District of Columbia vs Wyoming Car Insurance

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

Quick Verdict

More Affordable

Wyoming is $390/yr cheaper on average.

Fewer Uninsured

Wyoming has a lower uninsured rate (5.8% vs 10.6%).

Rate & Coverage Comparison

Attribute	District of Columbia	Wyoming
Avg Annual Premium	$1,820	$1,430
Min Liability	$600	$470
Full Coverage	$1,820	$1,430
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	10.6%	5.8%
Registered Vehicles	565,800	473,140
Accidents/Year	8,487	7,097
Population	690,000	577,000

Minimum Coverage Requirements

District of Columbia

25/50 / 10 liability

Wyoming

25/50 / 20 liability

Premium Comparison

District of Columbia$600 – $1,820

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

Wyoming$470 – $1,430

Liability: $470Avg: $1,430Full: $1,430

District of ColumbiaFull rates, age breakdown, requirements →WyomingFull 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 Wyoming?

Wyoming has cheaper car insurance, with an average annual premium of $1,430 compared to $1,820 in District of Columbia - a difference of $390 per year.

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

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

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

District of Columbia requires 25/50 / 10 liability. Wyoming requires 25/50 / 20 liability. Minimum liability costs $600/yr in District of Columbia and $470/yr in Wyoming.

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

District of Columbia has a higher uninsured driver rate at 10.6%, compared to 5.8% in Wyoming. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the District of Columbia vs Wyoming 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

Wyoming

Avg Annual Premium

$1,820

$1,430

Min Liability

$600

$470

Full Coverage

$1,820

$1,430

Fault System

At-Fault (Tort)

Uninsured Rate

10.6%

5.8%

Registered Vehicles

565,800

473,140

Accidents/Year

8,487

7,097

Population

690,000

577,000