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District of Columbia car insurance

District of Columbia Auto Insurance

Compare Auto Insurance in Washington, D.C.

DC Auto Insurance Minimums

  • $25,000 bodily injury for one person
  • $50,000 per accident
  • $10,000 property damage
  • Click to read more on District of Columbia.

DC DUI Laws

  • DUI is considered a BAC of 0.08%.
  • Enhanced sentencing for BAC of 0.15% and higher.
  • Click to read more on District of Columbia.

DC SR-22 Auto Insurance Requirements

  • SR-22 may be required for a number of reasons.
  • Click here for all SR-22 requirements in District of Columbia.

DC Hands-Free Laws

  • The District of Columbia has strict laws regarding the use of handheld electronic devices when operating a motor vehicle.
  • Overall, it is illegal to use a cell phone for any purpose while driving a motor vehicle.
  • Click here for Hands-Free laws in District of Columbia.
By knowing what to ask and thoughtfully listening to your questions and concerns, a good agent can put together a policy which is just right for you- one that protects you and your property as well as your assets. A trusted professional agent will stand by you when you have to submit a claim and will work hard to ensure that your policy is up-to-date and continues to meet your needs and personal situation. Circumstances can change over time and it is the business of a good agent to adapt your policy to any such changes.

If are interested in getting a quote from a qualified agent, use our Agent Locator to find an extensive list of agents in your local area. Any one of these professional agents will work hard to make sure you get the best auto insurance policy available that meets both your needs and budget.

If you are involved in an auto accident and found to be responsible, the last thing you want to be is underinsured. The time to plan for this situation is when you are selecting the types of coverage to be included in your personal auto insurance policy. The importance of having the proper amount of coverage cannot be over-emphasized.

Your insurance policy is basically a contract between you and your insurance company. You agree to pay the premium and the insurance company agrees to pay for losses and/or damages in the event of an accident. It's important to remember when drawing up your personal policy that most states only require minimum coverage amounts. Most insurance experts agree that you should base your deductibles and types of coverage on your personal needs and circumstances.

Being underinsured can be almost as devastating as having no insurance. When speaking with your agent, be sure to take into consideration all aspects of your situation- family, income, and personal assets- when putting together your auto insurance policy.

If you are deemed responsible for an auto accident which results in injury to another person or persons, bodily injury liability coverage provides funds for accident-related medical expenses, lost wages, and pain and suffering. Washington, D.C. requires the following minimum coverage amounts to be purchased and maintained by all motorists:

  • $25,000 total for bodily injury coverage, per person
  • $50,000 total for bodily injury coverage, per accident
  • $10,000 total for property damage, per accident

The District of Columbia also mandates that all drivers carry Uninsured Motorist coverage. This covers your own bodily injuries if you are the victim of a hit-and-run or are hit by a driver who is at fault but has no insurance. The minimum coverage amounts are:

  • $25,000 total, per person
  • $50,000 total, per accident
  • $5,000 total (with $200 deductible), property damage per accident

When putting together your auto insurance policy, it's important to remember that whatever amount you select is the maximum amount that your insurance provider will pay out on a claim. The minimum amounts as required by law are often times not enough to fully cover damages which occur in an accident for which you are responsible. Therefore, you may want to consider choosing higher amounts of insurance coverage when you purchase your policy.

Your auto insurance agent is a knowledgeable and trusted source for information regarding your state's minimum requirements. Your agent can also offer sound and practical advice when it comes to selecting other types of auto insurance coverage to protect yourself financially. These may include Collision Coverage or Comprehensive Coverage, for example.

For any other concerns or questions, please contact:

Washington, District of Columbia Department of Insurance, Securities and Banking
810 First St. NE
Suite 701
Washington, DC 20002
(202) 727-8000

District of Columbia Car Insurance Agents


If you live in the District of Columbia and are looking for an auto insurance agent to help you with your insurance needs, you've come to the right place.

Auto insurance agents are fully qualified professionals whose goal is to make the process of buying auto insurance easy and enjoyable for you- their customer. They are also able to compare coverage and prices from many different sources- including most of the leading, well-respected insurance companies in the country. This allows them to formulate the right Washington, D.C. Auto Insurance policy for each individual client in terms of coverage and cost.

Tips to saving money on your insurance premiums


  • Maintain a clean driving record. This can add up to big savings when buying auto insurance.
  • If you have a teenage driver in the family, ask about a good student discount.
  • Bundle your insurance policies. Purchasing life, home, auto and other insurance policies from one company can sometimes earn you up to 10% or more off the total cost of your premiums.
  • Raise your deductible. Remember, the higher your deductible, the lower the cost.
  • Reduce coverage on an older vehicle, especially if it's paid for.
  • Improve your credit score. Many insurance companies use your credit score to determine the cost of your premium. Be sure to check your score before applying for new insurance to make sure it is accurate and up-to-date.
  • Shop around and compare prices from different companies.

You can be confident that when you work with a professional insurance agent you are getting a comprehensive auto insurance policy that is tailored specifically to your needs and budget. Being aware of these money-saving tips can add up to even more savings for you!

These days, a very large percentage of commerce takes place online. You can get a District of Columbia Auto Insurance quote quickly and easily with CarInsurance.info. If you're looking for a great deal on auto insurance, you'll need to compare insurance houses, and CarInsurance.info makes it easy to do that. You can get quotes from all of the best and most reliable auto insurance companies. We work with you to get the best rate.

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