Short answer: home insurance in District of Columbia depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. The average annual home insurance premium in District of Columbia is about $1,384 (NAIC, 2022); your exact rate depends on coverage and profile.
Updated August 2026
District of Columbia home insurance basicsHome insurance in District of Columbia is shaped by local weather and rebuild costs. Local requirements and typical premiums vary — get a quote for your exact rate. Statewide average premium:
~$1,384/yr (NAIC, 2022).
Verify with the state insurance department →
Cities in District of Columbia
District of Columbia home insurance FAQ
How much is home insurance in District of Columbia?
The average annual home insurance premium in District of Columbia is about $1,384 (NAIC, 2022); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.
How do I get cheap home 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 auto insurance in District of Columbia →