The average annual cost of full coverage car insurance in D.C. is $1,855. This rate is higher than the national average of $1,674. The required minimum liability car insurance is $704 annually, higher than the national average of $565.
Your insurance rates are based on many factors, such as your driving record and your age. Because D.C. is no-fault, there are added coverages to the minimum liability, including uninsured motorist coverage (UIM).
What Is the Average Premium in Washington, D.C. for Cheap Full Coverage Car Insurance?
In DC, the average cost of full coverage car insurance is $155 per month. Full coverage consists of the required liability, plus collision car insurance and comprehensive auto insurance. If your vehicle is financed, your lender will most likely require full coverage.
One of the best ways drivers can stay protected on the road is to obtain collision and comprehensive coverage. Collision coverage covers damages (repair or replacement costs) due to vehicle collisions, whereas comprehensive coverage protects against things outside your control, such as theft, hail, and vandalism.
How Much Is It for Just the Minimum Required Car Insurance in D.C.?
The minimum cost of car insurance in D.C. is $59 per month. This will provide you with bodily injury/death liability insurance and property damage liability insurance, plus UIM.
Because D.C. is no-fault, your own insurance protection will cover you in an accident, no matter who is at fault – although some portion of recovery can be assigned to an at-fault driver. Insurance companies in DC must offer Personal Injury Protection, although it is not required. However, since DC is a no-fault area, it would be prudent to accept this protection that will pay for certain medical costs, lost wages and more if you are involved in an accident.