District of Columbia car insurance: requirements & free quotes
Washington, DC requires liability plus uninsured motorist coverage. The District uses a hybrid approach in which insurers must offer personal injury protection and accident victims who elect those benefits can later choose to pursue a liability claim instead.
Minimum coverage in District of Columbia
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$10,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $10,000 per accident
Uninsured motorist bodily injury $25,000 per person / $50,000 per accident
Uninsured motorist property damage
Shown as 25/50/10 + UM. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in District of Columbia
- Dense city traffic and street parking make comprehensive and collision coverage worth pricing.
- Ask about PIP, which insurers must offer in DC, to cover your own medical costs regardless of fault.
- Low-mileage or pay-per-mile options can suit residents who drive infrequently.
- Consider higher liability limits than the minimum to protect your assets in a serious crash.
We connect drivers across District of Columbia
Including Washington — and smaller towns in between. Availability depends on agencies serving your ZIP code.
District of Columbia car insurance FAQ
No. District of Columbia is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.