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What are the mandatory Auto Insurance Requirements in Washington DC?

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You May Not Let Insurance Lapse on a Registered Vehicle

The nation’s capital city requires that all registered vehicle’s carry insurance. Failure to keep your car insured, while registered, may result in fines. Therefore, it’s important not to cancel your insurance coverage until after you have given your vehicle tags to the DMV. If you let your insurance lapse, you may be subject to $150 fine from 1 to 30 days. If you let it go on for more than a month, then DC will charge an additional $7/day, up to $2,500 per tag.

View the Washington DC minimum liability requirements page to view the minimum insurance requirements and their definitions.

You Must Carry Proof of Insurance

You need to make sure you carry proof of insurance in your car in case you are stopped by a Washington DC police officer. These are supplied by your insurance company.

It is the law in DC that drivers who are pulled over by the police are required to present their driver’s license, car registration, AND proof of insurance. The reasoning behind this law is to reduce the percentage of uninsured drivers on DC roads. It’s a serious problem that undermines safety and drives up costs for insured, law-abiding drivers.

Failure to present proof of auto insurance in DC may result in a $30 fine.

The Proof of Insurance Law is Required of ALL Drivers in DC

ANY driver on any road in Washington DC is subject to the proof of insurance law. This includes non-residents. If you are going to be driving anywhere in Washington DC, then you must carry a car insurance card inside of your vehicle at all times. Every auto insurance company provides these cards. If you have insurance, but not a card, then contact your car insurance company to request your proof of insurance card immediately.

You can check out the minimum amounts required on our District of Columbia Auto Insurance homepage.

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