$1,789
Avg. Auto Insurance/Year
1% above national avg
$1,234
Avg. Home Insurance/Year
32% below national avg
#22
Cost Ranking (Most Expensive)
25/50/10
Minimum Liability Required
📰 For Journalists & Bloggers:
You may cite this data with attribution to InsureCompare.
Citation: "According to InsureCompare's 2025 State Insurance Rate Report,
the average District of Columbia driver pays $1,789 annually for car insurance,
which is 1% above the national average."
Source: InsureCompare.com
How District of Columbia Compares to National Average
Auto Insurance
District of Columbia: $1,789 vs National: $1,771
Home Insurance
District of Columbia: $1,234 vs National: $1,820
District of Columbia Minimum Insurance Requirements
| Coverage Type |
Minimum Required |
Recommended |
| Bodily Injury (per person) |
$25k |
$100k+ |
| Bodily Injury (per accident) |
$50k |
$300k+ |
| Property Damage |
$10k |
$100k+ |
Cheapest Car Insurance Companies in District of Columbia
| Company |
Avg. Annual Rate |
vs State Avg |
| GEICO |
$1,466 |
-18% |
| USAA (Military) |
$1,341 |
-25% |
| Progressive |
$1,574 |
-12% |
| State Farm |
$1,699 |
-5% |