The average driver in District of Columbia pays about $1,818 a year for full coverage — about 26% more than the US average of $1,438. That ranks District of Columbia #4 of 51 states (one of the most expensive). The car you drive then shifts it: a cheap-to-insure model can land near $873, a high-loss one well over $13,388.
District of Columbia insurance cost by coverage
Average District of Columbia premium split by coverage type — liability is required, full coverage adds collision + comprehensive.
Minimum car insurance required in District of Columbia
District of Columbia legally requires at least 25/50/10 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $10,000 property damage. Uninsured-motorist coverage is required. These are legal minimums — most drivers carry more to fully protect themselves. Buying used here? Check the car first — look it up by its District of Columbia license plate.
Minimum coverage is the cheapest to buy, but it may not cover a serious crash — full coverage adds collision and comprehensive for your own car.
Cheapest cars to insure in District of Columbia
Estimated annual premium in District of Columbia, cheapest first — state average × each car's real HLDI loss index. See the full cheapest cars to insure nationally.
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Most expensive cars to insure in District of Columbia
The priciest cars to insure in District of Columbia — powerful, theft-prone and costly to repair. See the most expensive cars to insure nationally.
District of Columbia insurance cost by year
District of Columbia premiums are up about +15% since 2019. Average District of Columbia premium by year:
| Year | District of Columbia avg / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
District of Columbia car insurance — frequently asked
How much is car insurance in District of Columbia?
The average is about $1,818/yr ($152/mo) for full coverage — 26% above the US average. Your exact rate depends on your car, age and record.
What is the minimum car insurance required in District of Columbia?
District of Columbia requires at least 25/50/10 liability — $25,000 bodily injury per person, $50,000 per accident and $10,000 property damage, plus uninsured-motorist coverage.
Is car insurance expensive in District of Columbia?
District of Columbia ranks #4 of 51 states (one of the most expensive). At $1,818/yr it is above the national average of $1,438.
What is the cheapest car to insure in District of Columbia?
On our data, low-loss models like the Chevrolet Express are cheapest to insure in District of Columbia — around $873/yr.
How much is car insurance per month in District of Columbia?
About $152/month for a typical car with full coverage — less for cheap-to-insure models, more for high-performance ones.