Colorado vs District of Columbia Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

District of Columbia is $280/yr cheaper on average.

Fewer Uninsured

District of Columbia has a lower uninsured rate (10.6% vs 11.2%).

Rate & Coverage Comparison

Attribute	Colorado	District of Columbia
Avg Annual Premium	$2,100	$1,820
Min Liability	$690	$600
Full Coverage	$2,100	$1,820
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.2%	10.6%
Registered Vehicles	4,734,680	565,800
Accidents/Year	71,020	8,487
Population	5,774,000	690,000

Minimum Coverage Requirements

Colorado

25/50 / 15 liability

District of Columbia

25/50 / 10 liability

Premium Comparison

Colorado$690 – $2,100

Liability: $690Avg: $2,100Full: $2,100

District of Columbia$600 – $1,820

Liability: $600Avg: $1,820Full: $1,820

ColoradoFull rates, age breakdown, requirements →District of ColumbiaFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Colorado or District of Columbia?

District of Columbia has cheaper car insurance, with an average annual premium of $1,820 compared to $2,100 in Colorado - a difference of $280 per year.

How do Colorado and District of Columbia compare on fault systems?

Colorado uses a at-fault (tort) system while District of Columbia uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Colorado vs District of Columbia?

Colorado requires 25/50 / 15 liability. District of Columbia requires 25/50 / 10 liability. Minimum liability costs $690/yr in Colorado and $600/yr in District of Columbia.

Which state has more uninsured drivers, Colorado or District of Columbia?

Colorado has a higher uninsured driver rate at 11.2%, compared to 10.6% in District of Columbia. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Colorado vs District of Columbia insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Colorado

District of Columbia

Avg Annual Premium

$2,100

$1,820

Min Liability

$690

$600

Full Coverage

$2,100

$1,820

Fault System

At-Fault (Tort)

Uninsured Rate

11.2%

10.6%

Registered Vehicles

4,734,680

565,800

Accidents/Year

71,020

8,487

Population

5,774,000

690,000