Auto Insurance Washington D.c. Official

: High rates in the District are attributed to intense traffic congestion, high theft and carjacking rates—ranking second in the nation—and rising medical and vehicle repair costs according to Bankrate .

: Erie was identified by NerdWallet as having the lowest average rates for full coverage at approximately $1,870 per year. auto insurance washington d.c.

: $25,000 per person / $50,000 per accident. Property Damage Liability : $10,000 per accident. : High rates in the District are attributed

: $5,000 per accident (subject to a $200 deductible). Key Market Trends and News Property Damage Liability : $10,000 per accident

: Research from the Consumer Federation of America indicates significant racial premium gaps and unaffordability, with drivers in certain ZIP codes paying much higher rates based on credit history rather than driving record alone. Finding Affordable Coverage

: As of April 2026, the D.C. Council is considering legislation that would more than double mandatory minimums to $50,000 per person and $100,000 per accident for bodily injury to ensure crash victims are adequately protected.

While costs are high, some providers offer more competitive rates for D.C. residents: