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

Written by Xuyun Zeng and 1 other
Updated Jul 29, 2025
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Cheapest Car Insurance in Washington, D.C. (August 2025)

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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
$51 $608 Progressive 42 June 20, 2025 Washington, DC 20007
$52 $625 Progressive 42 June 20, 2025 Washington, DC 20011
$58 $692 Geico 38 April 20, 2025 Washington, DC 20003
$60 $721 Geico 30 April 27, 2025 Washington, DC 20001
$61 $726 Geico 54 April 13, 2025 Washington, DC 20020
$61 $732 Geico 30 March 9, 2025 Washington, DC 20001
$61 $736 Geico 51 March 7, 2025 Washington, DC 20011
$61 $737 Geico 29 April 12, 2025 Washington, DC 20009
$65 $776 Geico 34 April 17, 2025 Washington, DC 20011
$66 $794 Progressive 40 June 17, 2025 Washington, DC 20009
Last Updated Jul 30, 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
$59 $711 Progressive 42 June 20, 2025 Washington, DC 20011
$73 $879 Progressive 40 June 18, 2025 Washington, DC 20018
$74 $893 Progressive 40 June 17, 2025 Washington, DC 20009
$76 $907 Progressive 35 February 16, 2025 Washington, DC 20018
$77 $924 Geico 52 April 13, 2025 Washington, DC 20019
$77 $925 Progressive 52 April 13, 2025 Washington, DC 20019
$79 $950 Progressive 51 March 7, 2025 Washington, DC 20011
$80 $957 Progressive 34 April 17, 2025 Washington, DC 20011
$82 $983 Progressive 60 March 31, 2025 Washington, DC 20019
$83 $996 Geico 43 March 31, 2025 Washington, DC 20020
Last Updated Jul 30, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
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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
$49 $586 Progressive 28 No March 21, 2025 Washington, DC 20002
$55 $654 Geico 26 No July 11, 2025 Washington, DC 20010
$56 $676 Progressive 28 No February 10, 2025 Washington, DC 20009
$59 $712 Progressive 26 No July 11, 2025 Washington, DC 20010
$61 $737 Geico 29 No April 12, 2025 Washington, DC 20009
Last Updated Jul 30, 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
$30 $364 Progressive 42 No June 20, 2025 Washington, DC 20011
$34 $404 Progressive 52 No April 13, 2025 Washington, DC 20019
$37 $442 Progressive 34 No April 17, 2025 Washington, DC 20011
$39 $468 Progressive 51 No March 7, 2025 Washington, DC 20011
$40 $483 Progressive 45 No May 7, 2025 Washington, DC 20010
Last Updated Jul 30, 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
$43 $516 Progressive 60 No March 31, 2025 Washington, DC 20019
$44 $530 Progressive 62 No July 23, 2025 Washington, DC 20002
$44 $530 Progressive 74 No March 1, 2025 Washington, DC 20020
$52 $624 Progressive 62 No May 1, 2025 Washington, DC 20005
$59 $709 Geico 62 No July 23, 2025 Washington, DC 20002
Last Updated Jul 30, 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
$34 $404 Progressive April 13, 2025 No Washington, DC 20019
$37 $442 Progressive April 17, 2025 No Washington, DC 20011
$40 $483 Progressive May 7, 2025 No Washington, DC 20010
$41 $496 Progressive June 20, 2025 No Washington, DC 20011
$42 $498 Progressive June 17, 2025 No Washington, DC 20009
$42 $500 Progressive May 11, 2025 No Washington, DC 20005
$43 $516 Progressive February 16, 2025 No Washington, DC 20018
$46 $552 Progressive June 18, 2025 No Washington, DC 20018
$46 $556 Progressive April 20, 2025 No Washington, DC 20003
$46 $556 Progressive May 29, 2025 No Washington, DC 20011
Last Updated Jul 30, 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
<550 $52 $619 Dairyland 21 January 27, 2024 Washington, DC 20010
<550 $67 $801 Progressive 21 March 25, 2025 Washington, DC 20010
<550 $91 $1,086 Progressive 60 January 27, 2025 Washington, DC 20019
<550 $93 $1,112 Progressive 36 August 1, 2024 Washington, DC 20002
<550 $102 $1,218 Progressive 64 July 13, 2024 Washington, DC 20020
Last Updated Jul, 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 With No Injury $74 $890 Progressive 27 No July 17, 2024 Washington, DC 20007
At Fault With No Injury $85 $1,022 Progressive 25 No January 31, 2025 Washington, DC 20011
At Fault With No Injury $92 $1,104 Progressive 41 No May 13, 2025 Washington, DC 20011
At Fault With No Injury $93 $1,112 Progressive 36 Yes August 1, 2024 Washington, DC 20002
At Fault With Injury $94 $1,134 Progressive 32 Yes February 11, 2024 Washington, DC 20016
Last Updated Jul, 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 Policy
City, State
ZIP Code
Speeding under 15 $64 $764 Progressive 51 February 4, 2025 Washington, DC 20019
Speeding under 15 $72 $858 Progressive 62 February 24, 2025 Washington, DC 20007
Speeding under 15 $93 $1,112 Progressive 36 August 1, 2024 Washington, DC 20002
Speeding over 15 $99 $1,182 Progressive 30 May 28, 2024 Washington, DC 20008
Speeding under 15 $119 $1,424 Progressive 28 September 10, 2024 Washington, DC 20012
Last Updated Jul, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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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.

meet-experts-thumbnail
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 $85 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.