Progressive Auto Insurance in District of Columbia
Progressive is the largest U.S. auto insurer (~14% market share, edging GEICO since 2023). Its Snapshot telematics program is the longest-running usage-based pricing tool in the country. Here's what Progressive typically costs in District of Columbia for 2026 — plus the 3 cheaper alternatives most District of Columbia drivers overlook.
Estimated annual premium
$1,750
Estimated monthly
$146
District of Columbia state avg
$1,925
vs District of Columbia avg
-9%
Why drivers pick Progressive
Snapshot telematics commonly delivers 10-30% discounts for low-mileage and conservative drivers — the deepest savings in the market for usage-based pricing.
Where Progressive falls short
Initial quotes for high-risk drivers (poor credit, recent claims) often run above peer carriers; competitive renewal pricing is more important than initial savings here.
District of Columbia minimum coverage requirements
- Bodily Injury Liability: 25/50 thousand per person / per accident
- Property Damage Liability: $10K
Urban density and high-theft ZIP codes inflate comprehensive premiums.
Cheaper alternatives to Progressive in District of Columbia
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Progressive for a comparable driver profile in District of Columbia. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Progressive discounts available to District of Columbia drivers
Progressive District of Columbia rates by vehicle class
Vehicle class is one of the strongest premium drivers — pickups + EVs cost 15-25% more to insure than sedans. See the Progressive District of Columbia estimate for each class:
+10% vs sedan
Progressive SUV insurance
District of Columbia estimate · Toyota Highlander, Honda Pilot
+15% vs sedan
Progressive Pickup truck insurance
District of Columbia estimate · Ford F-150, Chevy Silverado
+25% vs sedan
Progressive Electric Vehicle (EV) insurance
District of Columbia estimate · Tesla Model 3, Tesla Model Y
Progressive District of Columbia rates by driver profile
Driver classification is one of the strongest premium drivers — young drivers pay 2x adult rates, while seniors and low-mileage retirees save 8-18%. See the Progressive District of Columbia estimate for each profile:
+100% vs standard
Progressive New Driver insurance
District of Columbia · 16-24
-8% vs standard
Progressive Senior Driver insurance
District of Columbia · 65+
+55% vs standard
Progressive SR-22 High-Risk insurance
District of Columbia · any (SR-22 required)
-18% vs standard
Progressive Low-Mileage Driver insurance
District of Columbia · any (<7,500 mi/yr)
Frequently asked questions
How much does Progressive auto insurance cost in District of Columbia?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Progressive in District of Columbia runs about $1,750/year (~$146/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.
Is Progressive cheaper than other carriers in District of Columbia?
Yes — Progressive typically runs about 9% below the District of Columbia state average ($1,925/year for all carriers combined). The cheaper alternatives in District of Columbia are typically USAA, GEICO, Erie. Whether Progressive is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.
What are the District of Columbia minimum coverage requirements?
District of Columbia requires at least 25/50 thousand in bodily-injury liability per person/per accident and $10K in property-damage liability. District of Columbia is not a no-fault state, so PIP is optional but recommended for added medical coverage. Urban density and high-theft ZIP codes inflate comprehensive premiums.
Does Progressive offer discounts to District of Columbia drivers?
Progressive offers 6+ discounts that District of Columbia drivers can stack: Snapshot (telematics), Multi-policy, Continuous insurance, Sign online, Pay in full, Homeowner. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.
Methodology: Estimated annual premium is computed as Progressive's national average ($1,633) multiplied by District of Columbia's state-vs-national premium index ($1,925 ÷ national average $1,789 ≈ 1.08x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Progressive J.D. Power score: 829/1000. A.M. Best rating: A+ (2024).