District of Columbia vs Minnesota Car Insurance

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

Quick Verdict

More Affordable

Minnesota is $260/yr cheaper on average.

Fewer Uninsured

Minnesota has a lower uninsured rate (7.9% vs 10.6%).

Rate & Coverage Comparison

Attribute	District of Columbia	Minnesota
Avg Annual Premium	$1,820	$1,560
Min Liability	$600	$510
Full Coverage	$1,820	$1,560
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	10.6%	7.9%
Registered Vehicles	565,800	4,679,740
Accidents/Year	8,487	70,196
Population	690,000	5,707,000

Minimum Coverage Requirements

District of Columbia

25/50 / 10 liability

Minnesota

30/60 / 10 liability

Premium Comparison

District of Columbia$600 – $1,820

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

Minnesota$510 – $1,560

Liability: $510Avg: $1,560Full: $1,560

District of ColumbiaFull rates, age breakdown, requirements →MinnesotaFull 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 Minnesota?

Minnesota has cheaper car insurance, with an average annual premium of $1,560 compared to $1,820 in District of Columbia - a difference of $260 per year.

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

District of Columbia uses a at-fault (tort) system while Minnesota 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 Minnesota?

District of Columbia requires 25/50 / 10 liability. Minnesota requires 30/60 / 10 liability. Minimum liability costs $600/yr in District of Columbia and $510/yr in Minnesota.

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

District of Columbia has a higher uninsured driver rate at 10.6%, compared to 7.9% in Minnesota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the District of Columbia vs Minnesota 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

Minnesota

Avg Annual Premium

$1,820

$1,560

Min Liability

$600

$510

Full Coverage

$1,820

$1,560

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

10.6%

7.9%

Registered Vehicles

565,800

4,679,740

Accidents/Year

8,487

70,196

Population

690,000

5,707,000