District of Columbia Car Insurance Quotes & Average Rates
Full coverage car insurance in District of Columbia is estimated at $2,263 a year, or $189 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $926 a year. District of Columbia is an at-fault state, and drivers must carry 25/50/10 liability limits. Below you will find estimated rates for 20 District of Columbia cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — District of Columbia
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in District of Columbia
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,720 | $143 | -24% | Military members and families only |
| Geico | $1,856 | $155 | -18% | Usually cheapest for clean records |
| State Farm | $1,991 | $166 | -12% | Strong for young and student drivers |
| Progressive | $2,150 | $179 | -5% | Competitive after a ticket or accident |
| Travelers | $2,195 | $183 | -3% | Good multi-policy discounts |
| Nationwide | $2,263 | $189 | 0% | Mid-market, wide availability |
| Allstate | $2,580 | $215 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $2,738 | $228 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in District of Columbia. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
District of Columbia car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $6,113 | $2,501 | $509 |
| 18 years old | $5,157 | $2,110 | $430 |
| 20 years old | $4,270 | $1,747 | $356 |
| 22 years old | $3,547 | $1,451 | $296 |
| 25 years old | $2,707 | $1,107 | $226 |
| 30 years old | $2,333 | $955 | $194 |
| 40 years old | $2,193 | $897 | $183 |
| 50 years old | $2,100 | $859 | $175 |
| 60 years old | $2,077 | $850 | $173 |
| 65 years old | $2,170 | $888 | $181 |
| 70 years old | $2,380 | $974 | $198 |
| 75 years old | $2,777 | $1,136 | $231 |
Estimated premiums by age in District of Columbia, clean record, sedan.
How violations change your District of Columbia premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $2,263 | — |
| 1 speeding ticket | $2,784 | +23% |
| 1 at-fault accident | $3,327 | +47% |
| DUI / DWI | $4,278 | +89% |
What a violation costs a 35-year-old in District of Columbia. Surcharges normally stay on the policy for three to five years.
A DUI in District of Columbia usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
District of Columbia minimum insurance requirements
| Required coverage in District of Columbia | Minimum limit |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $10,000 |
| Uninsured motorist 25/50/5 | Required |
| Insurance system | At-fault (tort) |
Limits are set by statute and change from time to time. Confirm the current figures with the District of Columbia Department of Insurance before you buy.
Coverage levels in District of Columbia
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $926 | $77 |
| Full coverage (100/300/100 + comp & collision) | $2,263 | $189 |
| Full coverage, high limits + low deductible | $2,693 | $224 |
Coverage level comparison for District of Columbia.
Car insurance rates in District of Columbia cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 20 District of Columbia cities we price.