: Erie was identified by NerdWallet as having the lowest average rates for full coverage at approximately $1,870 per year.
: 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
AI responses may include mistakes. For financial advice, consult a professional. Learn more auto insurance washington d.c.
Auto Insurance in Washington, D.C.: Rates and Requirements Washington, D.C., is currently facing one of the most expensive auto insurance markets in the United States, with average full-coverage premiums reaching , an 18% increase from the previous year according to reports from DC News Now . Current Legal Requirements
: 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. : Erie was identified by NerdWallet as having
While costs are high, some providers offer more competitive rates for D.C. residents:
The DC Department of Motor Vehicles (DMV) requires all registered vehicles to maintain continuous liability and uninsured motorist coverage. Proof of insurance is required to register a vehicle and must be presented during police stops; electronic proof is legally accepted on mobile devices. The current mandatory minimums are: For financial advice, consult a professional
: $5,000 per accident (subject to a $200 deductible). Key Market Trends and News