District of Columbia auto insurance averages - $1,676.99 per year in 2023, ranked #4 of 51 states. NAIC Auto Insurance Database (June 2025 release).
District of Columbia sits above the 2023 national average expenditure; figures are NAIC Auto Insurance Database averages, not personal quotes.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $1,676.99 ▲11.7% | $891 |
| 2022 | $1,501.41 ▲4.7% | $806 |
| 2021 | $1,434.16 ▲1.6% | $791 |
| 2020 | $1,411.28 ▼2.0% | $792 |
| 2019 | $1,439.99 | $821 |
Evidence lead: 2023 cost position
District of Columbia's strongest visible signal here is its gap to the national average expenditure. The cards below separate that level gap from change, annual shape, component mix, and registry coverage - descriptive only, not a quote.
2023 cost position
District of Columbia's $1,676.99 average expenditure ranks #4 of 51. This is the dataset's highest-cost tier. The comparison uses average expenditure—the blended amount paid across purchased coverages—not an individual quote or the unweighted sum of the component premiums.
Coverage-component signature
District of Columbia's most distinctive 2023 component is collision: $663.87, or 55.5% above the 51-jurisdiction average of $426.80. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Year-by-year shape
District of Columbia's only decline is a shallow -2.0% in 2020 — small enough that the five-year climb barely registers it. The largest annual movement is instead the 2023 reading at +11.7%, and the latest step is +11.7%. This is a rising series with one flat spot, not a genuine reversal.
Five-year movement
From 2019 to 2023, District of Columbia changed +16.5%, ranking #32 of 51 for growth in average expenditure. The state moved more slowly than the central cohort. A slower statewide change does not imply a particular resident's renewal was stable; the source tracks an aggregate across the market.
Narrow registry context
District of Columbia's complaint lookup is comparatively narrow: 1 represented companies and 203 records, ranking #51 and #51 among 51 jurisdictions. The smaller footprint makes the displayed denominators essential context. It must not be converted into a complaint-rate judgment or used as a causal story for the separate auto-cost series.
Nearest expenditure peers. By average expenditure, District of Columbia's closest peers in this dataset are Louisiana ($1,749.22) and New York ($1,752.55), both within a few dollars of District of Columbia's own $1,676.99.
Note on state comparisons: These averages reflect the mix of coverages purchased in District of Columbia, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
