Washington D.C. Car Insurance
Washington D.C. car insurance costs $105/mo, or $1,260/yr. All D.C. drivers must have a valid car insurance policy that meets Washington D.C. car insurance requirements at all times or be subject to fines, license suspension, or suspension of your vehicle’s registration. Washington D.C. is one of the most expensive states when it comes to car insurance premiums (in the top 10) so start comparing D.C. auto insurance quotes here for free to find the cheapest coverage.
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Written by
Tonya Sisler
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Reviewed by
Brad Larsen
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UPDATED: Oct 26, 2020
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
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- All drivers should be aware that Washington D.C. operates under no-fault car insurance laws
- All D.C. drivers must have a valid car insurance policy which meets Wshington D.C. car insurance at all times
- If your auto insurance policy coverage terminates, you must notify the Washington D.C. Insurance Commission
Washington D.C. is America’s most famous state and home to many of the Nation’s historical buildings, politicians and lawmakers and we could not think of a State where no-fault car insurance laws have a better place to exist.
While this is a simple explanation of no-fault car insurance laws as some exceptions do apply it does allow drivers and the State to benefit from a reduction in lawsuits, faster claims handling and more affordable car insurance rates.
No-fault car insurance is not a type of car insurance but the result of laws in place to govern liability in the event of a car accident.
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How much Washington D.C. car insurance do you need?
Take a look at how state minimum car insurance rates vary from state to state.
All D.C. drivers must have a valid car insurance policy which meets D.C. car insurance at all times or be subject to penalties including fines, suspension of drivers license and/or vehicle registration.
Car insurance laws in Washington D.C. currently require all drivers to have least the following minimum levels or liability and uninsured/underinsured motorist coverage in-force:
| Type of Coverage | Minimum Policy Coverage |
| Property Damage | $10,000 |
| 3rd Party Liability Insurance | $25,000 per person / $50,000 per accident |
| Uninsured Motorist Bodily Injury | $25,000 per person / $50,000 per accident |
| Uninsured Motorist Property Damage | $5,000 w / $200 deductible |
It’s important to note that if your auto insurance policy coverage terminates then DC car insurance laws state you must notify the DC Department of Motor Vehicles right away or possibly be fined.
Let’s take a look at the average monthly car insurance rates.
Although car insurance laws state the driver must notify the DMV laws also require any licensed auto insurance company to also report policyholders who experience a lapse in coverage or have their coverage terminated.
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Cheap Washington D.C. Car Insurance
D.C. is one of the most expensive states when it comes to car insurance premiums (in the top 10) so it’s important to always do a car insurance comparison search before accepting coverage from any provider.
Let’s take a closer look at how ZIP codes affect car insurance in Washington D.C.
Age and gender will affect your car insurance. Younger drivers are often in a high risk class. See if the gender stereotype (males pay more) holds true in Washington D.C.
Almost 75 car insurance companies offer coverage in D.C. and even though most other states have well over 100 auto insurance providers D.C. still has a very competitive car insurance market.
Almost all national insurers such as Allstate, Progressive, Nationwide, and GEICO have a presence in D.C. but many regional car insurance companies also provide both affordable and reliable coverage.
Washington D.C. Car Insurance Quotes
No matter what item you are purchasing the key will be to compare service providers. While D.C. has higher than average car insurance rates it doesn’t mean you have to pay really high premiums – that’s why it’s really important to compare car insurance companies.
There are many auto insurance discounts, types of coverage and policy options available to help drivers find cheap car insurance rates but it just takes a little time.
Take a look at these 6 major factors affecting auto insurance rates in Washington D.C.
We can help by providing with you a base of knowledge about the types of coverage, popular car insurance discounts, some explanation of common insurance terms and even real reviews of car insurance companies.
Who is the cheapest car insurance company in Washington D.C.?
Review the average auto insurance rates by company below:
Who are the largest auto insurance companies in Washington D.C.?
Compare Washington D.C. Car Insurance quotes online today! Enter your zip code below to get started for FREE!
