District of Columbia vs Wisconsin Car Insurance

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

Quick Verdict

More Affordable

Wisconsin is $540/yr cheaper on average.

Fewer Uninsured

Wisconsin has a lower uninsured rate (8.5% vs 10.6%).

Rate & Coverage Comparison

Attribute	District of Columbia	Wisconsin
Avg Annual Premium	$1,820	$1,280
Min Liability	$600	$420
Full Coverage	$1,820	$1,280
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	10.6%	8.5%
Registered Vehicles	565,800	4,833,080
Accidents/Year	8,487	72,496
Population	690,000	5,894,000

Minimum Coverage Requirements

District of Columbia

25/50 / 10 liability

Wisconsin

25/50 / 10 liability

Premium Comparison

District of Columbia$600 – $1,820

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

Wisconsin$420 – $1,280

Liability: $420Avg: $1,280Full: $1,280

District of ColumbiaFull rates, age breakdown, requirements →WisconsinFull 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 Wisconsin?

Wisconsin has cheaper car insurance, with an average annual premium of $1,280 compared to $1,820 in District of Columbia - a difference of $540 per year.

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

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

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

District of Columbia requires 25/50 / 10 liability. Wisconsin requires 25/50 / 10 liability. Minimum liability costs $600/yr in District of Columbia and $420/yr in Wisconsin.

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

District of Columbia has a higher uninsured driver rate at 10.6%, compared to 8.5% in Wisconsin. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the District of Columbia vs Wisconsin 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

Wisconsin

Avg Annual Premium

$1,820

$1,280

Min Liability

$600

$420

Full Coverage

$1,820

$1,280

Fault System

At-Fault (Tort)

Uninsured Rate

10.6%

8.5%

Registered Vehicles

565,800

4,833,080

Accidents/Year

8,487

72,496

Population

690,000

5,894,000