District of Columbia isn't in Insurify's current free data set, so this average is a representative estimate (not sourced). See
methodology.
The one thing that sets District of Columbia apart
Dense urban theft and vandalism; comprehensive claims run high per capita.
Minimum vs. full coverage in District of Columbia
What each coverage level costs on the District of Columbia average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $1,020 | $85 |
| Liability Only | $1,300 | $108 |
| Full | $2,360 | $197 |
| Full Low Deductible | $2,880 | $240 |
Minimum coverage saves about $1,340/yr vs full — but caps protection at 25/50/10. One at-fault crash above those limits and the gap is yours.
District of Columbia car insurance FAQ
- What's the minimum car insurance required in District of Columbia?
- District of Columbia's state minimum is 25/50/10 — $25k bodily injury per person, $50k per accident, $10k property damage. Minimum-only runs about $1,020/yr but leaves you exposed above those caps.
- How much is full coverage in District of Columbia?
- Representative full coverage averages $2,360/yr (about $197/mo), ranking District of Columbia #36 of 51 states for cost.
- Why is District of Columbia car insurance priced the way it is?
- Dense urban theft and vandalism; comprehensive claims run high per capita.