: 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
: $25,000 per person / $50,000 per accident.
: 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 the lowest average rates for full coverage at approximately $1,870 per year.
: High rates in the District are attributed to intense traffic congestion, high theft and carjacking rates—ranking second in the nation—and rising medical and vehicle repair costs according to Bankrate .
While costs are high, some providers offer more competitive rates for D.C. residents:
