Cheapest Car Insurance in Washington, D.C. for 2022 | Bankrate

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The cheapest car insurance in Washington, D.C.

Avoiding long commutes may be a near-impossible job for D.C. drivers, but finding low-cost coverage does not have to be. Many of the nation ’ s top providers — based on market plowshare — offer low average annual rates with good coverage, ample discounts and impregnable claims handling. Based on each company ’ s average annual rates gathered using Quadrant Information Services and extra inquiry into each of these focus points, we narrowed down the following five options for the cheapest car indemnity in Washington, D.C .

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $383 $876
Erie $438 $1,212
Geico $466 $1,420
Progressive $881 $1,601
State Farm $906 $1,994

USAA

With average minimum coverage premiums $ 321 under the capital average, USAA may be the best carrier for the cheapest car policy in Washington, D.C. The area is home to ten military bases, making the insurance company a viable option for active-duty military, veterans and immediate family members who qualify for coverage. In addition to savings options while on deployment or by maintaining USAA coverage for an extended sum of time, drivers may besides enroll in USAA ’ s brand fresh safe-driving plan. With SafePilot, policyholders could earn up to 10 % by signing up and up to 30 % at policy reclamation. As another standout timbre, USAA systematically earns the highest J.D. Power scores for customer satisfaction. The most holocene 2020 J.D. Power Claims Satisfaction Study is no exception, though USAA is technically rank-ineligible due to its membership requirements. silent, for qualifying D.C. customers, the exclusive coverage and low-cost rates might make USAA a top option. Learn more: USAA Insurance review

Erie

In addition to offering the lowest annual premiums for all drivers in cover states without membership requirements, one of Erie ’ s top-selling features is Erie RateLock. With it, drivers can lock in their agio to avoid rate increases, even in the event of a claim. deoxyadenosine monophosphate long as the register address, cover vehicles and drivers remain unaltered, so will the bounty. This choice may even make the appeal of purchasing extra coverages, like personal items, more appeal since premiums will entirely be adjusted to reflect the accessory. With an A+ ( Superior ) AM Best rating, D.C. policyholders may have heightened confidence in the insurance company ’ s ability to make timely claim payouts. This entirely far adds to the likelihood of having a positive policy experience.

Learn more: Erie Insurance recapitulation

Geico

regardless of what kind of driver you are, Geico has options. It is one of the few insurers that offer military discounts, a well as a host of other ones that are relatively simple to qualify for. For example, drivers who are associated with one of Geico ’ s more than 500 group partnerships could earn a particular dismiss. There are besides multiple discounts under the customer commitment, driver ’ second education, driving history and vehicle equipment categories. Drivers may be amazed that they can find cheap car insurance with D.C. ’ second largest individual passenger aircraft carrier, but it is possible with Geico. While coverage tends to be basic, there are options like mechanical breakdown policy. Learn more: Geico Insurance review

Progressive

much like its identify, Progressive offers multiple utilitarian on-line and digital tools for car policy. many drivers have a budget in mind when selecting coverage, which Progressive helps make easier with its Name Your Price instrument. Customers who use it can share how much they are looking to pay and be returned coverage options that fit their insurance needs and budget angstrom good as potential. There is besides progressive Snapshot, which could save drivers an average of $ 146 per year on premiums with traverse dependable driving habits. In addition to options like rideshare coverage and a deductible savings bank for policy periods completed without new claims, drivers insured with Progressive may well view their policy and report claims on the proceed through its mobile app. Learn more: Progressive Insurance review

State Farm

Although offering coverage at more expensive rates than the capital ’ south average, State Farm is the second-largest individual passenger insurance company in the D.C. area. This could allude to D.C. driver ’ s trust in the mailman to provide allow coverage, potentially justifying the higher monetary value. State Farm besides ranks highly in claims atonement in the 2020 J.D. Power Auto Claims Satisfaction Study, with 881 out of 1,000 points. To reduce premiums, drivers could apply one or more of State Farm ’ mho available discounts, such as insuring a vehicle equipped with safety measures and completing an approve drive course. The insurance company does not have many options for add-ons, but drivers who want a more full-bodied policy could opt for full moon coverage and purchase wayside aid for extra protection. Learn more: State Farm Insurance revue

