Independent · Local · Since 2014

A superior insurance experience, close to home.

Serving the Greater Washington area for over a decade, Congressional Insurance Associates protects what matters most with real people, honest advice, and award-winning service.

Rated 5 out of 5

Rated 5.0 across Google & Facebook reviews

A young family relaxing together at home

10+ years

award-winning customer service

Decades

Of combined industry experience

10+

Years of award-winning service

5.0

Perfect average review rating

20+

Trusted carriers we compare for you

5

States licensed

Coverage

Protection for every part of life

One independent agency for every line you need, with a real advisor who shops the market for you.

Auto Insurance

Coverage that keeps you and your family moving, backed by local claims support.

Homeowners Insurance

Protect your biggest investment with policies tailored to your home.

Life Insurance

Provide for the people who depend on you, today and down the road.

Umbrella Insurance

Extra liability protection that sits above your auto and home limits.

Flood Insurance

Specialized flood coverage for properties across the Greater Washington area.

Business Insurance

Safeguard the business you have worked so hard to build.

Co-founders Ian Higgins and Michael Herson at the Congressional charitable campaign night
Why Congressional

Independent means we work for you, not a carrier

As an independent agency, we compare policies across trusted carriers to find the right fit and the right price.

Personal advice

A dedicated advisor who knows you by name.

Right-sized coverage

We find the coverage you need without gaps or overpaying.

Claims guidance

We walk you through filing a claim with your carrier.

Award-winning

Over a decade of recognized customer service.

Reviews

A perfect 5-star reputation, earned locally

Real words from the families and business owners we serve across the Greater Washington area.

Rated 5 out of 5

“Congressional Insurance Associates helped us save over $10k on our business insurance and worker’s compensation for our company. They are an absolute pleasure to work with and I will be recommending them to any and everybody!”

Mike Robinson

Business Owner

Rated 5 out of 5

Worked with us? A quick review helps your neighbors find an agency they can trust, and it means a lot to our team.

Rated 5 out of 5

Our carrier partners

Trusted carriers we represent

  • ERIE Insurance
  • GEICO
  • Travelers
  • The Hanover
  • Progressive
  • The Hartford
  • Hagerty
Our Team

Meet the partners behind the agency

The co-founders who built Congressional and still work directly with the families and businesses we protect.

Ian Higgins

Managing Partner & Co-Founder

A trusted local advisor who leads with plain-spoken guidance and still answers the phone himself when clients call.

Michael Herson

Managing Partner & Co-Founder

Focused on right-sizing coverage for families and businesses across the region, without the pressure or the jargon.

Service Area

Based in Montgomery County, licensed across the region

Wherever you are in the Greater Washington area, there’s a good chance we can cover you.

MD · Maryland
DC · Washington
VA · Virginia
PA · Pennsylvania
WV · West Virginia
Aerial view of Washington, DC
The Congressional Insurance Associates team with toys collected for Children's National Hospital
Giving back

Proud supporters of Children's National Hospital

Every year we run a charitable campaign for Children’s National, because protecting this community means more than policies. When you choose Congressional, you help us give back to the families around us.

FAQ

Questions, answered plainly

If you don’t see yours here, just give us a call and a real person will help.

We are not tied to a single insurance company. Instead, we compare policies across trusted carriers like ERIE, Progressive, and Travelers to find the right fit and the right price for you, then we manage it all from one place.

We can usually get you a quote the same day. Sometimes we need a few more details to make sure your quote is accurate, so a real advisor may reach out with a couple of questions. Request one online or give us a call, with no obligation.

We are based in Gaithersburg in Montgomery County, Maryland, serve all of the Greater Washington area, and are licensed in Maryland, Washington DC, Virginia, Pennsylvania, and West Virginia.

Auto, home, life, umbrella, flood, and business insurance. If you need to protect it, we can likely help, and we can bundle lines together for better value.

Call us during business hours and we’ll help you start a claim or answer a question. After hours, your carrier’s 24-hour claims line can take your report right away.

Ready for a quote you can trust?

Most quotes are ready the same day, and there is no obligation.

Licensed in MD, DC, VA, PA & WV