District of Columbia Car Insurance - Auto Insurance Quote in DC
The District of Columbia is known the world over as the capital of the United States and home to many of the nation's greatest monuments, from the majestic Lincoln Memorial to the towering Washington Monument. It’s known as a traffic nightmare as well. D.C. motorists have long turned to CarInsurance.com for all their auto insurance coverage.
| Current average car insurance premium in District of Columbia | $1,521.33 |
| Current average car insurance premium U.S. | $1,602.16 |
| Washington | $2,357.32 |
| Check out our car insurance rates in more District of Columbia cities | |
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Keeping tab of premium rates for D.C. is effortless. Take a look at CarInsurance.com's Average Premium Trend Tool. It gives you rate shifts on a month to month timeline. Just glide your mouse over the various points to see the figures. But expect to pay much more than the national averages.
With more than a dozen of the country's finest insurance carriers available, this site is the only one D.C. residents need. A starting point is to consider what is required, by law, to drive legally in D.C.
District of Columbia state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 25/50/10 coverage with 25/50 UM limits.
Minimum Required Insurance Coverage in the District of Columbia
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $10,000 Limit
Uninsured Motorist Bodily Injury: $25,000/$50,000 Limit
The state of District of Columbia follows a Tort system, meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
To help protect against damages caused to you and your passengers by an uninsured driver, District of Columbia state law requires a minimum Uninsured/Underinsured Motorist coverage of $25,000 per person up to a total of $50,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.
There is a wealth of options at CarInsurance.com for D.C. motorists. We'll begin with the Minimum State Required package to ensure you have legal coverage. But you may want more liability protection or other features. You can get them through this site and our insurance agents can assist you.
Not yet sure what should be in your policy? Consider a few elements, like what liability limits are best for protecting you and what discounts are available that could reduce costs. The many carriers at CarInsurance.com can provide relevant insight into these considerations as you move toward acquiring top coverage.
If District of Columbia car thieves have you on their radar, expect to pay more for your car insurance. Here are the most-stolen vehicles in D.C.:
