Car Insurance in Washington DC (Updated May 2024)
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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.
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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.
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Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on 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 partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.