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Average Automobile Insurance Cost in Washington, DC per Month (NAIC 2024 Data)

By AutoInsuranceBundle.pro · Published November 6, 2026 · Reviewed November 6, 2026

Short answer: The average automobile insurance cost in Washington, DC was $1,840.36 per insured vehicle in 2024, according to the NAIC 2024 Auto Insurance Database Average Premium Supplement (Table 4, published September 2026). Divided by 12, that annual figure is $153.36 per month. That monthly number is the official annual average split into 12 equal parts. It is not a quoted monthly premium, and the NAIC does not publish a DC figure by age or a live calculator.

⬇ Download the free PDF (Washington, DC car insurance cost) 2-page PDF with DC vs the U.S., Maryland and Virginia, monthly equivalents, and how to cite

Average automobile insurance cost in Washington, DC

Annual figures are from the NAIC 2024 Auto Insurance Database Average Premium Supplement, Table 4 (downloaded 2026-11-06). The monthly column and the percentage changes are our arithmetic (2024 annual divided by 12, and 2024 versus 2023). The monthly figure is not a quoted monthly premium. Download the Washington, DC cost PDF. Every state is in the national cost PDF.

The NAIC’s own write-up notes that the District of Columbia is entirely urban and that direct comparisons between jurisdictions should be treated with a high degree of caution, because laws, traffic, coverage choices and demographics differ.

What “average automobile insurance cost” means here

Average expenditure is total written premium for liability, collision and comprehensive divided by liability written car-years. It estimates what consumers spent, on average, for auto insurance. It assumes every insured vehicle has liability coverage but not necessarily collision or comprehensive.

It is not your quote. Drivers who buy only liability typically spend less than this average. Drivers who buy full coverage on a newer car in a dense ZIP code often spend more. The NAIC does not break the DC table out by age, credit, mileage or ZIP code.

2024 is the latest year in this NAIC series. The supplement was published in September 2026. Prices on a 2026 policy can be different.

How much is automobile insurance in Washington, DC per month?

If you take the official 2024 DC annual average of $1,840.36 and divide by 12, you get $153.36 per month. The same method puts the U.S. average at $119.30, Maryland at $135.51 and Virginia at $101.46.

Insurers do not have to bill that way. Some quotes are shown per month, some every six months, and some include a down payment or installment fee that a simple divide-by-12 misses. For why a very low advertised monthly price can jump once your details are applied, see Why Does a $29/Month Car Insurance Quote End Up $100+?.

There is no official “automobile insurance cost in Washington, DC calculator” in the NAIC report, and this page does not include a live calculator. The table above is the estimate method: start from the published annual average, divide by 12, then remember that your own price depends on the car, the drivers, the coverage and the insurer.

Automobile insurance cost in Washington, DC for seniors

The NAIC 2024 supplement does not publish a Washington, DC average for seniors, or for any other age group. We do not invent a senior-specific DC premium.

Age can be a rating factor under many insurers’ rules, but that is not the same as an official average. If you are comparing policies for an older driver, ask each insurer to quote the same coverages and the same household drivers. A crash, not age alone, is what our senior driver accident guide is about.

“Cheapest” or “best” automobile insurance cost in Washington, DC

This page does not rank insurers and does not name a cheapest or best company in Washington, DC. The NAIC table is an all-company average expenditure, not a shopping list.

“Cheapest” search results often mix liability-only teasers with full-coverage prices. “Best” is not a number the NAIC publishes. What you can do with this data is see that DC’s 2024 average sat well above the countrywide figure and above Maryland and Virginia, then compare current quotes for the same limits.

If prices have gone up even without a crash, see Why Did My Car Insurance Go Up With No Accidents?. All 50 states and DC are on our national NAIC statistics page.

How to use these figures (not a live calculator)

1. Start with the official 2024 DC average expenditure: $1,840.36.
2. Divide by 12 if you want a monthly picture: $153.36.
3. Treat that as a benchmark, not a quote.
4. Compare any offer against the same liability limits, deductibles and optional coverages.
5. If you only need a national or other-state figure, use the NAIC by-state page or the by-state PDF.

FAQ

What is the average automobile insurance cost in Washington, DC per month?

Using the NAIC 2024 annual average of $1,840.36 and dividing by 12, about $153.36. That is not a quoted monthly premium.

What is the automobile insurance cost in Washington, DC per month?

The same figure: $153.36 per month if you divide the 2024 NAIC average expenditure by 12.

What is the average automobile insurance cost in Washington, DC for seniors?

The NAIC does not publish a DC average by age, so there is no official senior figure in this dataset.

What is the cheapest automobile insurance cost in Washington, DC?

The NAIC table does not identify a cheapest insurer. It only reports an all-company average expenditure.

What is the best automobile insurance cost in Washington, DC?

The NAIC does not rank companies or publish a “best” DC price. Compare the same coverages across quotes.

Is there an automobile insurance cost in Washington, DC calculator?

Not an official one in the NAIC report, and this page does not host a live calculator. Dividing the published annual average by 12 is the estimate shown above.

How does Washington, DC compare with the U.S. average?

DC’s 2024 average expenditure ($1,840.36) was $408.73, or 28.5%, above the countrywide average of $1,431.63.

Where can I download these numbers?

Download our Washington, DC cost PDF, the national by-state cost PDF, or the US Car Accident Statistics 2026 PDF.

Important: This article is general information, not legal, tax, or insurance advice, and coverage rules vary by state, insurer, and policy. AutoInsuranceBundle.pro is a free, independent insurance comparison and referral service. We are not an insurance company, we do not issue policies, and we do not provide insurance advice. Calls to the number on this site are routed to licensed insurance agents or agencies in our partner network, who may receive compensation. Calling is completely voluntary and there is no obligation to buy. Rates, discounts, and availability vary by carrier, state, and individual eligibility; not all carriers, products, or discounts are available in all states. Calls may be recorded for quality and compliance purposes.