District of Columbia vs Massachusetts Car Insurance

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

Quick Verdict

More Affordable

Massachusetts is $350/yr cheaper on average.

Fewer Uninsured

Massachusetts has a lower uninsured rate (6.2% vs 10.6%).

Rate & Coverage Comparison

Attribute	District of Columbia	Massachusetts
Avg Annual Premium	$1,820	$1,470
Min Liability	$600	$480
Full Coverage	$1,820	$1,470
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	10.6%	6.2%
Registered Vehicles	565,800	5,764,600
Accidents/Year	8,487	86,469
Population	690,000	7,030,000

Minimum Coverage Requirements

District of Columbia

25/50 / 10 liability

Massachusetts

20/40 / 5 liability

Premium Comparison

District of Columbia$600 – $1,820

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

Massachusetts$480 – $1,470

Liability: $480Avg: $1,470Full: $1,470

District of ColumbiaFull rates, age breakdown, requirements →MassachusettsFull 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, District of Columbia or Massachusetts?

Massachusetts has cheaper car insurance, with an average annual premium of $1,470 compared to $1,820 in District of Columbia - a difference of $350 per year.

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

District of Columbia uses a at-fault (tort) system while Massachusetts uses a no-fault system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

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

District of Columbia requires 25/50 / 10 liability. Massachusetts requires 20/40 / 5 liability. Minimum liability costs $600/yr in District of Columbia and $480/yr in Massachusetts.

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

District of Columbia has a higher uninsured driver rate at 10.6%, compared to 6.2% in Massachusetts. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the District of Columbia vs Massachusetts 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

District of Columbia

Massachusetts

Avg Annual Premium

$1,820

$1,470

Min Liability

$600

$480

Full Coverage

$1,820

$1,470

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

10.6%

6.2%

Registered Vehicles

565,800

5,764,600

Accidents/Year

8,487

86,469

Population

690,000

7,030,000