Washington D.C. government car insurance for low-income drivers

There is no government-run car insurance program for low-income drivers in Washington D.C.. Only a handful of states (California, Hawaii and New Jersey) have such a program.

In Washington D.C., low-income drivers must still carry the minimum amount of car insurance. The best way to find it on a budget is to shop around.

Washington D.C. minimum car insurance requirements

The minimum car insurance requirements in Washington D.C. are as follows:

Minimum liability coverage limitsAverage annual premiumOther types of insurance required (if any)
25/50/10$558UMBI and UMPD
Data updated in 2024
Read our full methodology

Remember that if you have a loan on your car, you’re required to carry full coverage, which includes collision and comprehensive.

Best low income car insurance in Washington D.C.

People on a tight budget still deserve great service from their car insurance company. We gathered the data on the top car insurance companies in Washington D.C. and compared them on rates for state-minimum coverage, financial stability and customer satisfaction based on J.D. Power and National Association of Insurance Commissioners (NAIC) scores.

Erie Insurance came out on top as the best pick for low-income car insurance.

These are the best low-income car insurance companies in Washington D.C..

CompanyAverage annual premiumJ.D. PowerAM BestNAICInsurance.com score
Erie Insurance$488863A+0.613.71
Geico$387818A++0.913.2
State Farm$656843A++0.73.08
Progressive$622814A+0.652.89
Nationwide$972820A+0.642.39
Data updated in 2024
Read our full methodology

Cheap car insurance in Washington D.C. for low-income families

When you’re working with a tight budget, price is the number one consideration. We gathered rates from car insurance companies in Washington D.C. to find the cheapest options on average.

Based on state-minimum coverage, we found that the cheapest car insurance company in Washington D.C. is Chubb at an average rate of $359 a year.

Company nameAverage annual premiumAverage monthly premium
Chubb$359$30
Geico$387$32
Erie Insurance$488$41
Progressive$622$52
State Farm$656$55
Nationwide$972$81
USAA$423$35
Data updated in 2024
Read our full methodology

Car insurance discounts in Washington D.C. for low-income drivers

Discounts are the best way to bring down your car insurance rates. There are a number of discounts low-income drivers in Washington D.C. can take advantage of for cheaper insurance. Take a look at some common discounts and how much you can save below.

Discount type% Discount
Air Bags1%
Anti-Theft Device1%
Daily Commute9%
Days Advanced Purchase6%
Days Per Week Driven8%
Education5%
Electronic Funds Transfer4%
Electronic Signature5%
Homeowner4%
Lower Annual Mileage4%
Loyalty - Years Renewal With Company6%
Marital Status4%
Multi Policy8%
Paperless/Electornic Documents4%
Payment Type12%
Primary Use20%
Profession5%
Safety Devices3%
Telematics10%
Years Insured12%
Years Licensed25%
Data updated in 2024
Read our full methodology

Compare auto insurance rates by city in Washington D.C.

Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Washington D.C. will impact what you pay. Below, we've gathered Washington D.C. car insurance rates by city for comparison.

CityAnnual insurance premium
Washington Navy Yard
$2,157
Data updated in 2024
Read our full methodology

Insurance.com commissioned car insurance rates from Quadrant Data Services in late 2023 for state minimum car insurance policies across all states. Rates are based on a 40-year-old driver with a clean driving record and good credit, driving a Honda Accord LX. We compared rates from 170 companies across 35,488 ZIP codes.

Auto insurance FAQs

What is the cheapest car insurance company for low-income people?

In Washington D.C., the cheapest car insurance company is Chubb. However, that’s based on average rates and may differ for you, so it’s important to shop around.

Does Washington D.C. have car insurance for low-income individuals?

No, Washington D.C. doesn’t offer a car insurance program for low-income individuals or families.

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