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Car Insurance in Washington DC (Updated May 2024)

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ProgressiveLiberty MutualRoot
The GeneralAmerican FamilyElephant

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Washington DC Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Washington DC however, drivers are paying 5% less for car insurance than the national average, with Full Coverage costing Washington DC drivers an average of $180 per month

Similar to other states, the rates in Washington DC can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Washington DC. Read on to learn more about properly insuring your car in Washington DC. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 

Washington DC Car Insurance Laws

Washington DC operates under a unique auto insurance framework, blending elements of both fault and no-fault systems. You can choose a traditional fault-based coverage or a no-fault personal injury protection (PIP) coverage.

If you opt for PIP coverage and are involved in an accident, you have a post-accident 60-day window to choose no-fault benefits. This prevents you from filing a claim against the at-fault driver unless their injuries surpass certain severity thresholds, such as substantial permanent scarring, disfigurement, or specific impairments as defined by law.

Washington DC’s car insurance minimums

Washington DC requires that you carry a minimum liability coverage of 25/50/10. This translates to:

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

Drivers must also carry uninsured motorist insurance for property damage and bodily injury. Minimum coverage amounts for uninsured motorist insurance are:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $5,000 for property damage (subject to a $200 deductible)

Proof of Insurance 

There is no grace period for driving uninsured in DC. ” 

There is no grace period for driving uninsured in D.C. You may face severe penalties for driving without auto insurance, including suspension of vehicle registration or reciprocity sticker, immobilization of the vehicle, and substantial fines.

Frequently Asked Questions
What is the quickest way to reduce my insurance premium in Washington DC?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Washington DC?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Washington DC?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.

🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.