DC Car Insurance

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Jun 26, 2020

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In a nutshell...

  • All drivers should be aware that DC operates under no-fault car insurance laws
  • All DC drivers must have a valid car insurance policy which meets DC car insurance at all times
  • If your auto insurance policy coverage terminates, you must notify the DC Insurance Commission

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 DC car insurance do you need?

Take a look at how state minimum car insurance rates vary from state to state.

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All DC drivers must have a valid car insurance policy which meets DC car insurance at all times or be subject to penalties including fines, suspension of drivers license and/or vehicle registration.

Car insurance laws in DC currently (2010) 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.

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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 DC Car Insurance

DC 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.

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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.

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Almost 75 car insurance companies offer coverage in DC and even though most other states have well over 100 auto insurance providers DC still has a very competitive car insurance market.

Almost all national insurers such as Allstate, Progressive, Nationwide, and Geico have a presence in DC but many regional car insurance companies also provide both affordable and reliable coverage.

DC Car Insurance Quotes

No matter what item you are purchasing the key will be to compare service providers. While DC 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.

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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:

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Who are the largest auto insurance companies in D.C.?

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Compare DC Car Insurance quotes online today! Enter your zip code below to get started for FREE!

References:

  1. https://www.allstate.com/
  2. https://www.progressive.com/
  3. https://www.nationwide.com/
  4. https://www.geico.com/

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State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Monthly District of Columbia Car Insurance Rates by ZIP Code
Average Monthly Car Insurance Rates by Age & Gender in District of Columbia
Factors Affecting Car Insurance Rates in District of Columbia
District of Columbia Car Insurance Rates by Company vs. State Average
District of Columbia Car Insurers by Market Share %