Renters and home insurance rates in District of Columbia

Name: HomeCover HQ Rates Index: District of Columbia
Creator: HomeCover HQ
Published: 2026-08-17
License: https://homecoverhq.com/terms

The NAIC's published average premiums for District of Columbia by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.

Figures are published averages, never quotes; methodology at the foot of the page.

average renters premium (HO-4), per year: $153
average homeowners premium (HO-3), per year: $1,384
renter households: 189,268

By state

District of Columbia among the states

California5,940,036
Texas4,023,511
New York3,504,163
Florida2,794,102
Illinois1,658,870
Pennsylvania1,605,715
Ohio1,594,003
North Carolina1,408,252
Georgia1,388,484
New Jersey1,262,873
Michigan1,094,011
Virginia1,091,768
District of Columbia189,268 (this)

Table view

Row	Value
California	5,940,036
Texas	4,023,511
New York	3,504,163
Florida	2,794,102
Illinois	1,658,870
Pennsylvania	1,605,715
Ohio	1,594,003
North Carolina	1,408,252
Georgia	1,388,484
New Jersey	1,262,873
Michigan	1,094,011
Virginia	1,091,768
District of Columbia	189,268 (this)

By county


District of Columbia	189,268	$1,900	$724,600

Download the District of Columbia county-level dataset (CSV), free to reuse with citation.

Sources, citation and related pages

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The average annual renters insurance premium in District of Columbia was $153 in 2022, across 189,268 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).

Cite as: "HomeCover HQ Rates Index: District of Columbia", updated 2026-08-17, https://homecoverhq.com/rates/district-of-columbia/.

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Average annual renters insurance premium · District of Columbia · 2022

$153

renter households	189,268

Source: HomeCover HQ Rates Index: District of Columbia

<figure style="margin:0;max-width:340px;padding:16px 18px;border:1px solid #e2e8f0;border-radius:10px;background:#ffffff;color:#0f172a;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;line-height:1.4;"><figcaption style="margin:0 0 6px;font-size:11px;letter-spacing:.04em;text-transform:uppercase;color:#64748b;background:#ffffff;">Average annual renters insurance premium &middot; District of Columbia &middot; 2022</figcaption><p style="margin:0;font-size:26px;font-weight:700;color:#0f172a;background:#ffffff;">$153<span style="font-size:14px;font-weight:400;color:#64748b;"></span></p><table style="width:100%;border-collapse:collapse;margin:10px 0 0;font-size:13px;background:#ffffff;border:0;"><tbody style="background:#ffffff;"><tr style="background:#ffffff;"><th scope="row" style="text-align:left;font-weight:400;color:#64748b;background:#ffffff;border:0;padding:3px 0;">renter households</th><td style="text-align:right;font-weight:600;color:#0f172a;background:#ffffff;border:0;padding:3px 0;">189,268</td></tr></tbody></table><p style="margin:12px 0 0;font-size:12px;color:#64748b;background:#ffffff;">Source: <a href="https://homecoverhq.com/rates/district-of-columbia/#stats" style="color:#2563eb;background:#ffffff;text-decoration:underline;">HomeCover HQ Rates Index: District of Columbia</a></p></figure>

Source: NAIC Homeowners Report average premiums (2022 data year) and US Census ACS 5-year (2023) county housing records, computed 2026-08-17.

content.naic.org NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance Report (2022 data) (NAIC public report)

www2.census.gov US Census Bureau ACS 5-year (2023) tables B25003/B25064/B25077 (US Government public domain)
www2.census.gov Census 2023 Gazetteer, counties (US Government public domain)

Methodology: State average premiums by policy form (HO-3 owner-occupied, HO-4 tenant/renters, HO-6 condo, plus HO-2/HO-5 where published) are the NAIC Dwelling Fire/Homeowners report's 2022 data year, transcribed per state and cross-checked against the countrywide row; the NAIC does not publish county premiums, so county rows carry Census ACS 5-year (2023) records instead: total households, renter-occupied households, median gross rent and median home value per county FIPS. County names and centroids come from the Census 2023 Gazetteer. Puerto Rico and territory counties are excluded (no NAIC premium row). Figures describe published filings and Census records, never quotes: your premium depends on carrier, coverage and property.

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