Car Insurance in District Of Columbia

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Table of Contents
  • How Much is Car Insurance in District Of Columbia?
  • Real Quotes for Jerry.ai Customers in District Of Columbia
  • The Cheapest Car Insurance in District Of Columbia
  • Most Popular Insurance Companies in District Of Columbia
  • Cost to Insure Different Cars in District Of Columbia
  • Car Insurance Laws in District Of Columbia
  • Car Registration Information in District Of Columbia

Looking for car insurance in Washington, D.C.? Here you’ll find all the information you need on driving a car in The Gem State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Capital Hill or Georgetown, Dupont Circle or East End— you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Washington, D.C. auto insurance.

How Much is Car Insurance in District Of Columbia?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in District Of Columbia, here’s what you should know about how much you’ll pay for insurance: On average, drivers in District Of Columbia pay $2,771.88 each year for car insurance. This means drivers in District Of Columbia pay 9% below the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.

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What’s Your Rate?

But how do you know what policy is right for you in District Of Columbia? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in District Of Columbia, but also on your credit score, marital status, the kind of car you own, and much more.

Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.

The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in District Of Columbia

CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-02-09
  • Ford Explorer Limited
44 year old femaleTravelers$120.83$29.17Standard
2021-02-10
  • Audi Q7 Premium Plus
25 year old maleProgressive$50.67$109.33Basic
2020-12-26
  • Honda Civic Ex
29 year old maleProgressive$119$39Standard
2021-02-19
  • Kia Optima Lx
25 year old femaleProgressive$103.50$278.50Basic
2020-11-25
  • Dodge Journey Se
  • Honda Accord Dx
41 year old maleProgressive$232.67$17.33Preferred

The Cheapest Car Insurance in District Of Columbia

Which companies offer cheap car insurance in District Of Columbia? Below, we’ve ranked District Of Columbia car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.

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Cheapest Car Insurance in District Of Columbia for Basic Coverage

There’s all kinds of auto insurance you can get in District Of Columbia, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by District Of Columbia. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in District Of Columbia, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in District Of Columbia

Filters
RankCompany nameAvg. Annual Premium
1Progressive$1,194.68

Real Jerry Quotes for Basic Coverage in District Of Columbia

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-02-19
  • Kia Optima Lx
25 year old femaleProgressive$103.50$278.50
2021-02-17
  • Infiniti Q50 Luxe
41 year old femaleProgressive$58.50$70.67
2021-01-02
  • Honda Cr-v Ex
34 year old femaleProgressive$61.67$48.33
2020-12-26
  • Honda Cr-v Exl
27 year old maleProgressive$110.17$109.83
2020-11-30
  • Hyundai Elantra Sel
  • Hyundai Tucson Limited
32 year old femaleProgressive$105$93

Average Cheapest Car Insurance for Standard Plans in District Of Columbia

Most drivers will want more than the basic minimum coverage that District Of Columbia requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.

Below you’ll find the average price drivers are paying for standard insurance coverage in District Of Columbia, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in District Of Columbia

Filters
RankCompany nameAvg. Annual Premium
1Progressive$1,777.15
2Travelers$2,052.85

Real Jerry Quotes for Standard Coverage in District Of Columbia

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2020-11-29
  • Kia Optima Lx
25 year old femaleProgressive$206.33$175.67
2020-11-22
  • Kia Sorento L
29 year old femaleTravelers$131.58$142.42
2021-02-05
  • Toyota Camry L
62 year old maleProgressive$57.33$19.50
2021-01-03
  • Nissan Versa S
40 year old femaleTravelers$178.17$54.83
2021-01-02
  • Infiniti Q50 Base
23 year old femaleProgressive$252.67$97.33

Cheapest Car Insurance in District Of Columbia for Preferred Coverage

Preferred coverage protects District Of Columbia drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.

We were able to look at the average price drivers are paying for preferred insurance coverage in District Of Columbia, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in District Of Columbia

Filters
RankCompany nameAvg. Annual Premium
1Progressive$2,048.17
2Travelers$2,221.98

Real Jerry Quotes for Preferred Coverage in District Of Columbia

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2020-11-18
  • Audi A5 Premium Plus
23 year old maleProgressive$214.17$19.61
2021-02-05
  • Dodge Charger Se
34 year old maleProgressive$217.67$267.33
2021-02-07
  • Honda Pilot Touring
  • Nissan Altima Sl
58 year old maleTravelers$333.92$90.08
2020-12-28
  • Honda Cr-v Exl
27 year old maleProgressive$164.83$55.17
2020-12-29
  • Infiniti G35
43 year old maleTravelers$142.92$257.08
Insurance companyAverage annual premium in District Of Columbia
Progressive$2,050.67
Travelers$1,313.50

