Car Insurance in District of Columbia
The numbers were refreshed
What District of Columbia drivers pay, what the legal minimum is and who is cheapest.
- With full coverage, $166 is the monthly average.
- 25/50/10.These are the minimum limits for liability cover.
- Its cost places it 4th of 51 among the most expensive states (1st = highest)
Car insurance costs in District of Columbia
With full coverage, the average District of Columbia driver pays $1,986 a year, or about $166 a month. Policies with only the legal minimum average $978 a year. That figure runs 23% higher than the US average, which is $1,613 a year.
| Coverage in District of Columbia | Per year | Per month |
|---|---|---|
| Liability | $978 | $82 |
| Collision | $706 | $59 |
| Comprehensive | $303 | $25 |
| Full coverage (all three) | $1,986 | $166 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The legal minimum required in District of Columbia
Drivers in District of Columbia need liability coverage of at least 25/50/10. It provides $25,000 for every person injured, $50,000 for all injuries from one crash and $10,000 to cover damage to other people's property.
Under District of Columbia's at-fault rule, drivers who cause crashes pay through their liability cover.
Drivers must have uninsured motorist cover.
Source: DC DMV, Vehicle Insurance.
The rate guide for District of Columbia shows which insurers have the lowest prices.
Single female, age 25, clean record, mid-range insurance score, 3-year-old Toyota Camry 4-door, DC minimum liability. The state's own comparison guide provides the yearly premium figures.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | USAA | $734 | $61 |
| 2 | American Family Insurance | $808 | $67 |
| 3 | USAA | $862 | $72 |
| 4 | The Standard Fire Insurance Company | $864 | $72 |
| 5 | State Farm | $942 | $78 |
Source: DC DISB: 2024 Auto Premium Comparison 08-15-2024 (Sample Profiles, 6 month policy).
How many drivers in District of Columbia lack insurance?
About 23% of District of Columbia drivers were uninsured in 2023. This ranked 3rd highest among the 51. Your bills are paid by uninsured motorist cover if an uninsured driver hits you.
More about car insurance in District of Columbia
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