DISTRICT OF COLUMBIA
The Capital of the United States
Compare D.C. Auto Insurance Quotes From Multiple Companies
District of Columbia Auto Insurance
Living in the District of Columbia is many things, but boring is not one of them. Inside this 68.25 square-mile district, decisions made almost daily that strongly impact the nation and even the world. For people who live and work in D.C., a decision must be made as to what type of Auto Insurance is required in order to protect themselves from costs that arise from being involved in an accident.
Auto Insurance rates in D.C. can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help!
Try our simple form for an AIS Instant Quote®. This quote will be a range of our Auto Insurance partners' rates for the coverage you select. And you can pick the price you like, too.
Required Auto Insurance in the District of Columbia
If your residence is located within the boundaries of D.C., then the laws dictate that you must carry at least two different types of Auto Insurance. One is known as Liability Insurance, which will cover the expenses associated with damage to other vehicles and/or injuries to their drivers should you have the misfortune of causing an auto accident. The other type of coverage required is Uninsured Motorist Insurance, which protects you in the event that you or your passengers are hurt. It also covers you if your vehicle is damaged because of the recklessness or negligence of a driver who does not have the proper Auto Insurance coverage. Also, if you choose, you can purchase a policy with a "no-fault" option, which will pay for any bodily injury-related costs you incur regardless of who was found liable in the accident.
State Minimum Liability Coverage in the District of Columbia
- BI or Bodily Injury: $25,000 per person, $50,000 per accident
- PD or Property Damage: $10,000 per accident
State Minimum Uninsured Motorist Coverage in the District of Columbia
- BI or Bodily Injury: $25,000 per person, $50,000 per accident
- PD or Property Damage: $5,000 subject to a deductible of $200
To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.
Optional Coverage in the District of Columbia
Even with all the mandatory Auto Insurance coverage for D.C. drivers, you still may not feel adequately protected from all of the potential mishaps you can encounter while driving. Thus, you might want to consider purchasing one or more optional policies that will reduce the odds of experiencing fiscal problems caused by a lack of adequate Auto Insurance coverage.
Below are some examples you may want to consider:
- Personal Injury Protection (PIP): This type of coverage pays for the costs related to any bodily injuries that you or your passengers may sustain in an auto accident no matter who is at fault. This can be especially helpful in collisions that occur in parking lots, on private property or other places where regular traffic laws do not apply.
- Collision Coverage*: Many types of auto damage result not from a multi-vehicle collision but from running into a pole, tree, wall or other object. And since the typical car repair bill is about $3,000, you could be left without a working vehicle for a long time if you don't have the money to fix it. Collision coverage will pay the repair shop to take care of the damage to your car, so you don't have to dig deep into your pockets to cover the costs.
- Comprehensive Coverage*: Auto theft is all too common in the District of Columbia. Comprehensive Insurance will reimburse you for the value of your vehicle if it is stolen and not recovered. This coverage also compensates you if your vehicle is vandalized, burned or damaged by flooding or inclement weather.
- Higher Bodily Injury Limits: If you are held responsible for causing an accident, injuries to multiple people (or even a single serious injury) can result in bodily injury costs that exceed the D.C. minimum of $50,000. For this reason, AIS suggests that you increase the limits on your liability policy for bodily injury coverage. With health care costs rising, you don't want to find yourself in a situation where you're paying for medical bills out of your own pocket.
- Higher Property Damage Limits: There are a lot of expensive cars in D.C. If you have the misfortune to collide with one of them and cause significant damage, the statutory minimum property damage limit of $10,000 probably won’t be enough to fix it. That means you'll have to come up with the remainder of the repair bill on your own. Increasing your Property Damage limits on your Liability policy can help you avoid this potential financial disaster.
*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.
You won't be breaking any laws if you forgo the purchase of optional insurance coverage. However, if you think that these types of coverage can benefit you, a licensed Insurance Specialist at AIS will be happy to provide you with additional information.
Most Stolen Car Models in the
District of Columbia
If you drive a car that tends to be targeted for theft, you could see higher Auto Insurance rates for your vehicle. In 2017, these were the top 10 cars that were stolen in the District of Columbia according to www.nicb.org:
- Honda Accord
- Toyota Camry
- Dodge Caravan
- Nissan Altima
- Honda Civic
- Hyundai Sonata
- Toyota Corolla
- Jeep Cherokee/Grand Cherokee
- Ford Pickup (Full Size)
- Dodge Charger
District of Columbia Auto Insurance Discounts
Driving and living in D.C. can be pricey, so you probably try to save some money wherever you can. Fortunately, there is a wide range of Auto Insurance discounts that you may qualify, and they could add up to significant savings on your premium every month.
Examples of District of Columbia Auto Insurance discounts include:
- Safe Driver
- Good Student
- Accident Free
To learn more about specific discounts, visit our Discounts page.
D.C. life can be exciting, fast-paced and invigorating. But like any other urban area, the District of Columbia has its share of perils and dangers that adversely impact drivers. That's why Auto Insurance is so essential, as it can help protect D.C. residents from the pitfalls associated with auto accidents and other mishaps. Auto Insurance Specialists has been a trusted source of information and assistance for American drivers for over four decades. Let the professionals at AIS work for you in getting a District of Columbia Auto Insurance policy that is ideal for your needs.