District of Columbia vs Mississippi Car Insurance

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

Quick Verdict

More Affordable

Mississippi is $40/yr cheaper on average.

Fewer Uninsured

District of Columbia has a lower uninsured rate (10.6% vs 22.5%).

Rate & Coverage Comparison

Attribute	District of Columbia	Mississippi
Avg Annual Premium	$1,820	$1,780
Min Liability	$600	$580
Full Coverage	$1,820	$1,780
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	10.6%	22.5%
Registered Vehicles	565,800	2,428,020
Accidents/Year	8,487	36,420
Population	690,000	2,961,000

Minimum Coverage Requirements

District of Columbia

25/50 / 10 liability

Mississippi

25/50 / 25 liability

Premium Comparison

District of Columbia$600 – $1,820

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

Mississippi$580 – $1,780

Liability: $580Avg: $1,780Full: $1,780

District of ColumbiaFull rates, age breakdown, requirements →MississippiFull 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 Mississippi?

Mississippi has cheaper car insurance, with an average annual premium of $1,780 compared to $1,820 in District of Columbia - a difference of $40 per year.

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

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

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

District of Columbia requires 25/50 / 10 liability. Mississippi requires 25/50 / 25 liability. Minimum liability costs $600/yr in District of Columbia and $580/yr in Mississippi.

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

Mississippi has a higher uninsured driver rate at 22.5%, compared to 10.6% in District of Columbia. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the District of Columbia vs Mississippi 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

Mississippi

Avg Annual Premium

$1,820

$1,780

Min Liability

$600

$580

Full Coverage

$1,820

$1,780

Fault System

At-Fault (Tort)

Uninsured Rate

10.6%

22.5%

Registered Vehicles

565,800

2,428,020

Accidents/Year

8,487

36,420

Population

690,000

2,961,000