Cost to Insure Different Cars in District Of Columbia

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for District Of Columbia drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in District Of Columbia. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-02-21
  • Acura TLX
51 year old maleTravelers$125.50$27.50Preferred
2021-02-02
  • Honda Accord Exl
31 year old femaleProgressive$67.67$47.33Basic
2020-12-20
  • Honda Civic Si
23 year old maleProgressive$149.50$32.50Basic
2021-02-25
  • Honda Civic Exl
33 year old maleProgressive$50.67$69.33Basic
2020-11-27
  • Infiniti G37
22 year old femaleProgressive$367.50$219.50Preferred
2021-01-14
  • BMW X1 Xdrive28i
41 year old femaleProgressive$88.67$23.33Preferred
2020-12-19
  • Volkswagen Cc Luxury
59 year old femaleProgressive$152.67$54.33Preferred

Car Insurance Laws in District Of Columbia

At 68.34 square miles, Washington, D.C., is a tiny fraction of the size of any other district or state in the U.S., but it holds outsized importance because of its status as the nation’s capital. Although the District of Columbia is small in size, drivers still need to have minimum insurance to legally operate on the roadways. Here’s what you need to know regarding minimum auto insurance coverage and vehicle registration in Washington, D.C.

What Car Insurance Is Required by Law in Washington, D.C.?

In order to register a vehicle in the District of Columbia, you must have valid car insurance that meets minimum standards. The same limits apply for anyone seeking a reciprocity permit (i.e., a permanent resident of another state with reciprocal residency privileges in D.C.). Minimum coverage includes four types of insurance: [Property Damage Liability (PDL)](https://getjerry.com/advice/all-about-property-damage-liability-car-insurance-by-brady-klopfer, Third Party Liability, Uninsured Motorist Bodily Injury Coverage (BIL), and Uninsured Motorist Property Damage.

Because D.C. is a no-fault district, anyone who gets into an accident deals with their own insurance provider first rather than seeking compensation from the other party’s insurer, regardless of who caused the accident. If coverage isn’t sufficient, then you can sue the other driver for additional losses you experience.

Optional coverage you should consider in D.C. is Personal Injury Protection (PIP) insurance. Although it is optional to purchase, insurers are legally required to offer it. With PIP coverage, you can receive timely medical attention for medical bills, ambulance transportation, prescriptions, and even lost wages.

Property Damage Liability coverage is mandatory and helps compensate for property damage that occurs if you are to blame for an accident. It covers almost anything aside from your vehicle: utility poles, residences or businesses damaged, city property, and other cars, for example.

If the other driver in an accident doesn’t have insurance, D.C.’s mandatory Uninsured Motorist Bodily Injury Coverage pays for medical bills above and beyond your policy limits. Likewise, Uninsured Motorist Property Damage Liability provides coverage for over-limit damage when the other person doesn’t have insurance.

Can You Drive a Car without Insurance in Washington, D.C.?

In D.C., you will be asked for proof of insurance during traffic stops. You must have proof of insurance that shows you have minimum coverage to operate in the district. A first offence carries a penalty of either a $500 fine, a 30-day license suspension, or both.

Subsequent offenses add a 50% increase to the fine each time, and license suspensions can increase to 60 days. You may be required to obtain an SR-22 form that proves you carry mandatory insurance for three years. Although the form is usually just $15 or so, your insurance premiums are likely to increase significantly.

What Are the Minimum Car Insurance Requirements in D.C.?

Drivers in D.C. must maintain minimum coverage amounts for car insurance amounts continuously. Not only does this protect you and your passengers, but it provides bystanders and property owners with protection from costs associated with an accident.

Minimum Insurance Requirements in DC

  • Bodily injury liability (third party liability): $25,000 per person, $50,000 per accident
  • Property damage liability: $10,000
  • Uninsured motorist bodily injury: $25,000 per person, $50,000 per accident
  • Uninsured motorist property damage: $5,000

Car Registration Information in District Of Columbia

In Washington, D.C., you must either have your vehicle registered or possess a reciprocity permit when you live and drive in the district. Without a reciprocity permit, you must register a car within 30 days of moving to the District of Columbia. Registration must be preceded by exchanging your out-of-state drivers license with a D.C. resident license.

Initial registration must be done at a D.C. DMV service center, where you’ll be issued new license plates or tags. You’re required to have one plate mounted on the front and one on the rear of your vehicle at all times. Your initial registration fee is just the annual registration cost, ranging from $72 to $155 per year depending on the vehicle weight.

Within 60 days of your registration’s expiry date, you’ll receive a renewal notice either by email or mail. You can complete your renewal online using D.C.’s DMV online portal service and providing your tag number, the last four numbers of your vehicle identification number, selecting either a one- or two-year term, and submitting your email address.

Alternatively, you can renew your registration by mail to one of the district’s DMV service centers.

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