District of Columbia Car Insurance
The average District of Columbia driver pays $1,860/year for full coverage and $860/year for state minimum. Compare quotes from top carriers and find the right fit in five minutes.
Compare District of Columbia quotes →At a glance
- Avg. full coverage
- $1,860 / year
- Avg. minimum coverage
- $860 / year
- State minimum
- 25/50/10
- No-fault state?
- No
- PIP required?
- No
- UM/UIM required?
- Yes
District of Columbia Minimum Coverage Requirements
The minimum auto insurance coverage required to legally drive in District of Columbia is:
25/50/10
$25K bodily injury per person, $50K per accident, $10K property damage
These minimums are not the same as what most drivers should carry. State minimums protect you from a small fender bender — they fall far short of what you'd need after a serious accident with injuries. Most financial advisors recommend at least 100/300/100 in liability limits for households with meaningful assets.
Top Car Insurance Carriers in District of Columbia
By market share, these carriers write the most policies in District of Columbia:
- 1GEICO
- 2State Farm
- 3Progressive
- 4Allstate
- 5USAA
Market share doesn't mean cheapest — the carrier with the most customers in your state may not be the one that quotes you the best rate.
What's different about District of Columbia
Urban density and theft drive higher premiums than surrounding suburbs.
Compare District of Columbia car insurance quotes
See rates from multiple top carriers side-by-side. Free, takes five minutes, no spam phone calls.
Get my quotes →Other states
Premium estimates are based on publicly reported industry averages and are intended as a rough guide. Your actual quote depends on driver record, vehicle, coverage choices, and ZIP code. Quorrio is an independent comparison marketplace, not an insurance company, agent, or broker.