Commonly Asked Questions about Car Insurance in Washington DC

On average, Washington, DC drivers pay about $1,799 a year (or $150 a month) for their car insurance. This is much higher than the national average cost of $1,311 per year.  Shopping around for the best price can potentially save you hundreds of dollars a year.

As a vehicle owner in Washington, DC, finding a competitively priced policy is easy when you work with a local independent agent. These agents can obtain customized car insurance quotes from multiple insurance companies on your behalf and can help you compare the coverage offered by each.

Find an independent insurance agent near you to learn more.

Car insurance in Washington, DC includes a mixture of mandatory and optional coverage. If you are involved in a collision, here are a few of the ways that your Washington, DC auto insurance may be able to help:

  • Fixes your car: Not required. This is called "comprehensive & collision coverage," and though it is not required in DC, it may be required by your lender.
  • Fixes someone else's car: Required/minimum $10,000. This is called "property damage liability." 
  • Pays your medical bills: Not required. This is called "personal injury protection" or "PIP." 
  • Pays someone else's medical bills: Required/minimum $25,000 per person and $50,000 per accident.

As a Washington, DC driver, you're required to have certain types of insurance coverage at specific limits. These coverages will pay for someone else's vehicle damage and medical bills for yourself and others involved in an accident. Most states have similar laws to make sure drivers are prepared for accidents they are involved in.

Washington, DC is considered a no-fault district.

This means that regardless of who is at fault for an accident, your first line of coverage for the treatment of your bodily injuries will be your own insurance company. That is why every driver in DC is required to carry personal injury protection insurance.

However, when it comes to property damage, the at-fault driver is responsible for paying.

Driving without insurance in Washington, DC is illegal. If you are caught doing so, you can be penalized with fines ranging from $150 to $2,500 and the suspension of your driving privileges and vehicle registration. You could also potentially have your vehicle impounded and face jail time.

Despite this, an estimated 15.6% of all drivers in this city are operating uninsured vehicles. This is significantly higher than the national rate of 13.0%.

That is why uninsured motorist coverage, which is required in DC, can prove so beneficial. This insurance can pay for your vehicle repairs and medical expenses if you are in an accident and the at-fault driver is uninsured or underinsured.

Your insurance company will then take on the responsibility of trying to collect the money owed from the at-fault driver and will absorb the losses if unsuccessful.

There is no such thing as a car insurance company that is “best” for everything. The ideal insurance company for an elderly couple with a long history of safe driving might not be the best choice for a middle-aged couple that has teenage drivers in their household.

That is why independent insurance agents compare coverage and prices from a variety of top-rated insurance companies. That way, they can find the policy that is the right choice for you and your family. 

Yes! There are currently 27 independent insurance agents located throughout the city of Washington, DC.

These experienced agents are ready to help you find the best car insurance policy to meet your coverage and budgetary needs. Find an agent near you to get started.

How does car insurance actually work?

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How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

How does Washington DC compare to the national average?
National average car insurance cost:  $1311 / year
Washington DC average car insurance cost:  $1,799 / year
National average car thefts per 1,000:  2.29
Washington CD car thefts per 1,000:  3.6
National average time spent commuting:  25.4 min
Washington DC average time spent commuting:  45.0 minutes