Average car insurance cost in Washington, D.C. (2026)
Drivers in Washington, D.C. pay an average of $227 a month for full coverage and $131 a month for liability only.
Full coverage / month
$227
Liability only / month
$131
Full coverage / year
$2,724
Liability only / year
$1,572
Cost rank
#10 of 51
1 = most expensive. Liability-only rank: #11.
Averages are a starting point. Estimate your cost in Washington, D.C.
How Washington, D.C. compares
The full-coverage average of $227 is 30% above the average across states ($174), and the liability-only average of $131 is 34% above the average across states ($98). Washington, D.C. is one of the 10 most expensive places in our table. That is $74 a month below Maryland, the highest, and $142 above New Hampshire, the lowest.
Full coverage vs liability only in Washington, D.C.
Full coverage costs $96 more per month than liability only in Washington, D.C., or $1,152 more per year. That gap is wider than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to Washington, D.C. by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| Connecticut | $225 | $161 | -$2 |
| Michigan | $230 | $131 | +$3 |
| Florida | $235 | $143 | +$8 |
| New York | $217 | $145 | -$10 |
| Colorado | $217 | $97 | -$10 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the Washington, D.C. averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $227 | $131 |
| Same driver, age 20-24 | $329 | $190 |
| Same driver, one ticket | $277 | $160 |
| Same driver, one at-fault accident | $322 | $186 |
| Same driver, sports car | $295 | $170 |
Frequently asked questions
How much does car insurance cost in Washington, D.C.?
The average in Washington, D.C. is $227 a month ($2,724 a year) for full coverage and $131 a month ($1,572 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.
Is car insurance in Washington, D.C. expensive compared with other states?
Washington, D.C. ranks 10th highest of the 50 states and D.C. for full coverage. Its full-coverage average is 30% above the average across states of $174 a month.
How much more does full coverage cost than liability only in Washington, D.C.?
On average, full coverage costs $96 more per month in Washington, D.C., or $1,152 more per year. That is 73% more than the liability-only average.
How much could an at-fault accident change an estimate in Washington, D.C.?
With our illustrative 1.42 factor, a baseline full-coverage estimate in Washington, D.C. rises from $227 to about $322 a month, or about $95 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.