Washington has 681,294 residents in 324,491 households. We list 7 agencies for auto insurance in Washington. Here is what the local numbers say about the cover people here need.

Washington at a glance

7auto insurance agencies listed
58.5%of households rentRenters insurance
$737,100median home valueHome insurance
1958median year homes were builtRebuild cost calculator
36%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in District of Columbia null

FEMA rates the overall natural hazard risk in District of Columbia null, where most Washington agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Strong windVery High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Washington
Winter weatherVery High
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Washington
EarthquakeRelatively High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in District of Columbia

District of Columbia requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $10,000 of property damage liability, often written 25/50/10. It also requires uninsured motorist coverage ($25,000 per person, $50,000 per accident) and uninsured motorist property damage coverage ($5,000).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Washington How much liability cover do you need?

Source: dmv.dc.gov. Checked 2026-10-24.

Where Washington agencies are

Washington agencies we list sit in 4 ZIP codes, mostly in District of Columbia null.

200032 agencies
200052 agencies
200062 agencies
200021 agency

Questions

Auto insurance in Washington

All insurance agencies in Washington · Auto insurance across District of Columbia

Where can I find auto insurance in Washington?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does auto insurance cover?

Covers your car for damage, theft and the harm you could cause to others.

Do I need flood insurance in Washington?

FEMA's National Risk Index rates inland flooding risk in District of Columbia null as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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