Minimum coverage requirements for Washington, D.C. drivers

Like in most states, Washington, D.C., drivers are required to carry at least a minimal come of cable car insurance when operating a vehicle. Because D.C. is a no-fault area, personal wound protection ( PIP ) must besides be offered by insurers, though drivers have the option to waive the coverage. The remaining 25/50/10 limits account for :

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

additionally, drivers must carry at least the same amounts of uninsured motorist coverage as bodily injury liability. For property damage, uninsured motorist coverage of at least $ 5,000 must be included, with a $ 200 deductible. Drivers who purchase minimum coverage policy typically pay some of the lowest premiums. however, most drivers benefit from getting more coverage than what is required. While there is no guarantee that full moon coverage will cover the full moon price of an at-fault accident, the higher coverage limits provide extra fiscal backing and coverage for wrong to your own vehicle. relatively, minimum coverage is much not enough to in full satisfy the monetary value of an at-fault accident. If a driver causes an accident and their fiscal responsibility is higher than their policy ’ south specify, they must pay the difference out of pocket. Drivers of lease vehicles may be required to purchase entire coverage by their lender .

How to get cheap car insurance in Washington, D.C.

To help obtain cheap cable car policy, Washington, D.C., drivers can employ a kind of techniques. Some park options ways to save are :

  • Shop around: Not all car insurance companies are created equal. Instead of choosing the first provider you find, spend some time researching and comparing quotes from different companies based on your personal criteria.
  • Increase the deductible: The higher your deductible is, the lower your monthly payments will be. However, this also results in a higher out-of-pocket cost in the event of a claim. Most insurance experts recommend that policyholders only increase their deductible if they can afford the increased personal expense.
  • Pay in full: Many car insurance carriers offer discounts for drivers who can pay their annual policy in full and upfront.
  • Apply discounts: Many insurers have a list of discounts. To earn the most savings, consider insurers that offer several discounts for which you qualify.

Frequently asked questions

What is the best car insurance in Washington, D.C.?

There are dozens of car insurance companies in Washington D.C. Drivers should consider shopping approximately and comparing providers to find the company that meets their needs and fits within their budget. The best car policy company will vary for each driver .

What is the average cost of car insurance in the U.S.?

The average american driver pays $ ,1674 a year for a entire coverage cable car indemnity policy. In Washington D.C., the average driver pays $ 1,855 annually for the same measure of policy, which is well higher. Generally speaking, most drivers in Washington, D.C., pay more for car insurance than the modal driver in the United States. This is likely due in depart to heavy dealings congestion and high rates of car accidents in Washington, D.C. however, your own rates may fall outside of the average based on your drive commemorate and age, among early factors .

What does full coverage car insurance include?

Full coverage car insurance normally includes indebtedness, uninsured and underinsured motorists coverage, aesculapian payments, collision and comprehensive ( sometimes called “ early than collision ” ) coverages. Some indemnity companies besides offer endorsements like wayside aid or rental car reimbursement with broad coverage policies .

What is the likelihood of an insurance claim in Washington, D.C.?

Since January 2021, accidents in Washington, D.C., have led to 133 major injuries and 17 fatalities. many of these probably led to dearly-won policy claims and lawsuits, making the purchase of appropriate and low-cost coverage fabulously meaningful. While car policy can not prevent major accidents from occurring, it can provide the necessity fiscal aid to deal with cover receive losses with minimal personal fiscal sift.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a houseclean drive phonograph record, good credit and the follow full coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state ’ south requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a workweek and drive 12,000 miles per annum. These are sample rates and should lone be used for relative purposes .

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