District of Columbia vs Tennessee Car Insurance

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

Quick Verdict

More Affordable

Tennessee is $180/yr cheaper on average.

Fewer Uninsured

District of Columbia has a lower uninsured rate (10.6% vs 16.7%).

Rate & Coverage Comparison

Attribute	District of Columbia	Tennessee
Avg Annual Premium	$1,820	$1,640
Min Liability	$600	$540
Full Coverage	$1,820	$1,640
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	10.6%	16.7%
Registered Vehicles	565,800	5,666,200
Accidents/Year	8,487	84,993
Population	690,000	6,910,000

Minimum Coverage Requirements

District of Columbia

25/50 / 10 liability

Tennessee

25/50 / 15 liability

Premium Comparison

District of Columbia$600 – $1,820

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

Tennessee$540 – $1,640

Liability: $540Avg: $1,640Full: $1,640

District of ColumbiaFull rates, age breakdown, requirements →TennesseeFull 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 Tennessee?

Tennessee has cheaper car insurance, with an average annual premium of $1,640 compared to $1,820 in District of Columbia - a difference of $180 per year.

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

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

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

District of Columbia requires 25/50 / 10 liability. Tennessee requires 25/50 / 15 liability. Minimum liability costs $600/yr in District of Columbia and $540/yr in Tennessee.

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

Tennessee has a higher uninsured driver rate at 16.7%, 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 Tennessee 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

Tennessee

Avg Annual Premium

$1,820

$1,640

Min Liability

$600

$540

Full Coverage

$1,820

$1,640

Fault System

At-Fault (Tort)

Uninsured Rate

10.6%

16.7%

Registered Vehicles

565,800

5,666,200

Accidents/Year

8,487

84,993

Population

690,000

6,910,000