| $37 | $446 | 07/20/25 | No | 20019 | ||
| $38 | $454 | 07/18/25 | No | 20019 | ||
| $39 | $464 | 08/18/25 | No | 20008 | ||
| $40 | $483 | 05/07/25 | No | 20010 | ||
| $41 | $496 | 06/20/25 | No | 20011 | ||
| $42 | $500 | 05/11/25 | No | 20005 | ||
| $42 | $504 | 08/19/25 | No | 20015 | ||
| $43 | $515 | 08/12/25 | No | 20018 |
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.
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Credit Score
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
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|---|
|
Credit Score
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Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $52 | $619 | 21 | 01/27/24 | 20010 | ||
| <550 | $67 | $801 | 21 | 03/25/25 | 20010 | ||
| <550 | $91 | $1,086 | 60 | 01/27/25 | 20019 | ||
| <550 | $93 | $1,112 | 36 | 08/01/24 | 20002 | ||
| <550 | $102 | $1,218 | 64 | 07/13/24 | 20020 | ||
| $40 | $483 | 64 | 20010 | ||||
| $41 | $496 | 30 | 20011 | ||||
| $42 | $500 | 35 | 20005 | ||||
| $42 | $504 | 56 | 20015 | ||||
| $43 | $515 | 68 | 20018 |
Cheapest car insurance for drivers with at-fault accidents in Washington, D.C.
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At-fault Accident on Record
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
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City, State
|
ZIP Code
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|---|
|
At-fault Accident on Record
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Avg Monthly Quote
|
Avg Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $51 | $610 | 31 | No | 08/15/25 | 20002 | ||
| At Fault With No Injury | $74 | $884 | 63 | No | 09/15/25 | 20008 | ||
| At Fault With No Injury | $74 | $890 | 27 | No | 07/17/24 | 20007 | ||
| At Fault With No Injury | $77 | $928 | 52 | No | 08/10/25 | 20011 | ||
| At Fault With No Injury | $85 | $1,022 | 25 | No | 01/31/25 | 20011 | ||
| $40 | $483 | 64 | No | 20010 | ||||
| $41 | $496 | 30 | No | 20011 | ||||
| $42 | $500 | 35 | No | 20005 | ||||
| $42 | $504 | 56 | No | 20015 | ||||
| $43 | $515 | 68 | No | 20018 |
More: What is an at-fault accident?
Cheapest car insurance for drivers with speeding tickets in Washington, D.C.
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Violation Summary
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
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Date of Quote
|
City, State
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ZIP Code
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|---|
|
Violation Summary
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Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| 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 | ||
| Speeding under 15 | $146 | $1,746 | 29 | 10/16/25 | 20011 | ||
| $40 | $483 | 64 | 05/07/25 | 20010 | |||
| $41 | $496 | 30 | 06/20/25 | 20011 | |||
| $42 | $500 | 35 | 05/11/25 | 20005 | |||
| $42 | $504 | 56 | 08/19/25 | 20015 | |||
| $43 | $515 | 68 | 08/12/25 | 20018 |
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.
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 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.
