Average insurance rates across 1 cities in District of Columbia
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Washington | 689,545 | $2,208 | $2,967 | $486/mo | $25/mo |
District of Columbia residents pay an average of $1,600 per year for home insurance and $2,150 for auto insurance. District of Columbia follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/10.
Health insurance in District of Columbia averages $460 per month for an individual Silver marketplace plan. The weather risk level is low, with moderate natural disaster risk. Top insurance providers in District of Columbia include State Farm, Geico, Allstate.
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Policygenius The ZebraThe average home insurance cost in District of Columbia is $1,600 per year. Rates range from $1,000 to $2,300 depending on home value, location, and coverage level.
Auto insurance in District of Columbia averages $2,150 per year for full coverage. The state minimum coverage is 25/50/10.
Yes, District of Columbia has above-average insurance costs, with home insurance at $1,600/yr and auto at $2,150/yr compared to national averages of $2,300 and $1,800 respectively.
District of Columbia requires minimum liability coverage of 25/50/10 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.