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• DC Auto Insurance

Washington D.C. Auto Insurance Quotes Comparison

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Find out everything you need to know about the DC area’s insurance liability laws. Some states follow a tort system, while others follow a no-fault or hybrid auto liability system. We’ve put together all of Washington DC’s important and helpful information in one place to that you can make an informed decision regarding which insurance policy you are going to choose.

The District of Columbia’s insurance requirements are listed below. Find out what insurance you have to purchase, then use our quote tool above to compare quotes from Washington D.C. area auto insurance companies. Check out DC car insurance company quotes here.

District of Columbia auto insurance law: minimum required auto insurance

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

• First number: bodily injury liability maximum for
  one person for injuries you caused to the other party
• Second number: bodily injury liability maximum for all injuries in one accident
• Third number: property damage liability maximum for one accident

Do you know what kind of liability system Washington DC has?

Yes, Washington D.C. has what is called a tort system. It’s an auto insurance system that holds the driver who is responsible for causing the accident liable for the victim’s expenses. This includes medical and other accident-related expenses. For example, a victim might claim “loss of wages”and/or “pain and suffering” compensation.

Is Personal Injury Protection (PIP) coverage required?

No. Washington DC does not make PIP insurance mandatory, although it is available as an optional insurance coverage. Personal injury protection is an extension to auto insurance plans that covers medical and accident-related expenses regardless of who is at fault.

The District of Columbia Requires Uninsured (& underinsured) motorist coverage.

An uninsured or underinsured motorist may cost you money if you are the victim of an accident and they either do not have insurance or their insurance is not adequate enough to cover your expenses. In District of Columbia, you may choose to purchase uninsured motorist coverage and it is probably smart to do so, but it is not state law that you must. If you have uninsured motorist coverage, then you and your passengers may be able to collect from your own insurance company in the event that the at-fault party does not have adequate insurance coverage.

It is usually considered a good idea to purchase additional optional coverages (medical, uninsured and underinsured motorist, collision, and comprehensive). The amount of coverage you choose affects your District of Columbia auto insurance rates.

Click for more information about the District of Columbia auto insurance quotes.