Best and Cheapest D.C. Car Insurance Companies as Rated by Customers in 2022

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#1
/28
USAA
4.72 ★★★★★
4.72 ★★★★★
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Excellent
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#2
/28
4.55 ★★★★★
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#3
/28
4.29 ★★★★★
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When you’re shopping around for car insurance in Washington, D.C., you want to make sure you’re getting the right amount of coverage at an affordable price. But you also want to find a company that treats it’s policyholders well with good customer service. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select one with the best auto insurance rates in Washington, D.C.

With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Washington, D.C. car insurance companies. It can be a little unnerving to look for an insurance quote without any prior knowledge on the subject.

In the table above, you can sort through all the Washington, D.C. car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Washington, D.C. car insurance rankings.

Interested in learning more about one of these Washington, D.C. insurance providers? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the cheapest teen car insurance rates in Washington, D.C.?

The average cost of what a driver will end up paying on their premium depends on some facets of life. Age, location, and gender can all play a part in figuring out what your average rate will be. A little further on we'll even talk about how the city you live in could determine your rates too.

Out of the five largest car insurance companies in Washington, D.C., USAA, a company only for military members and their families, is the cheapest car insurance option for both male and female teen drivers on average. The next cheapest options for teen drivers in Washington, D.C. is State Farm and GEICO.

Company Female teen ratesMale teen rates
Allstate Insurance $2,518 $3,389
Geico $2,006 $1,801
Progressive $6,133 $6,910
State Farm Insurance Company $1,782 $2,070
USAA $1,550 $1,757

These rates are based on profiles for 18-year-old male and female drivers in Washington, D.C. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Washington, D.C. will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in Washington, D.C.?

Not only can your personal 'about me' information be taken into consideration, but so can other aspects of your life. Whether or not you have a clean driving record, if you're married, and where you live; those parts of your life can also be used as content to determine your annual rate.

GEICO offers the cheapest car insurance rates for married couples in Washington, D.C. on average when compared to the largest auto insurers in the area.

Company Married couple rates
Allstate Insurance $3,264
Geico $1,080
Progressive $2,274
State Farm Insurance Company $2,423
USAA $1,296

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had one driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Washington, D.C. will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in Washington, D.C.?

No matter your age, you're going to want to focus on obtaining the most affordable rate possible for coverage. This may not be the bottom of the barrel cheapest option, but instead the company who tailors your policy specifically for you.

USAA provides the cheapest car insurance rates for male and female senior drivers on average. GEICO is second cheapest among the five largest auto insurers in the state.

Company Female senior ratesMale senior rates
Allstate Insurance $1,898 $2,063
Geico $855 $855
Progressive $1,301 $1,349
State Farm Insurance Company $1,198 $1,198
USAA $620 $629

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Washington, D.C. will differ. Rate data is provided by Quadrant Information Services.

If you live in Washington D.C. is there a minimum requirement on your auto insurance policy?

You may have heard that there are liability limits set in place with auto coverage, but it's actually true of more than just the one type of insurance. The most commonly thrown around types are collision coverage and comprehensive, but they aren't always required.

There are two auto insurance coverages required for all Washington, D.C. drivers: liability and uninsured motorist coverage. We’ve listed the minimum coverage limits associated with both of them below, but keep in mind that only purchasing the minimums could leave you underinsured.

For example, the minimum property damage liability is only $10,000, but many cars on the road are worth more than that. If you cause an accident that totals another driver’s vehicle, having higher limits would ensure you have sufficient coverage.

Car insurance in Washington, D.C. is unique in the fact that personal injury protection, also known as PIP or no-fault coverage, is optional. PIP covers your injury costs, up to the policy’s limits, after an accident, regardless of who is at fault. If you opt to have this coverage, you have 60 days after an accident to decide whether to use your PIP to cover the costs, or file a claim or lawsuit against the at-fault driver. If you decide to use your PIP, you cannot file a claim or lawsuit against the other driver.

Other optional coverages include collision, comprehensive, underinsured motorist, roadside assistance and rental reimbursement. You can learn more about these different car insurance coverages here.

Washington, D.C. minimum requirements:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $10,000 per accident

Uninsured motorist:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $5,000 per accident ($200 deductible)

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

Uninsured motorist provides coverage if you are injured or your vehicle is damaged in an accident caused by a driver without insurance or a hit-and-run driver. The uninsured motorist coverage for property damage has a $200 deductible, meaning you’re responsible for the first $200 in damage.

In Washington, D.C., 15.6 percent of drivers are without auto insurance, according to 2015 data from the Insurance Information Institute.

Are there specific factors that impact the cost of your annual premium?

When searching and comparing quotes from the best auto insurance companies in Washington, D.C., it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

As can be seen above, there are some things you can control when it comes to auto insurance costs, and others that may be out of your hand.

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

Are there ways to save money on your coverage policy?

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Washington, D.C. car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

Getting sample rates from varying insurance carriers can be a huge help, but you should also pay close attention to what they require. If an insurer has specific facets of driver profiles that they use to determine how much coverage per person you'll need, you'll want to know that you fit their mold otherwise you could end up overpaying for your auto policy.

How do Clearsurance rankings work?

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Do you still have questions?

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. It's important that you be aware of all your policy service options, including whether or not you have mandatory insurance set by where you live.

Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

You may have other questions too, regarding what coverage type you'll need, and how to find cheap rates. We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.

Frequently Asked Questions

Who offers the cheapest teen car insurance rates in Washington, D.C.?

Out of the five largest car insurance companies in Washington, D.C., USAA, a company only for military members and their families, is the cheapest car insurance option for both male and female teen drivers on average. The next cheapest options for teen drivers in Washington, D.C. is State Farm and GEICO.

Who offers the cheapest car insurance rates for a married couple in Washington, D.C.?

GEICO offers the cheapest car insurance rates for married couples in Washington, D.C. on average when compared to the largest auto insurers in the area.

Who offers the cheapest senior car insurance rates in Washington, D.C.?

USAA provides the cheapest car insurance rates for male and female senior drivers on average. GEICO is second cheapest among the five largest auto insurers in the state.

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