How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

How does Washington DC compare to the national average?
Washington DC average car insurance cost:  $1,799 / year
Washington DC car thefts per 1,000:  3.26
Washington DC average time spent commuting:  30.8 minutes

Washington, DC Car Insurance FAQ - Quick Answers

On average, Washington, DC car insurance costs $1,799, which is much higher than the national average of $1,311. To help minimize premiums, connect with a local adviser for price comparisons.

In Washington, DC, you can obtain a variety of coverages on your auto policy, but there are some that come standard. Check out which limits you'll typically find on your car insurance:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Personal injury protection: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.

Washington, DC is a no-fault state when it comes to your car insurance. That means that both parties, not matter who's at fault for an accident, draw from their own policy for coverage first. The minimum limits of liability that are required by Washington, DC law are $25,000 per person/ $50,000 per accident/ $10,000 property damage. Uninsured motorist bodily injury is also required at the same limits.

In Washington, DC, 15.6% of drivers on the road are uninsured. And since not everyone follows the rules, you're at risk. Fortunately, uninsured motorist coverage helps pay for damage or injury sustained from a loss that's an uninsured driver's fault. 

Finding the best car insurance carriers to do business with doesn't have to be a challenge. In Washington, DC, Progressive, Stillwater, and RLI insurance companies are among the most used. This is due to their superior claims service and broad coverage offerings.

  • $25,000 per person of bodily injury liability
  • $50,000 per accident of bodily injury liability 
  • $10,000 in property damage liability
  • $25,000/$50,000/$10,000 for uninsured motorist coverage

Do You Know What Your Washington, DC Car Insurance Covers?

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