Washington D.C. Car Insurance Requirements for 2025 (Minimum Coverage in D.C.)
Washington D.C. car insurance requirements include minimum coverage limits of $25,000 per person and $50,000 per accident for bodily injury liability, plus $10,000 for property damage. Washington D.C. car insurance rates can start as low as $20/month, making it easier to meet the WA, D.C's minimum coverage.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 16, 2025
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: May 16, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Meeting Washington D.C.’s car insurance requirements means carrying at least $25,000 per person and $50,000 per accident in bodily injury liability, along with $10,000 in property damage liability. These minimums are necessary to stay compliant and financially protected.
Washington D.C Minimum Car Insurance Requirements & Limits
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $10,000 per accident |
Drivers in D.C. can find coverage starting at just $20/month. Top-rated companies like USAA, State Farm, and Progressive offer some of the lowest rates.
USAA is a top choice for military families, State Farm is known for excellent customer service and discounts, and Progressive offers flexible, affordable policy options.
- Washington D.C. car insurance requirements include liability limits of 25/50/10
- USAA offers the lowest rates in D.C. starting at $20 per month
- Driving without insurance in D.C. can result in fines and license suspension
By comparing these providers, D.C. drivers can secure affordable, dependable coverage that fits their budget and legal requirements. Enter your ZIP code now to compare rates and find the best car insurance for your needs.
Washington D.C. Car Insurance Requirements & What They Cover
Understanding Washington D.C. car insurance coverage is crucial for staying legally compliant and financially protected. The district requires all drivers to carry minimum liability insurance that includes bodily injury liability of $25,000 per person and $50,000 per accident. This coverage pays for medical bills, lost income, and legal expenses if you cause an accident that injures others.
Additionally, property damage liability of at least $10,000 is required to cover the cost of repairing or replacing someone else’s vehicle or property, such as fences or mailboxes.
In line with Washington D.C. car insurance laws, drivers must also carry uninsured motorist coverage, which ensures protection if you’re involved in an accident with an uninsured or underinsured driver.
These extra protections are an important part of any responsible policyholder’s plan, and they are emphasized in any thorough Washington D.C. auto insurance guide to help drivers make informed decisions about their coverage.
Read more: How to Compare Car Insurance Quotes
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Cheapest Car Insurance in Washington D.C.
Finding affordable car insurance in Washington, D.C. is possible when you compare rates from top-rated companies. According to recent rate comparisons, USAA offers the lowest rates in the district, starting at just $30 per month, though eligibility is limited to military members and their families (Read more: USAA Insurance Review & Ratings).
6,589 reviewsCompany Facts
Min. Coverage in WA D.C.
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18,155 reviewsCompany Facts
Min. Coverage in WA D.C.
A.M. Best Rating
Complaint Level
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18,155 reviews
13,283 reviewsCompany Facts
Min. Coverage in WA D.C.
A.M. Best Rating
Complaint Level
Pros & Cons
13,283 reviewsState Farm follows with rates around $69 per month, offering strong customer service and a variety of discounts. Progressive comes in close at approximately $72 per month, known for its flexible policy options and digital tools that appeal to tech-savvy drivers.
Washington D.C. Auto Insurance Monthly Rates by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $151 | $358 |
 | $72 | $171 |
 | $87 | $206 |
 | $43 | $103 |
 | $112 | $267 |
 | $72 | $171 |
 | $108 | $255 |
 | $69 | $165 |
 | $64 | $151 |
 | $30 | $71 |
While these providers offer some of the cheapest rates for minimum coverage, it’s essential to consider more than just price.
Washington D.C Min. Coverage Car Insurance Monthly Rates by City
| City | Monthly Rates |
|---|---|
| Adams Morgan | $92 |
| Anacostia | $95 |
| Capitol Hill | $90 |
| Columbia Heights | $91 |
| Dupont Circle | $89 |
| Foggy Bottom | $88 |
| Georgetown | $93 |
| Logan Circle | $87 |
| Navy Yard | $85 |
| Petworth | $86 |
| Shaw | $94 |
| U Street | $91 |
| Woodley Park | $88 |
Affordable premiums should be balanced with reliable claims handling, responsive customer service, and adequate coverage that meets your needs.
Be sure to review what’s included in the policy before making a final decision—especially if you live in areas of D.C. where rates can vary slightly by neighborhood.
Other Coverage Options to Consider in Washington D.C.
While minimum coverage may be legally sufficient, it often isn’t enough to fully protect you and your assets. Washington D.C. drivers have access to several types of car insurance coverage that can provide greater peace of mind:
- Collision Coverage: Collision car insurance pays to repair or replace your vehicle after an accident, regardless of who is at fault.
- Comprehensive Coverage: Comprehensive coverage covers damages from theft, vandalism, floods, fire, falling objects, and animal collisions.
- Medical Payments (MedPay): Helps cover medical bills for you and your passengers after an accident, regardless of fault.
- Gap Insurance: Essential for new car owners, this covers the difference between your car’s value and what you still owe on your loan if the vehicle is totaled.
- Roadside Assistance & Towing: Offers help for flat tires, dead batteries, or if you run out of gas.
Choosing the right combination of coverage depends on your circumstances, vehicle value, and risk tolerance. If you’re unsure, consider talking to an independent agent who can evaluate your situation and make tailored recommendations.
