District of Columbia Insurance Guide
Insurance in District of Columbia
Find comprehensive insurance information for District of Columbia (DC) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Northeast region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | District of Columbia (DC) |
| Region | Northeast |
| Population | ~670K residents |
| Health Marketplace | DC Health Link |
| Insurance Regulator | District of Columbia Department of Insurance |
Health Insurance in District of Columbia
District of Columbia residents can find health coverage through:
- DC Health Link - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in District of Columbia
District of Columbia has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in District of Columbia
Protect your home with coverage tailored to District of Columbia’s specific risks and requirements.
Life Insurance in District of Columbia
Find life insurance options available to District of Columbia residents to protect your family’s financial future.
How DC Compares
Understanding how the District of Columbia stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | DC | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,878 | $1,935 | -3% (near average) |
| Health Insurance (monthly) | $378 | $477 | -21% (below average) |
| Home Insurance (annual) | $1,189 | $2,377 | -50% (well below average) |
| Uninsured Rate | 4.5% | 9.5% | -53% (among the best) |
Key Insights
- Health insurance benchmark premiums in DC are among the lowest in the nation (#5), thanks to a competitive DC Health Link marketplace and strong Medicaid expansion.
- DC has one of the lowest uninsured rates in the country (#4), indicating excellent access to coverage.
- Homeowners insurance is significantly cheaper than the national average, ranking among the most affordable jurisdictions.
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- DC Department of Insurance, Securities and Banking (opens in new tab) - District insurance regulator, file complaints, verify licenses
- DC Health Link (opens in new tab) - DC’s official health insurance marketplace
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any DC address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- DC Department of Insurance, Securities and Banking
- Phone
- 202-727-8000
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Washington DC?
How do I get health insurance in Washington DC?
Does DC homeowners insurance cover flood damage?
Is renters insurance required in Washington DC?
What is the average cost of car insurance in Washington DC?
[district-of-columbia] Insurance Types
Compare insurance options available to [district-of-columbia] residents. Requirements and costs vary - learn what coverage you need.
Neighboring State Guides
Explore insurance guides for states bordering District of Columbia: