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.

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.

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.

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 and comprehensive). 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.

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.

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.

Cheapest car insurance for older drivers (55+ years old)

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.

Cheapest car insurance for drivers with low credit scores in Washington, D.C.

Drivers with credit scored 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 scored below 550 were quoted in D.C.

Cheapest car insurance for drivers with at-fault accidents in Washington, D.C.

Cheapest car insurance for drivers with speeding tickets in Washington, D.C.

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS

Xuyun Zeng

Xuyun Zeng is a content strategist 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 Millerbernd

Annie is a content strategist at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.