Washington, DC Car Insurance FAQ - Quick Answers

On average, Washington, DC car insurance costs $1,799, which is much higher than the national average of $1,311. To help minimize premiums, connect with a local adviser for price comparisons.

In Washington, DC, you can obtain a variety of coverages on your auto policy, but there are some that come standard. Check out which limits you'll typically find on your car insurance:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Personal injury protection: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.

Washington, DC is a no-fault state when it comes to your car insurance. That means that both parties, not matter who's at fault for an accident, draw from their own policy for coverage first. The minimum limits of liability that are required by Washington, DC law are $25,000 per person/ $50,000 per accident/ $10,000 property damage. Uninsured motorist bodily injury is also required at the same limits.

In Washington, DC, 15.6% of drivers on the road are uninsured. And since not everyone follows the rules, you're at risk. Fortunately, uninsured motorist coverage helps pay for damage or injury sustained from a loss that's an uninsured driver's fault. 

Finding the best car insurance carriers to do business with doesn't have to be a challenge. In Washington, DC, Progressive, Stillwater, and RLI insurance companies are among the most used. This is due to their superior claims service and broad coverage offerings.

  • $25,000 per person of bodily injury liability
  • $50,000 per accident of bodily injury liability 
  • $10,000 in property damage liability
  • $25,000/$50,000/$10,000 for uninsured motorist coverage

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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?
Washington DC average car insurance cost:  $1,799 / year
Washington CD car thefts per 1,000:  3.26
Washington DC average time spent commuting:  30.8 minutes

Bodily Injury Requirements in Washington, DC

Bodily injury liability is required in Washington, DC if you are a licensed driver. You'll be mandated to carry the minimum limits of $25,000 per person and $50,000 per accident on your car insurance policy.

Most states have similar requirements when it comes to bodily injury liability. When picking out coverages, speak with a local professional to find what limits of protection suit your needs the best. 

Property Damage Requirements in Washington, DC

Property damage liability will help pay for the other driver's damage that you caused in an auto accident. In Washington, DC, you're required to carry the minimum limit of $10,000 in property damage liability by law.

While this might seem like a decent amount of coverage, always check with a trusted adviser for options. Most drivers find that the state minimum limits aren't usually enough when a substantial loss occurs. 

Personal Injury Protection Requirements in Washington, DC

Personal injury protection is required in Washington, DC if you want to use the roadways. This coverage provides protection for injuries sustained in an accident and helps pay for your medical expenses. 

If you're hurt and without personal injury protection, then you could have a large bill to pay on your own. Fortunately, this coverage helps protect your finances from some serious loss. 

Uninsured Motorist Coverage in Washington, DC

Uninsured motorists coverage coverage is required in Washington, DC. When you're a licensed driver, the law mandates that every road warrior obtains uninsured motorist limits in the amount of $25,000 per person, $50,000 per accident, and $10,000 for property damage. 

Being obligated to carry uninsured motorists coverage isn't necessarily a bad thing. With 15.6% of Washington, DC drivers being without insurance, you could be saving yourself from a major out-of-pocket expense.


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Optional Car Coverage in Washington, DC

Collision insurance and comprehensive insurance will help pay for damage to your car when you're involved in an accident. This is called full coverage, and your Washington, DC auto policy can help ensure that you're fully protected with a variety of options. 

Furthermore, you can add insurance for rental car coverage when your vehicle is in the shop due to a covered claim. There's even roadside assistance that pays for a tow or flat tire if you break down on the side of the road. While these coverages are optional, they can be useful and should be considered. 

Car Insurance Discounts to Ask for in Washington, DC

The best discount on car insurance you can obtain is found through your insurance company. When it comes to your auto insurance, your agent can help identify discounts you may qualify for with the carrier. 

A multiple policy discount is usually the highest cost savings awarded, and can be 30% or more. When you're part of a teachers union, government agency, or other association, your carrier may give a 5% to 10% discount on coverage. And if you've been with the same insurance company for a number of years, they may give you a loyalty discount.

How to File a Car Insurance Claim in Washington, DC

When an auto accident occurs, it's good to have a point of reference during an unnerving situation. Remember these 4 easy steps for filing a car insurance claim in Washington, DC.

First and foremost, you'll want to get to a safe place and tend to any injuries. Second, your independent insurance agent should be contacted so they can get the claim filed. Third, obtain your claim number for reference and if you have coverage for a replacement vehicle, use it. Last, get a meeting established with your adjuster to go over the loss and collect payment.