Auto Insurance in District of Columbia — Average Cost 2026
Average auto insurance in District of Columbia: $1,980/year ($165/month). District of Columbia ranks #39 out of 51 states — above the national average.
Average annual
$1,980
Average monthly
$165
National rank
#39
of 51 states
vs national avg
+11.2%
District of Columbia vs national average
Get your personalized estimate
State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Auto insurance in District of Columbia
District of Columbia sits 11% above the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in District of Columbia tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save District of Columbia drivers hundreds of dollars annually.