Washington D.C. Auto Insurance Policy Requirements

Q: What is in a basic Washington D.C. auto insurance policy?

A: Consumers can add these main options to their Washington D.C. auto insurance policy:

  1. Liability Coverage
    1. Since property and people are completely separate insurance concepts, liability insurance is divided into two types:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is required in Washington D.C.. To legally drive in Washington D.C., one must have a valid driver’s license and also the minimum of liability coverage in his or her auto insurance policy:
      1. 25/50/10” (Washington D.C.’s minimum auto insurance requirement)
      2. $25,000 for injury/death to one person.
      3. $50,000 for injury/death to two or more people.
      4. $10,000 for property damage.
    3. Liability minimums are different for vehicles that are leased.
  2. Collision Coverage is a legal requirement when your vehicle is financed (not completely paid for). It is optional for your Washington D.C. auto insurance policy if the vehicle is not financed.
  3. Comprehensive Coverage, similar to collision, is only required if you are still paying off your vehicle. If the vehicle has been fully financed, and is thus paid for, comprehensive is not required in your Washington D.C. auto insurance policy.
  4. Medical Payments Coverage is advisable to include in a Washington D.C. auto insurance policy though it is not required.
  5. Uninsured (and Underinsured) Motorist Coverage is required in Washington D.C.
  6. Personal Injury Protection (PIP) Coverage is not required under Washington D.C. state law.
  7. Other Options for your Auto Insurance Policy
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Does Washington D.C. require No-Fault insurance? 
A: No, Washington D.C. does not require no-fault insurance.
Q: How can I get a discount on a Washington D.C. auto insurance policy
A: To see if you are eligible for the several ways you may be able to save money on your policy, take a look at our list of auto insurance discounts.
Q: Where can I find more information about Washington D.C. auto insurance? 
A: You can consult the following official internet resources for more information on insurance coverage in Washington D.C.:
  1. Washington D.C. Insurance Resources
    1. The Washington D.C. Department of Motor Vehicles (DMV) manages the issuance of driver’s licenses, vehicle titles, and registration.
    2. The Washington D.C. DMV Vehicle Insurance Requirements page helps inform the public of insurance laws and how to find a provider.
  2. National Insurance Resources
CLICKinsure agents provide residents of our Nation’s Capital with a variety of with a variety of auto insurance plans and can rest assured that they can find reliable insurance information and coverage when they select CLICKinsure as their broker.