District of Columbia vs New Mexico Car Insurance

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

Quick Verdict

More Affordable

New Mexico is $130/yr cheaper on average.

Fewer Uninsured

District of Columbia has a lower uninsured rate (10.6% vs 19.8%).

Rate & Coverage Comparison

Attribute	District of Columbia	New Mexico
Avg Annual Premium	$1,820	$1,690
Min Liability	$600	$550
Full Coverage	$1,820	$1,690
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	10.6%	19.8%
Registered Vehicles	565,800	1,736,760
Accidents/Year	8,487	26,051
Population	690,000	2,118,000

Minimum Coverage Requirements

District of Columbia

25/50 / 10 liability

New Mexico

25/50 / 10 liability

Premium Comparison

District of Columbia$600 – $1,820

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

New Mexico$550 – $1,690

Liability: $550Avg: $1,690Full: $1,690

District of ColumbiaFull rates, age breakdown, requirements →New MexicoFull 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 New Mexico?

New Mexico has cheaper car insurance, with an average annual premium of $1,690 compared to $1,820 in District of Columbia - a difference of $130 per year.

How do District of Columbia and New Mexico compare on fault systems?

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

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

District of Columbia requires 25/50 / 10 liability. New Mexico requires 25/50 / 10 liability. Minimum liability costs $600/yr in District of Columbia and $550/yr in New Mexico.

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

New Mexico has a higher uninsured driver rate at 19.8%, 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 New Mexico 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

New Mexico

Avg Annual Premium

$1,820

$1,690

Min Liability

$600

$550

Full Coverage

$1,820

$1,690

Fault System

At-Fault (Tort)

Uninsured Rate

10.6%

19.8%

Registered Vehicles

565,800

1,736,760

Accidents/Year

8,487

26,051

Population

690,000

2,118,000