- Washington, D.C. government car insurance for low-income drivers
- Washington, D.C. minimum car insurance requirements
- Best low-income car insurance in Washington, D.C.
- Cheapest low-income car insurance in Washington, D.C.
- Car insurance discounts for low-income drivers in Washington, D.C.
- Methodology
- Low-income car insurance in Washington, D.C.: Frequently asked questions
- Compare low-income car insurance rates in Washington, D.C. with other states
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 limits | 25/50/10 |
| Average annual premium | $918 |
| Other types of insurance required (if any) | UMBI, UMPD |
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.
GEICO came out on top as the best pick for low-income car insurance.
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.
These are the best low-income car insurance companies in Washington, D.C.
| Company | Average annual premium | J.D. Power | AM Best | NAIC | Insurance.com score |
|---|---|---|---|---|---|
| GEICO | $535 | 643 | A++ | 0.60 | 4.53 |
| State Farm | $1,355 | 673 | A+ | 0.87 | 3.78 |
| Progressive | $1,408 | 625 | A+ | 0.60 | 3.20 |
| Allstate | $1,436 | 632 | A+ | 1.20 | 2.78 |
| USAA | $414 | 743 | A++ | 1.16 | 4.53 |
Cheapest low-income car insurance in Washington, D.C.
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.
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.
| Company name | Average annual premium | Average monthly premium |
|---|---|---|
| Chubb | $359 | $30 |
| GEICO | $535 | $45 |
| State Farm | $1,355 | $113 |
| Progressive | $1,408 | $117 |
| Allstate | $1,436 | $120 |
| USAA | $414 | $35 |
PEOPLE ASK:
What can I do if I can’t afford car insurance in Washington, D.C.?
If you can’t find affordable car insurance in Washington, D.C., try working with a local agent who knows the market and some of the smaller insurance companies available. Consider a usage-based program to reduce costs, reduce coverage, drive less and ask about additional discounts.
Car insurance discounts for low-income drivers in Washington, D.C.
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 |
|---|---|
| Primary Use | 19% |
| Years Insured | 14% |
| Daily Commute | 12% |
| Payment Type | 12% |
| Comp and Coll Deductibles | 11% |
| Multi Policy | 9% |
| Days Per Week Driven | 8% |
| Telematics | 8% |
| Education | 7% |
| Profession | 7% |
| Electronic Signature | 6% |
| Lower Annual Mileage | 6% |
| Days Advanced Purchase | 5% |
| Homeowner | 5% |
| Loyalty - Years Renewal With Company | 5% |
| Marital Status | 5% |
| Paperless/Electornic Documents | 4% |
| Electronic Funds Transfer | 3% |
| Safety Devices | 3% |
| Anti-Theft Device | 2% |
| Air Bags | 1% |
Methodology
170+ insurance companies analyzed 34,000+ ZIP codes examined 53M+ insurance quotes analyzed
National and state average rates are based on state minimum car insurance.
This data set is based on:
- Bodily injury liability that matches the state minimum requirement
- Property damage liability that matches the state minimum requirement
- Any other state-required coverage, which may include personal injury protection, medical payments and uninsured/underinsured motorist coverage
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Low-income car insurance in Washington, D.C.: Frequently asked questions
What is the cheapest car insurance company for low-income people?
In Washington, D.C., Chubb is the cheapest car insurance company with the average rate of $359. 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.
What happens if I can’t pay my car insurance?
If you don’t pay your car insurance bill, your car insurance will be canceled and you won’t have coverage. If you can’t pay your car insurance bill, contact your insurance company before the bill is past due to see if you can make arrangements for payment.
Compare low-income car insurance rates in Washington, D.C. with other states
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