Penalties for Driving Without Insurance in Washington D.C.
Driving without car insurance in Washington, D.C. is a serious offense and comes with steep penalties. The district enforces strict penalties to ensure drivers maintain financial responsibility.
Penalties for Driving Without Auto Insurance in Washington D.C.
| Offense | Penalty |
|---|---|
| First Offense | $500 fine, license suspension |
| Second Offense | $750 fine, higher fees, possible impound |
| Further Offenses | $1,000+ fine, longer suspension, jail |
| At-Fault Accident | Full liability, license revoked |
For a first offense, you may face a $500 fine and a suspended license. A second offense increases the fine to $750, along with additional fees and potential vehicle impoundment. Subsequent violations can result in fines over $1,000, extended license suspensions, and even jail time.
Always carry at least the required minimum coverage in Washington D.C. to avoid steep fines, license suspension, and personal liability.
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If you’re involved in an at-fault accident without coverage, you could be held personally responsible for all damages and risk having your license permanently revoked.
These penalties highlight the importance of maintaining continuous insurance coverage to avoid harsh repercussions, and it’s important to understand how much car insurance you need to meet the legal requirements and protect yourself from financial risk.
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Getting Car Insurance in Washington, D.C.
Navigating Washington D.C.’s busy streets requires more than just good driving—it also demands proper insurance coverage that meets the district’s legal standards. As a reminder, Washington D.C. requires minimum liability insurance coverage of 25/50/10.
Whether you’re a long-time resident or a newcomer to the capital, comparing rates and providers is the smartest way to secure reliable coverage. Top companies like USAA, State Farm, and Progressive offer some of the lowest monthly rates and stand out for their strong reputations, policy flexibility, and customer service.
By understanding D.C.’s car insurance requirements and exploring competitive options, you can confidently choose a policy that keeps you protected and compliant. Find cheap car insurance quotes by entering your ZIP code here.
Frequently Asked Questions
What car insurance is required in Washington D.C.?
Washington D.C. requires drivers to carry minimum liability insurance of $25,000 per person and $50,000 per accident for bodily injury, and $10,000 for property damage, along with uninsured motorist coverage.
Read more: What does car insurance cover?
Do you need insurance to register a car in D.C.?
Yes, proof of insurance is required to register a vehicle in Washington D.C. Get the right car insurance at the best price — enter your ZIP code to shop for coverage from the top insurers.
Is title insurance required in D.C.?
Title insurance is not required for private vehicle purchases in D.C., but it’s commonly required by lenders when financing a vehicle or real estate transaction.
What is the cheapest car insurance in Washington D.C.?
The cheapest car insurance in Washington D.C. is often offered by USAA for military families, with rates starting as low as $30 per month.
How much is car insurance in D.C. per month?
The average cost of car insurance in Washington D.C. is approximately $126 per month, though rates can be as low as $20/month with providers like USAA.
Read more: Best Insurance Companies
Do you need a car for Washington D.C.?
Not necessarily. Many residents rely on public transportation, biking, or walking, but having a car is convenient for commuting outside the city or for families.
What is the cheapest car insurance?
Nationally, USAA often offers the cheapest car insurance for eligible military families, while Geico and State Farm provide competitive rates for most drivers.
Does Washington D.C. require uninsured motorist coverage?
Washington State requires $25,000 per person and $50,000 per accident for bodily injury liability and $10,000 for property damage liability, similar to D.C., but also mandates personal injury protection (PIP) unless waived.
How do I register a car in Washington D.C.?
To register a car in Washington D.C., you must provide proof of insurance that meets the district’s minimum coverage requirements, a valid driver’s license, a vehicle title, and payment for registration fees. Registration is required within 30 days of moving to D.C. or purchasing a vehicle.
Can you drive without insurance in D.C.?
No, driving without insurance in Washington D.C. is illegal and can lead to fines, license suspension, vehicle impoundment, and other penalties.
Read more: Best Car Insurance for Drivers with Speeding Ticket in Washington
How much does it cost to register a car in D.C.?
The base registration fee in D.C. ranges from $72 to $155, depending on the vehicle’s weight, with additional fees for tags, inspection, and taxes
What happens if you don’t register your car in D.C.?
Failure to register your car in D.C. can result in fines, penalties, and your vehicle being ticketed or impounded if driven or parked on public streets.
What is the best car insurance in D.C.?
USAA, State Farm, and Progressive are considered the best in D.C. for their affordable rates, strong customer service, and range of policy options.
How much is full coverage car insurance in Washington?
Full coverage in Washington typically costs around $120 to $160 per month, but premiums vary based on your driving record, age, and location.
Do I need car insurance in D.C.?
Yes, all vehicle owners in D.C. are required by law to maintain active car insurance that meets the district’s minimum liability and uninsured motorist requirements.
What does Washington D.C. require for car insurance?
Yes, Washington D.C. mandates uninsured motorist coverage: $25,000 per person / $50,000 per accident for bodily injury, and $5,000 for property damage.
Read more: Collision and Comprehensive Coverage
Does Geico insure in D.C.?
Yes, Geico offers auto insurance policies in Washington D.C., providing both minimum liability and full coverage options. Our free online comparison tool allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.