District of Columbia vs West Virginia Car Insurance

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

Quick Verdict

More Affordable

West Virginia is $100/yr cheaper on average.

Fewer Uninsured

West Virginia has a lower uninsured rate (9.3% vs 10.6%).

Rate & Coverage Comparison

Attribute	District of Columbia	West Virginia
Avg Annual Premium	$1,820	$1,720
Min Liability	$600	$560
Full Coverage	$1,820	$1,720
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	10.6%	9.3%
Registered Vehicles	565,800	1,471,080
Accidents/Year	8,487	22,066
Population	690,000	1,794,000

Minimum Coverage Requirements

District of Columbia

25/50 / 10 liability

West Virginia

25/50 / 25 liability

Premium Comparison

District of Columbia$600 – $1,820

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

West Virginia$560 – $1,720

Liability: $560Avg: $1,720Full: $1,720

District of ColumbiaFull rates, age breakdown, requirements →West VirginiaFull rates, age breakdown, requirements →

📊

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 West Virginia?

West Virginia has cheaper car insurance, with an average annual premium of $1,720 compared to $1,820 in District of Columbia - a difference of $100 per year.

How do District of Columbia and West Virginia compare on fault systems?

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

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

District of Columbia requires 25/50 / 10 liability. West Virginia requires 25/50 / 25 liability. Minimum liability costs $600/yr in District of Columbia and $560/yr in West Virginia.

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

District of Columbia has a higher uninsured driver rate at 10.6%, compared to 9.3% in West Virginia. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the District of Columbia vs West Virginia 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.

Explore the DataPeek Network

LawyerCostPeek DivorceLawPeek EvictionLawPeek LicenseWize DMVPeek FloodRiskPeek VocabWize VocabLibre DicionarioWize WortWize KalimaWize KotobaPeek NameBlooms WagePeek NetPayPeek SalaryByCity

Attribute

District of Columbia

West Virginia

Avg Annual Premium

$1,820

$1,720

Min Liability

$600

$560

Full Coverage

$1,820

$1,720

Fault System

At-Fault (Tort)

Uninsured Rate

10.6%

9.3%

Registered Vehicles

565,800

1,471,080

Accidents/Year

8,487

22,066

Population

690,000

1,794,000