From the fashionable retailers of Georgetown to Anacostia’s historic streets, the District of Columbia is all the time a taking place place. Whereas this makes life thrilling for D.C. residents, it additionally results in some fairly steep automobile insurance coverage charges.
Thankfully, our group has ranked the most effective auto insurance coverage suppliers in the US, and now we’ve centered our analysis to carry you our prime suggestions within the District of Columbia. To start your seek for the most effective low-cost automobile insurance coverage in D.C., use the free instrument under to obtain personalised quotes from a few of the metropolis’s top-rated suppliers.
On this article:
5 Greatest Automotive Insurance coverage Corporations In Washington, D.C.
We recognized the District of Columbia’s prime 5 selections for affordable automobile insurance coverage by evaluating common price knowledge and J.D. Energy satisfaction scores. The outcomes are under:
*You could discover that some automobile insurance coverage firms are ranked above these with greater star scores. It’s because our star scores keep in mind nationwide elements, whereas our rating appears to be like particularly at what insurance coverage suppliers are greatest for automobile insurance coverage in Washington, D.C.
In case you’re a part of a navy household in Washington, D.C., it is best to think about a coverage with USAA. The supplier’s stable efficiency stretches throughout the board, from receiving the very best customer support rating on the J.D. Energy 2021 U.S. Auto Insurance coverage ExamineSM to the truth that it provides the bottom common premiums within the District of Columbia.
Although USAA provides glorious selections for its members, it’s obtainable solely to navy members, veterans, and their rapid households.
| USAA Execs | USAA Cons |
|---|---|
| Good choice for navy members | Solely obtainable for navy members and their households |
| Reasonably priced charges and quite a few reductions | |
| Superior customer support |
Learn our full USAA automobile insurance coverage evaluation to be taught extra concerning the firm’s eligibility necessities.
Geico, our prime supplier for affordable automobile insurance coverage within the U.S., can be a powerful selection for these within the nation’s capital. The corporate boasts an A++ score for monetary energy from AM Greatest, that means your protection is safe with the corporate. Simply as vital, Geico acquired an A+ score from the Higher Enterprise Bureau (BBB) for its concentrate on customer support.
Geico provides aggressive charges to residents of Washington, D.C., with a median yearly premium that’s almost $800 cheaper than the District of Columbia’s imply. With wide-ranging automobile insurance coverage and top-notch service, Geico’s protection is value contemplating.
| Geico Execs | Geico Cons |
|---|---|
| Many protection choices | Common quote expertise |
| Excessive degree of buyer satisfaction | Utilization-based app not obtainable in all states |
| Aggressive pricing |
Our full Geico auto insurance coverage evaluation comprises extra details about America’s second-largest automobile insurance coverage supplier.
In case you’re looking for the most effective low-cost automobile insurance coverage in D.C., State Farm makes for a compelling selection. The corporate covers all of the bases, from an A++ score for monetary energy from AM Greatest to an above-average buyer satisfaction rating within the J.D. Energy 2021 U.S. Auto Insurance coverage ExamineSM.
To prime it off, State Farm has affordable premiums in comparison with most auto insurance coverage suppliers in Washington, D.C. The corporate can be recognized for its markdowns that profit pupil drivers, together with accident-free reductions and decrease costs for secure driving habits.
| State Farm Execs | State Farm Cons |
|---|---|
| Largest auto insurer within the nation | Barely greater charges on common |
| Many reductions for school college students and teenagers | |
| A++ monetary score |
Take a look at our full State Farm auto insurance coverage evaluation to find extra advantages supplied by the supplier.
Erie could not have the most important title within the enterprise, however it does provide a few of the greatest low-cost automobile insurance coverage in D.C. The supplier combines the third-cheapest common charges within the District of Columbia with an acclaimed popularity throughout the mid-Atlantic for customer support.
Erie holds an A+ score from each AM Greatest for monetary energy and the BBB. Clients are typically fairly pleased with this underrated supplier and its many customizable and cost-effective protection plans.
| Erie Execs | Erie Cons |
|---|---|
| Excessive buyer satisfaction | Blended customer support critiques throughout claims course of |
| Low cost charges and varied reductions | |
| Simply customizable plans |
Click on on our full Erie auto insurance coverage evaluation to be taught whether or not it’s the appropriate firm in your wants.
Excessive-risk drivers usually face steep automobile insurance coverage charges and don’t know the place to show for assist. We advocate that they get a quote from Progressive. The supplier provides an accident forgiveness program and is understood for its willingness to insure prospects with dangerous driving data.
Progressive can be a extremely dependable firm, with an A+ score for monetary well being from AM Greatest in addition to an A+ score from the BBB. Progressive’s profitable mixture of accessibility and advantages makes it choice to contemplate in your seek for the most effective low-cost automobile insurance coverage in Washington, D.C.
| Progressive Execs | Progressive Cons |
|---|---|
| Sensible choice for high-risk drivers | Common buyer satisfaction |
| Simple automobile insurance coverage quote course of | Barely greater charges on common |
| Sturdy monetary energy score |
Get extra particulars to simplify your resolution in our full Progressive automobile insurance coverage evaluation.
