Full Coverage Car Insurance in District of Columbia
Numbers refreshed
Liability, collision and comprehensive together, priced from the District of Columbia averages.
- On average, full coverage runs $166 a month.
- The minimum liability limits are 25/50/10.
- It ranks 4th of 51 as the most expensive state (1st = highest).
What you pay for full coverage in District of Columbia
Full coverage adds collision and comprehensive to liability. Those two parts cost $1,008 a year in District of Columbia, added to the $978 liability average.
| 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 point where full coverage stops being worth it
Lenders and lease companies require full coverage while you still owe money on the car.
After you've paid off the car, compare what it's worth against what the extra cover costs, $1,008 a year. Liability only is usually the better deal if a single bad year of premiums would pay for most of the car.
What each car costs for full coverage in District of Columbia
These estimates come from IIHS-HLDI loss results for an adult with a clean record. These are the cheapest and most expensive of the 40 models we price:
| Car | Per year | Per month |
|---|---|---|
| Honda Pilot | $1,265 | $105 |
| Honda CR-V | $1,287 | $107 |
| Subaru Outback | $1,364 | $114 |
| Toyota RAV4 | $1,508 | $126 |
| Mercedes-Benz C-Class | $2,687 | $224 |
| Chevrolet Camaro | $3,103 | $259 |
| Dodge Charger | $3,581 | $298 |
| Dodge Challenger | $3,687 | $307 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
More about car insurance in District of Columbia
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