Cheapest car insurance companies in Washington Navy Yard 

Geico and Progressive have the cheapest car insurance premiums for Washington Navy Yard drivers in 2023, based on a data study by Insurance.com. 

Geico has the cheapest car insurance rates in Washington Navy Yard at an average cost of $1,408 per year.

Car insurance costs may vary in Washington Navy Yard based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Washington Navy Yard.

CompaniesAverage annual rates
USAA$1,230
Geico$1,408
Progressive$1,488
Erie Insurance$1,581
State Farm$2,426
Nationwide$2,558
Chubb Ltd$2,799
Allstate$3,769

Cheapest car insurance cost in Washington Navy Yard by Age Group 

The cheapest auto insurance company in Washington Navy Yard for teen drivers is Erie Insurance. For full coverage, its average annual rate for Washington Navy Yard drivers is $3,212. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance. 

Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance. 

Among the carriers analyzed, USAA is the cheapest car insurance option for drivers in Washington Navy Yard, at $1,875 a year for a full coverage policy.

Drivers in Washington Navy Yard stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. USAA has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $1,243 a year

USAA is the cheapest option for senior drivers in Washington Navy Yard, with an average premium of $1,319 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis. 

CompanyTeensYoung AdultsAdultsSeniors
Erie Insurance$3,212$2,491$1,599$1,680
USAA$4,029$1,875$1,243$1,319
Geico$4,991$2,428$1,476$1,520
Progressive$6,595$2,477$1,482$1,568
Nationwide$6,865$3,921$2,515$2,569
Chubb Ltd$6,867$4,640$2,814$2,839
State Farm$7,455$4,173$2,449$2,373
Allstate$8,674$5,200$3,740$3,905

Cheapest car insurance companies in Washington Navy Yard by driver profile 

When determining car insurance rates in Washington Navy Yard, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.

It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Washington Navy Yard that suits your budget. 

Here are some of the cheapest car insurance companies in Washington Navy Yard based on driver profile. 

If you're a Washington Navy Yard driver with poor credit, Geico is the cheapest car insurance company for you, based on Insurance.com's in-depth data analysis. It offers a full-coverage car insurance policy at an average cost of $2,078 annually

Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Washington Navy Yard.

CompanyAverage annual rates
Geico$2,078
Progressive$2,400
USAA$2,489
Nationwide$3,469
State Farm$3,812
Allstate$5,203

USAA has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Washington Navy Yard. Its full coverage car insurance policy costs an average of $1,532 per year for drivers aged 30. 

Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs. 

CompanyAverage annual premium
USAA$1,532
Geico$1,801
Progressive$1,951
State Farm$1,984
Nationwide$3,269
Allstate$4,468

Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.

In a recent data analysis, Insurance.com found that USAA offers the cheapest car insurance rates for Washington Navy Yard drivers with at-fault accidents. It provides coverage at an average annual cost of $2,066.

CompanyAverage annual rates
USAA$2,066
Geico$2,112
State Farm$2,153
Progressive$3,157
Nationwide$3,694
Allstate$5,534

In Washington Navy Yard, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $1,984 a year

A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.

CompanyAverage annual rates
State Farm$1,984
USAA$2,205
Progressive$2,308
Geico$2,518
Nationwide$5,342
Allstate$5,574

Average car insurance cost in Washington Navy Yard 

In Washington Navy Yard, the annual cost of car insurance for the coverage level of 100/300/100 is $2,157 or around $180 per month. However, the average yearly rate for state minimum coverage in Washington Navy Yard is $558.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies. 

Average annual RatesState minimum average
$2,157$558

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.