Searching for the cheapest auto insurance in Washington, D.C. can seem like an impossible task given the sheer number of providers to choose from. Our Geeks set out to reduce the headache of finding low cost insurance by comparing quotes from nine leading companies to find the best rates for the following driver categories:
Best Rates For Drivers With No Recent Accidents
Are you a safe driver who hasn’t caused any recent accidents? If so, you might qualify for cheap car insurance rates from State Farm.
In this segment of our study, we examined insurance quotes for males and females age 29 who had a clean accident record. Our estimates are based on 50/100/25 liability insurance coverage, which is slightly above the minimum required insurance in Washington, D.C. We also added the same amounts in uninsured motorist coverage.
Best Rates For Teen Drivers
It’s no secret that teenagers have a higher accident rate than older motorists. Insurance carriers are aware of this fact, which is why teen drivers tend to pay more for car insurance. Our analysis showed that State Farm and Allstate offer very cheap rates for teens in Washington, D.C.
Best Rates For Drivers With A DUI
If you’re tired of paying out the nose for car insurance after being convicted of DUI, consider getting quotes from one of the providers listed above. With estimated monthly premiums of $142, State Farm was identified by our Geeks as the provider with the most affordable car insurance for drivers who have faced DUI charges in Washington, D.C.
Best Rates For Senior Drivers
To find the most affordable car insurance for senior drivers in Washington, D.C., our team looked at the rates for a 65 year old who traveled 4,000 miles per year. State Farm had the lowest estimated premiums in our analysis at a rate of $91 per month.
The default driver in our study was 29 years old and commuted 12,000 miles per year. Our vehicle was a 2014 Toyota Corolla. To estimate the cheapest monthly premiums, we looked at the average rates for males and females in five D.C. zip codes. When estimating insurance rates for teenagers, we used the minimum auto insurance requirements. For all other segments, the liability limits were 50/100/25 and we added uninsured motorist coverage of the same limits.
How Much Car Insurance Are Motorists In Washington, D.C. Required to Purchase?
In Washington, D.C., all drivers must carry auto insurance coverage that meets these minimum limits:
- $25,000 In Coverage For Bodily Injuries To One Individual
- $50,000 In Coverage For Bodily Injury In One Wreck
- $10,000 In Coverage For Damage To Property
- $25,000 In Uninsured Motorist Coverage For Bodily Injury To One Individual
- $50,000 In Uninsured Motorist Coverage For Bodily Injury In One Accident
- $5,000 In Uninsured Motorist Coverage For Property Damage