Washington D.C. Car Insurance Requirements (2024)
Whether you're a resident or visitor in Washington D.C., understanding the car insurance requirements is crucial. Our in-depth resource sheds light on the necessary coverage and assists you in making informed decisions. Discover the right protection for your vehicle and drive with confidence, knowing you have the knowledge to navigate the insurance maze.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Oct 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Welcome to our comprehensive guide on Washington D.C. car insurance requirements. Whether you’re a resident or planning to visit the vibrant capital, understanding the insurance landscape is essential. In this article, we’ll delve into the key topics surrounding car insurance in Washington D.C., including the minimum coverage requirements mandated by the state, additional optional coverages to consider in the area.
By the end of this guide, you’ll be equipped with the knowledge you need to make informed decisions about your car insurance. To ensure you get the best rates tailored to your specific needs, enter your ZIP code below and compare quotes from top insurance providers. Secure your peace of mind and financial protection on the roads of Washington D.C. today.
Required Coverage
All personal vehicles in Washington D.C. require the following liability coverage requirements:
- Bodily Injury
- Property Damage
Additionally, drivers are required to have the following coverage:
- Uninsured Motorist Bodily Injury
- Uninsured Property Damage
| Minimum Washington D.C. Car Insurance Requirements | |||
|---|---|---|---|
| Bodily Injury Liability | $25,000 / $50,000 Limit | ||
| Property Damage Liability | $10,000 Limit | ||
| Uninsured Motorist Bodily Injury | $25,000 / $50,000 Limit | ||
| Uninsured Property Damage | $5,000 subject to $200 deductible | ||
Additional insurance coverage can include:
- Comprehensive and Collision Coverage
Collision and comprehensive coverage are optionally, but are beneficial in helping cover the expenses of repairing or replacing your vehicle. Collision covers any collision related incidents such as getting hit by another driver. Comprehensive covers all non-collision related incidents such as having your vehicle stolen or flood damage. Even if your vehicle isn’t on the list of most stolen vehicles in Washington D.C., you should consider having this coverage.
Proof of Insurance and Financial Responsibility
Establishing proof of insurance and financial responsibility
- Get a standard liability car insurance policy
Required Documentation
In order to provide proof of insurance, you can provide one of the following:
- Insurance ID Card
- Copy of Insurance Policy
- Any document issued by your insurance company listing the name of the company, policy number, period of coverage and names of those insured
You must maintain proof of insurance and financial responsibility and present it:
- When asked by a police officer
- After an accident
- During registration or renewing registration of a vehicle
- Anytime you are operating a vehicle
Failure to Maintain Financial Responsibility Penalties
If you are unable to show proof of insurance when asked, you can face the following penalties:
- Suspension of registration tags and reciprocity sticker
- Fine of $30 for not being able to show proof of insurance
- Fine of $150 for a lapse of 30 days or less
- Fine of $7 per day for lapse over 30 days up to $2,500
Washington D.C. Insurance Agents
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Frequently Asked Questions
Is car insurance mandatory in Washington D.C.?
Yes, car insurance is mandatory in Washington D.C. All drivers are required to carry liability insurance that meets the state’s minimum requirements.
What are the minimum car insurance requirements in Washington D.C.?
The minimum car insurance requirements in Washington D.C. are:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage per accident
What is liability insurance?
Liability insurance is insurance that covers the costs associated with bodily injury and property damage you may cause to others while driving. In Washington D.C., drivers are required to carry liability insurance.
Is it a good idea to get more than the minimum car insurance required in Washington D.C.?
It can be a good idea to get more than the minimum car insurance required in Washington D.C. If you cause an accident that results in damages or injuries that exceed your coverage limits, you may be personally responsible for paying the difference. Additional coverage can help protect you from this risk.
What other types of car insurance coverage are available in Washington D.C.?
In addition to liability insurance, other types of car insurance coverage that may be available in Washington D.C. include collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP) coverage.
What is collision coverage?
Collision coverage is insurance that covers the cost of damage to your vehicle resulting from a collision with another car or object. This coverage is optional in Washington D.C.
What is comprehensive coverage?
Comprehensive coverage is insurance that covers the cost of damage to your vehicle resulting from non-collision events such as theft, vandalism, or weather-related damage. This coverage is optional in Washington D.C.
What is uninsured/underinsured motorist coverage?
Uninsured/underinsured motorist coverage is insurance that provides coverage if you are involved in an accident with a driver who does not have insurance or who does not have enough insurance to cover the damages. This coverage is optional in Washington D.C.
What is personal injury protection (PIP) coverage?
Personal injury protection (PIP) coverage is insurance that covers medical expenses and lost wages if you or your passengers are injured in an accident, regardless of who is at fault. This coverage is optional in Washington D.C.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.