Cheap Car Insurance in District of Columbia
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District of Columbia Car Insurance Minimums
District of Columbia requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$10,000
- Uninsured motorist bodily injury: $25,000/$50,000
- Uninsured motorist property damage: $5,000
Source: D.C. Code § 31-2406 (required insurance incl. UM 25/50 and UMPD $5,000); D.C. Code § 31-2404 (optional PIP), verified 2026-09-01.
What drives car insurance rates in District of Columbia
Average spend per insured vehicle, 2023
$1,677
District of Columbia drivers spent $1,677 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
83.8¢
Auto insurers in District of Columbia paid 83.8 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.33
District of Columbia recorded 47 traffic deaths in 2024, 1.33 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
673.8
District of Columbia reported 4,674 motor vehicle thefts in 2025, 673.8 per 100,000 residents, from 787.2 the year before. Theft claims are paid under comprehensive coverage.
Uninsured drivers, 2023
23.1%
The Insurance Research Council estimates 23.1% of District of Columbia drivers carried no liability insurance in 2023, against 15.4% nationally. Uninsured motorist coverage is what pays when one of them hits you.
Natural-hazard loss rank
#49
FEMA ranks District of Columbia #49 of 51 for expected annual loss from natural hazards; flood accounts for 45% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Uninsured drivers, 2023: Insurance Research Council, 2023 data
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in District of Columbia
The ten insurer groups that wrote the most auto premium in District of Columbia in 2025, with their share of the state total of $496 million.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Berkshire Hathaway Group | 32.89% | $163 million |
| 2 | State Farm Group | 17.16% | $85 million |
| 3 | Progressive Group | 15.09% | $75 million |
| 4 | United Services Automobile Association Group | 10.74% | $53 million |
| 5 | Allstate Insurance Group | 6.57% | $33 million |
| 6 | Travelers Group | 4.26% | $21 million |
| 7 | Erie Insurance Group | 3.45% | $17 million |
| 8 | Liberty Mutual Group | 2.27% | $11 million |
| 9 | Hartford Fire & Casualty Group | 1.53% | $8 million |
| 10 | Csaa Insurance Group | 1.46% | $7 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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