Washington, D.C., our nation’s capital, is a bustling city with a high volume of traffic. Whether you’re driving yourself or others, having the right car insurance is essential to protect yourself and your vehicle. In D.C., drivers are required to carry a minimum of 25/50/10 liability insurance along with 25/50/5 in uninsured motorist protection. The average cost of full-coverage car insurance in D.C. is around $2,218 per year or $185 per month, which is slightly higher than the national average of $2,008 per year.
When it comes to choosing the best car insurance company in Washington, D.C., several factors come into play. To help you navigate the options, the MarketWatch Guides team has compiled a list of the top car insurance companies in the area. Our top picks include Erie Insurance, USAA, Geico, State Farm, and Chubb. Each of these companies offers unique coverage options, discount opportunities, and standout reasons why they are great choices for D.C. drivers.
Erie Insurance is our top choice for the best overall provider in D.C. With high customer service ratings, flexible coverage options, and affordable rates, Erie is a popular choice among drivers in the capital. They offer a range of deductibles and discounts for claim-free years, making it a cost-effective option for many drivers.
USAA is another excellent choice, especially for military members, veterans, and their eligible family members. With competitive rates, exceptional customer service, and unique coverage options like accident forgiveness, USAA stands out as a top provider in D.C.
State Farm is a good option for high-risk drivers, offering affordable rates for those with recent DUIs or speeding tickets. Their usage-based programs like Drive Safe & Save can help drivers qualify for safe driving discounts, making it a popular choice for many D.C. residents.
Geico is known for being budget-conscious, offering affordable rates for non-military drivers in D.C. While they may have below-average customer satisfaction scores, Geico’s affordability and coverage options make it a solid choice for those looking to save on car insurance.
Chubb rounds out our list with strong regional coverage and affordable rates for drivers with good credit and clean driving records. They offer unique add-ons like guaranteed car values and OEM parts for repairs, making them a popular choice among D.C. drivers.
When shopping for car insurance in Washington, D.C., it’s essential to understand the minimum insurance requirements set by the state. Drivers must carry a minimum amount of liability coverage, and it’s recommended to purchase higher limits for better protection. Consider factors like low-mileage discounts, rideshare coverage, and bundling discounts to save money on your premiums.
In conclusion, finding the best car insurance in Washington, D.C., requires research and comparison. By exploring the top providers in the area and understanding your coverage needs, you can secure the right policy for your vehicle and budget. Remember to consider factors like coverage options, discounts, and customer service when choosing a car insurance company in D.C.