Cheapest Car Insurance In Washington, DC 2024
In Washington, GEICO provides minimum coverage car insurance at the low price of $37 a month, making it the cheapest choice.
We’ve saved shoppers an average of $600 per year on their car insurance.
When looking for the cheapest auto insurance in Washington, DC, you’ll find a lot of different choices.
If you’re looking for the cheapest liability-only coverage, GEICO is the best option. Progressive, however, has the most competitive rates for full coverage, and State Farm leads with affordable options for young drivers.
Cheapest Car Insurance Companies In Washington, DC 2024
Cheapest Liability-only Car Insurance In Washington: Cincinnati
GEICO provides the lowest-cost minimum coverage car insurance in Washington, with a monthly average of $37.
Use the following table to evaluate pricing across different car insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Travelers | $41 | $490 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Cheapest Full Coverage Insurance Rates In Washington: Auto-Owners
In Washington, Progressive provides the most affordable full coverage car insurance, averaging $92 a month.
Use the table below to compare typical auto insurance quotes from affordable insurers in Washington.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $73 | $871 |
| Cincinnati | $80 | $962 |
| Nationwide | $74 | $884 |
| Shelter | $92 | $1,107 |
| Allstate | $124 | $1,490 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
For seniors in Washington, State Farm provides the most affordable car insurance, averaging $87 a month.
Below is a table showing average quotes from the cheapest car insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $68 | $814 |
| State Farm | $86 | $1,036 |
| Allstate | $133 | $1,590 |
| Shelter | $95 | $1,135 |
| GEICO | $112 | $1,344 |
Cheapest Rates In Washington For Teenagers: Nationwide
State Farm offers the most affordable car insurance for teenage drivers in Washington, with monthly premiums averaging $313.
Below is a table showing the insurers with the cheapest rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $155 | $1,865 |
| State Farm | $176 | $2,109 |
| Allstate | $167 | $2,007 |
| Travelers | $198 | $2,370 |
| Auto-Owners | $243 | $2,913 |
Cheapest Auto Insurance For Young Adults in Washington: Travelers
State Farm offers the most affordable insurance for young adults in Washington, averaging $238 per month.
Use the table below to review the most affordable auto insurance rates in Washington for young adults.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $91 | $1,092 |
| State Farm | $119 | $1,422 |
| Nationwide | $99 | $1,192 |
| Auto-Owners | $100 | $1,197 |
| Allstate | $130 | $1,560 |
Cheapest Car Insurance In Washington For Good Drivers: Cincinnati
Good drivers in Washington can secure the most affordable car insurance from GEICO, with average premiums of $37 a month.
For good drivers, the table below displays average quotes from the most affordable insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Shelter | $48 | $576 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Find affordable Washington rates
Cheapest Car Insurance In Washington After A Speeding Ticket: Auto-Owners
State Farm provides some of the cheapest rates in Washington, with an average premium of $176 per month for drivers who have a speeding ticket.
Use the table below to view average rates for drivers who have a speeding ticket on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $80 | $964 |
| State Farm | $107 | $1,280 |
| Cincinnati Insurance | $95 | $1,140 |
| Allstate | $148 | $1,772 |
| Progressive | $136 | $1,632 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
For drivers with an at-fault incident, State Farm offers the most affordable car insurance, with average premiums of $193 per month.
The following are the car insurance providers with the cheapest rates for drivers who have an at-fault incident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $99 | $1,197 |
| Cincinnati Insurance | $167 | $2,004 |
| State Farm | $116 | $1,391 |
| GEICO | $217 | $2,600 |
| Progressive | $124 | $1,490 |
Cheapest Rates In Washington For Drivers After A DUI: State Farm
For drivers with a DUI, State Farm provides the most affordable car insurance in Washington, averaging $188 per month.
Drivers in Washington who have a DUI can find the most affordable rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $107 | $1,282 |
| Nationwide | $138 | $1,657 |
| Allstate | $166 | $1,992 |
| Auto-Owners | $171 | $2,051 |
| Cincinnati | $213 | $2,555 |
Best Car Insurance Companies In Washington
AAA provides the cheapest insurance in Washington, with premiums starting at $83 per month. Progressive and GEICO are also good options, with rates of $90 and $93, respectively.
The table below shows the top 10 car insurance companies in Washington, DC, ordered by the average monthly premium they offer.
| Company | Monthly Premium |
| Cincinnati Insurance | $30 |
| Kentucky Farm Bureau | $39 |
| Travelers | $41 |
| Auto-Owners | $37 |
| State Farm | $50 |
| Nationwide | $43 |
| Allstate | $76 |
| GEICO | $53 |
| Shelter | $50 |
| Westfield | $62 |
| Grange Insurance | $89 |
Average Auto Insurance Rates In Washington – By Age
One of the main factors influencing car insurance rates is age. Younger drivers often face higher premiums due to their lack of experience and greater risk of accidents. Teenagers typically pay around $7,599 per year for coverage.
Insurance premiums generally begin to lower for drivers at age 25, as long as they keep a spotless driving record.
Insurance rates tend to be most affordable for drivers in their 50s and early 60s. This is because insurers consider age when assessing experience and risk, which influences the premium price.
| Age | Average Yearly Rate |
| Teenagers | $4,080 |
| 20s | $2,100 |
| 30s | $1,704 |
| 40s | $1,500 |
| 50s | $1,370 |
| 60s | $1,440 |
| 70s | $1,632 |
Average Rates In Washington – By Vehicle
Your vehicle’s make, model, year, and body type significantly impact your insurance rates. Newer cars, particularly luxury ones with cutting-edge technology and higher replacement values, typically have more expensive premiums.
Use the table below to compare average insurance rates for different vehicles in Washington.
| Vehicle | Average Monthly Rate |
| Hyundai Sonata | $970 |
| Audi A3 | $129 |
| Toyota Prius | $192 |
| Chevrolet Equinox | $360 |
| Kia Optima | $460 |
Average Cost Of Auto Insurance In Washington – By Zip Code
Zip codes play a role in helping insurance companies evaluate local crime rates, leading to different car insurance premiums based on your area.
Use the table below to compare average insurance rates across different Washington zip codes.
| Zip Code | Average Monthly Rate |
| 40509 | $153 |
| 40511 | $130 |
| 40516 | $105 |
| 40504 | $124 |
| 40515 | $165 |
How Much Is Car Insurance In Other Cities in District of Columbia ?
Your city of residence has a major impact on your car insurance rates. Insurers consider factors like accident frequency, vehicle theft, and vandalism, which are typically higher in urban areas, resulting in elevated premiums.
For instance, drivers in Los Angeles can expect to pay approximately $243 monthly for car insurance, whereas in San Diego, the average is about $176.
| City | Average Monthly Rate |
| Bowling Green | $135 |
| Newport | $133 |
| Owensboro | $142 |
| Danville | $158 |
| Versailles | $98 |
| Somerset | $125 |
| Covington | $127 |
| Ashland | $115 |
| Richmond | $130 |
| Frankfort | $128 |
Find affordable Washington rates
Our Methodology
Based on a thorough review of factors like customer service, available products, pricing, and user feedback from multiple review sites, I’ve compiled a comprehensive guide to car insurance providers in Washington, DC.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Washington?
In Washington, GEICO provides the lowest rates for the state’s minimum required coverage, and Progressive offers the most competitive prices for full coverage with comprehensive and collision benefits.
What is the average cost of car insurance in Washington?
On average, Washington drivers pay about $180 per month for car insurance, but your rate will depend on factors such as your zip code, car year and model, and driving record.
