How much car insurance costs in District of Columbia
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.
STATE AVG
$1,818
District of Columbia average / year
MONTHLY
$152
per month (typical)
District of Columbia insurance cost by coverage
Average District of Columbia premium split by coverage type — liability is required, full coverage adds collision + comprehensive.
FIG.01
01
Liability-onlyper year$891
03
Comprehensiveper year$264
04
Full coverage (combined)per year$1,818
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.
MIN REQUIRED
$25,000
bodily injury / person
MIN REQUIRED
$50,000
bodily injury / accident
MIN REQUIRED
$10,000
property damage
REQUIRED
UM
uninsured motorist required
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.
FIG.02
01
Chevrolet Express48% of avg$873
02
Smart Fortwo49% of avg$893
03
Mini Cooper Roadster62% of avg$1,122
04
Volvo S60 Cross Country63% of avg$1,140
05
Buick Rendezvous65% of avg$1,185
06
Subaru Forester66% of avg$1,196
07
Buick Terraza66% of avg$1,202
08
Ford E-35066% of avg$1,202
09
GMC Acadia67% of avg$1,211
10
Mini Cooper67% of avg$1,213
11
Subaru Outback67% of avg$1,213
12
GMC Savana67% of avg$1,214
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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.
FIG.03
01
McLaren 720S736% of avg$13,388
02
Bentley Continental695% of avg$12,628
03
Ferrari 458 Italia655% of avg$11,908
05
Aston Martin DBX589% of avg$10,706
06
Aston Martin Vantage576% of avg$10,470
07
Lamborghini Huracan573% of avg$10,423
08
Bentley Flying Spur536% of avg$9,748
09
McLaren 570S484% of avg$8,799
11
Ferrari Roma466% of avg$8,477
12
Maserati Granturismo455% of avg$8,277
District of Columbia insurance cost by year
District of Columbia premiums are up about +15% since 2019. Average District of Columbia premium by year:
District of Columbia car insurance — FAQ
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.
District of Columbia premium from
NAIC state average data (2023); per-model estimates combine the state average with each car's
HLDI insurance-loss index. State averages reflect all drivers; your quote varies with car, age, record, credit and coverage. For research, not a quote.
Reviewed by Denis Kataev, founder of ForCar.