Short answer: car insurance in District of Columbia depends on your ZIP code, coverage level and driver/home profile. District of Columbia's state minimum car insurance is 25/50/10. Compare free quotes from licensed partners in ~2 minutes. The average annual car insurance premium in District of Columbia is about $1,677 (NAIC, 2023); your exact rate depends on coverage and profile.
Updated August 2026
District of Columbia car insurance basicsDistrict of Columbia is an
at-fault (tort) state for auto insurance. Minimum car insurance in District of Columbia:
25/50/10 — $25k bodily injury/person, $50k/accident, $10k property damage. Statewide average premium:
~$1,677/yr (NAIC, 2023).
Verify with the state insurance department →
Cities in District of Columbia
District of Columbia car insurance FAQ
How much is car insurance in District of Columbia?
The average annual car insurance premium in District of Columbia is about $1,677 (NAIC, 2023); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.
How do I get cheap car insurance in District of Columbia?
Compare multiple carriers, bundle policies, and check local District of Columbia discounts. Get free quotes in a couple of minutes.
Also compare home insurance in District of Columbia →