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Washington DC Auto Insurance

The District of Columbia auto insurance is a little different than other states. As a driver, you must purchase some sort of liability coverage, but different options are given to fulfill this requirement. Unlike many US states, Washington, DC is not considered to be tort district, but rather, it is what is referred to as a no fault auto insurance district.

Washington DC Auto Insurance Coverage Requirements

Every driver in Washington, DC must carry minimum liability coverage of 25/50/10, or $25,000 per individual person involved in an accident, $50,000 for all individuals involved in an accident, and $10,000 for property damages.

Since The District of Columbia is a no fault district, you have the option to purchase PIP coverage for you and your passengers. Personal Injury Protection (PIP) pays for hospital, funeral, and loss of income expenses in the case of an accident. In this no fault area, DC auto insurance does require uninsured motorist coverage at the minimums of 25/50/5, meaning $25,000 per person, $50,000 for all, and $5,000 for property. This protects you in case an uninsured causes you harm.

Washington DC Auto Insurance Rates

A nationwide review of insurance expenditures in 2003 showed that the District of Columbia ranked the 3rd highest in spending in the nation, with an average total expenditure of $1,129.31. Drivers in the District of Columbia in 2003 spent on average $604.67 for liability coverage, $428.23 for collision insurance, and $244.29 for comprehensive coverage.

Many seek to reduce their District of Columbia car insurance rates. There are many factors that the insurance company uses to determine auto insurance rates. For instance, the type of car you drive, your age, your location, your marital status, and even your level of education all play roles in your premium rate. Not all insurance companies calculate rates the same way. You can visit many different insurance companies to get a different rate for your District of Columbia auto insurance.

Washington DC Auto Insurance Companies

Because auto insurance rates in Washington, DC are so high, drivers should spend some time shopping around to make certain they're getting the best rate possible.

Additional Resources and Information for Washington, DC Drivers

For more information on District of Columbia auto insurance, visit the District of Columbia Department of Insurance or write them at:

Department of Insurance, Securities and Banking
810 First Street, NE, Suite 701
Washington, DC 20002
Phone: (202) 727-8000

For other Washington DC Insurance Resources, See:

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