State profile · DC · CMS + NAIC
District of Columbia drivers average $1677/yr for auto insurance, ranked #4 of 51 states by expenditure; federal marketplace denial filings are not reported for this state-based exchange.
The verdict
District of Columbia runs its own health-insurance marketplace, so federal claim-denial data isn't reported here, but drivers pay an average $1677 a year for auto cover, above the $1191 national average (the 4th-most-expensive of 51 states), up 16% since 2019.
2019: $1440 average expenditure
$1,440 avg expenditure
2020: $1411 average expenditure
$1,411 avg expenditure
2021: $1434 average expenditure
$1,434 avg expenditure
2022: $1501 average expenditure
$1,501 avg expenditure
2023: $1677 average expenditure
$1,677 avg expenditure
What this shows District of Columbia drivers' average auto cost rose 16% between 2019 and 2023.
Year over year, District of Columbia's average auto expenditure rose 11.7% from 2022 to 2023, part of a 16% increase (+$237) since 2019. See the full 5-year state-by-state comparison.
District of Columbia auto rates in detail →District of Columbia: $1677/yr average auto expenditure (this state)
$1,677 avg expenditure
New York: $1753/yr average auto expenditure
$1,753 avg expenditure
Louisiana: $1749/yr average auto expenditure
$1,749 avg expenditure
New Jersey: $1573/yr average auto expenditure
$1,573 avg expenditure
Georgia: $1555/yr average auto expenditure
$1,555 avg expenditure
No issuer-level claim-denial data is reported for District of Columbia in the current CMS dataset.
Evidence map
The order below follows the evidence with the greatest bearing on this state record, while keeping the CMS claims filing, NAIC cost series, and state-rule context distinct.
Auto-cost position
District of Columbia's 2023 average auto expenditure was $1677, 4th of 51 jurisdictions by cost and 40.8% above the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
District of Columbia uses an at-fault (tort) auto-insurance system: the driver responsible for an accident, or their insurer, is liable for the other party's damages -- unlike the 12 no-fault states. District of Columbia's insurance commissioner is an appointed office (in most states, by the governor), not an elected position -- one of 39 states structured this way.
Nearest expenditure peers. By average auto expenditure, District of Columbia's closest peers in PlainInsurer's dataset are Louisiana ($1749/yr) and New York ($1753/yr) -- both within a few dollars of District of Columbia's own $1677/yr.
Border comparison. District of Columbia borders Maryland and Virginia. District of Columbia's auto costs run higher than all of them, by average auto expenditure -- geography is one of several factors (alongside regulation and risk pool) that shapes these differences, not a direct cause.
District of Columbia operates a state-based health-insurance marketplace, so its issuers are not in the federal CMS Transparency-in-Coverage file. For health-plan denial data, consult the District of Columbia Department of Insurance and the state exchange directly.
Rate regulation and guaranty-fund coverage are state-specific, so a state record can differ from an insurer's national average. Sources: CMS Transparency in Coverage PUF PY2026; NAIC 2023 Auto Insurance Database; Insurance Information Institute; Ballotpedia.
State insurance-department directory links come from NAIC. PlainInsurer is not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.