District of Columbia Auto Insurance
Living in the District of Columbia is many things, but it is never boring. Inside this 68.25 square-mile district, decisions are made almost on a daily basis that strongly impact the nation and the world. For people who live and work in D.C., a decision must be made as to what type of auto insurance they must have 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 District of Columbia
If your residence is located within the boundaries of the District, then the laws dictate that you carry at least two different types of auto insurance. One is known as liability coverage, 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 is uninsured motorist insurance, which protects you in the event that you or your passengers are hurt and your vehicle is damaged because of the recklessness or negligence of a driver who does not have auto insurance. 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:
- $25,000 per person, per accident for bodily injury
- $50,000 per accident for bodily injury
- $5,000 in property damage, minus a $200 deductible
To learn more about specific auto insurance coverage, visit our Car Insurance Coverage page.
Optional Coverage in District of Columbia to Consider
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 that you may encounter while driving in the District. So 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 whose fault it is. This can be especially helpful in collisions which 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 pocket to cover the costs.
- Comprehensive Coverage - Auto theft is all too common in D.C. Comprehensive insurance will reimburse you for the value of your vehicle if it is stolen and not recovered. This coverage also pays 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 might not be enough to fix it - meaning 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 troubling situation.
You won't be breaking any laws if you forgo the purchase of an optional insurance policy. However, if you think that these types of coverage can benefit you, a licensed insurance specialist at AIS would be happy to provide you with additional information.
District of Columbia Auto Insurance Discounts
Driving and living in D.C. can be pricey, so you probably try to save a little money whenever you can. Fortunately, there is a wide range of discounts for which you may qualify, and they could add up to significant savings for you each month.
Examples of discounts include:
- Safe driver
- Good student
- Accident free
- And more…
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 has its share of perils and dangers that can adversely impact drivers. That's why auto insurance is so essential; 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!
Start a District of Columbia Insurance Quote Today: (888) 772-4247