District of Columbia vs Washington Car Insurance

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

Quick Verdict

More Affordable

Washington is $200/yr cheaper on average.

Fewer Uninsured

District of Columbia has a lower uninsured rate (10.6% vs 15.6%).

Rate & Coverage Comparison

Attribute	District of Columbia	Washington
Avg Annual Premium	$1,820	$1,620
Min Liability	$600	$530
Full Coverage	$1,820	$1,620
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	10.6%	15.6%
Registered Vehicles	565,800	6,244,300
Accidents/Year	8,487	93,664
Population	690,000	7,615,000

Minimum Coverage Requirements

District of Columbia

25/50 / 10 liability

Washington

25/50 / 10 liability

Premium Comparison

District of Columbia$600 – $1,820

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

Washington$530 – $1,620

Liability: $530Avg: $1,620Full: $1,620

District of ColumbiaFull rates, age breakdown, requirements →WashingtonFull 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 Washington?

Washington has cheaper car insurance, with an average annual premium of $1,620 compared to $1,820 in District of Columbia - a difference of $200 per year.

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

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

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

District of Columbia requires 25/50 / 10 liability. Washington requires 25/50 / 10 liability. Minimum liability costs $600/yr in District of Columbia and $530/yr in Washington.

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

Washington has a higher uninsured driver rate at 15.6%, 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 Washington 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

Washington

Avg Annual Premium

$1,820

$1,620

Min Liability

$600

$530

Full Coverage

$1,820

$1,620

Fault System

At-Fault (Tort)

Uninsured Rate

10.6%

15.6%

Registered Vehicles

565,800

6,244,300

Accidents/Year

8,487

93,664

Population

690,000

7,615,000