Washington, D.C., Automotive Insurance coverage Necessities
The District of Columbia has minimal automobile insurance coverage requirements that differ barely from these of surrounding states. Legal guidelines in Washington, D.C., mandate that each one drivers carry at the least:
- $25,000 bodily damage legal responsibility protection per individual
- $50,000 bodily damage legal responsibility protection per accident
- $10,000 property injury legal responsibility protection
- $25,000 uninsured motorist bodily damage protection per individual
- $50,000 uninsured motorist bodily damage protection per accident
- $5,000 uninsured motorist property injury protection ($200 deductible)
Legal responsibility insurance coverage covers the prices paid out to others whenever you trigger a automobile accident.
Uninsured motorist protection pays for damages brought on by those that illegally drive with out insurance coverage and might’t cowl the prices from their crash.
Washington, D.C., is a “no-fault” auto insurance coverage territory, that means that your individual supplier pays for damages from an accident no matter who brought on it. Nevertheless, the District of Columbia differs from different no-fault states in that it doesn’t require drivers to have private damage safety (PIP) protection.
Although intensive minimal protection necessities apply in Washington, D.C., many drivers really feel safer with full protection insurance policies. Elective sorts of auto insurance coverage comparable to collision protection, complete protection, and PIP protection provide drivers higher peace of thoughts on the street.
Price of Washington, D.C., Automotive Insurance coverage
Our fee estimates discovered {that a} 35-year-old driver in Washington, D.C., with a clear driving document and good credit score rating pays about $1,812 per yr on auto insurance coverage. The typical U.S. annual premium is $1,732, so count on to pay extra even for an inexpensive automobile insurance coverage coverage within the District of Columbia.
Our group evaluated various elements that have an effect on automobile insurance coverage prices that can assist you know what to anticipate as you seek for the most effective low-cost automobile insurance coverage in D.C.
| Automotive Insurance coverage Firm | Washington, D.C., Annual Automotive Insurance coverage Price |
|---|---|
| Allstate | $3,133 |
| Erie | $1,557 |
| Geico | $1,031 |
| Nationwide | $2,538 |
| Progressive | $1,741 |
| State Farm | $1,569 |
| USAA | $812 |
Males pay barely extra on common than ladies for automobile insurance coverage in Washington, D.C.
| Gender | Washington, D.C., Annual Automotive Insurance coverage Price |
|---|---|
| Feminine | $1,795 |
| Male | $1,829 |
Discovering the most effective low-cost automobile insurance coverage in Washington, D.C., turns into way more troublesome you probably have poor credit score. Anticipate charges to extend by a whole lot – if not 1000’s – of {dollars} as your credit standing drops.
| Credit score Ranking | Washington, D.C., Annual Automotive Insurance coverage Price |
|---|---|
| Good | $1,812 |
| Truthful | $2,206 |
| Poor | $3,238 |
In case you’re seeking to preserve your auto insurance coverage charges low, make certain to drive responsibly. Inflicting an accident and getting a DUI violation are two methods to make your premiums skyrocket as a consequence of a poor driving historical past.
| Driving File | Washington, D.C., Annual Automotive Insurance coverage Price |
|---|---|
| Clear | $1,812 |
| Dashing Ticket | $2,123 |
| At-Fault Accident | $2,572 |
| DUI | $3,018 |
What To Know About Driving In Washington, D.C.
D.C. drivers common about 7,000 miles on the street per yr, the bottom fee within the nation. Twenty-three automobile fatalities occurred within the District of Columbia in 2019, popping out to a fee of three.3 deaths per 100,000 individuals. As soon as once more, that is the bottom fee within the U.S., the place the nationwide common is 11 automobile fatalities per 100,000 individuals.
From these numbers, street security could look like a breeze within the District of Columbia. It’s not. With a maze of streets, numerous pedestrian crossings, and confused guests navigating town, Washington, D.C., generally is a bewildering place to drive. Keep secure by avoiding dangerous driving behaviors and guaranteeing you’re protected with high quality auto insurance coverage protection.
Remaining Ideas
There’s no method round it – auto insurance coverage prices a fairly penny in our nation’s capital. Fortunately, USAA, Geico, State Farm, Erie, and Progressive provide high quality protection at a few of the greatest charges in Washington, D.C.
The easiest way to search out auto insurance coverage that fits your private wants is by evaluating quotes from a number of suppliers. Take a look at our free instrument under to begin weighing your protection choices from the most effective low-cost automobile insurance coverage firms in D.C.
Methodology
In an effort to supply correct and unbiased info to customers, our skilled evaluation group collects knowledge from dozens of auto insurance coverage suppliers to formulate rankings of the most effective insurers. Corporations obtain a rating in every of the next classes, in addition to an general weighted rating out of 5.0 stars.
- Trade Standing: Insurers with sturdy monetary scores and customer-first enterprise practices obtain the very best scores on this class.
- Availability: We think about availability by state in addition to exclusions for particular teams of drivers.
- Protection: This score relies on sorts of insurance coverage obtainable, most protection limits, and add-on insurance policies.
- Price and Reductions: Our analysis group critiques auto insurance coverage fee estimates generated by Quadrant Data Companies for a wide range of drivers in each state. Corporations with decrease costs and lots of automobile insurance coverage low cost alternatives obtain the most effective scores.
- Buyer Service: We comb by way of buyer critiques and client suggestions research from specialists like J.D. Energy.
- Know-how: Auto insurers with cellular apps, superior on-line providers and telematics usually tend to meet client wants.
