Comparing auto insurance in District of Columbia is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
DC drivers may want to consider comprehensive and collision coverage because dense urban traffic, theft, vandalism, car break-ins, flooding, hail, falling branches and high repair costs can create losses that state-minimum liability and UM coverage will not fully address.
DC average rates are slightly above Bankrate’s listed national averages for both full and minimum coverage. Premiums can rise further after speeding tickets, at-fault accidents, DUI convictions, poor credit, SR-22 filings or coverage lapses.
25/50/10
The District of Columbia requires continuous DC vehicle insurance while a vehicle is registered. Minimum coverage includes $25,000 third-party bodily injury liability per person, $50,000 third-party bodily injury liability per accident, and $10,000 property damage liability. DC also requires uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident, plus uninsured motorist property damage coverage of $5,000 subject to a $200 deductible.
Choice No Fault
Offer/Rejection Rule
Personal injury protection is not required in DC, but insurers must offer optional PIP coverage. If selected, PIP benefits are paid without regard to fault and may cover medical and rehabilitation expenses, work loss and funeral benefits. Choosing PIP benefits after a crash can affect the right to pursue a liability claim, so drivers should review the policy terms carefully.
Required
DC requires uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident, plus uninsured motorist property damage coverage of $5,000 subject to a $200 deductible. Underinsured motorist coverage is optional but must be offered by insurers.
Recent rate data estimates District of Columbia annual auto insurance premiums at about $2,873 for full coverage and $888 for minimum coverage.
| Driver Profile | Estimated Annual Premium | Estimated Monthly Premium |
|---|---|---|
| State minimum coverage | $888 | $74 |
| Full coverage | $2,873 | $239 |
| Full coverage with speeding ticket | $3,332 | $278 |
| Full coverage after at-fault accident | $3,860 | $322 |
| Full coverage after DUI | $4,301 | $358 |
| Full coverage with poor credit | $5,960 | $497 |
Bankrate, 2026
Source: Bankrate
Average rates are sample premiums and will vary by ZIP code, driver profile, vehicle, coverage limits, deductibles, credit tier and insurer.
District of Columbia minimum coverage focuses on required protection such as The District of Columbia requires continuous DC vehicle insurance while a vehicle is registered. Minimum coverage includes $25,000 third-party bodily injury liability per person, $50,000 third-party bodily injury liability per accident, and $10,000 property damage liability. DC also requires uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident, plus uninsured motorist property damage coverage of $5,000 subject to a $200 deductible.. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
DC may require SR-22 proof of insurance for reinstatement after certain offenses. DC DMV says drivers licensed in the District must provide proof of SR-22 insurance if the date of an alcohol- or drug-related conviction was within the last three years.
The District of Columbia does not appear to use FR-44 filings.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your District of Columbia auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to District of Columbia drivers, including:
Ask about bundling, safe-driver, paid-in-full, good-student, multi-policy, multi-vehicle, anti-theft, paperless billing, low-mileage and telematics discounts. DC drivers who commute less or rely partly on public transit may benefit from usage-based or low-mileage programs.
Ask about available discounts when comparing quotes.
| Rank | Carrier |
|---|---|
| 1 | Geico |
| 2 | Progressive |
| 3 | State Farm |
| 4 | USAA |
| 5 | Erie |
Carrier pricing and availability vary by ZIP code, vehicle, coverage selection and driver profile. USAA eligibility is limited to military members, veterans and qualifying family members.
Find auto insurance in these major District of Columbia cities:
The District of Columbia requires 25/50/10 liability coverage: $25,000 third-party bodily injury liability per person, $50,000 per accident and $10,000 property damage liability. DC also requires uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident, plus uninsured motorist property damage coverage of $5,000 subject to a $200 deductible.
DC has a choice no-fault structure. PIP is optional, but if a driver has PIP and elects to use those benefits after a crash, the choice can affect the ability to pursue a liability claim against the at-fault driver.
No. PIP is not required in DC, but insurers must offer optional personal injury protection coverage. PIP benefits are paid without regard to fault when selected.
Yes. DC requires uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident, plus uninsured motorist property damage coverage of $5,000 subject to a $200 deductible. Underinsured motorist coverage is optional but must be offered.
Bankrate lists Washington, D.C.’s average annual cost at $2,873 for full coverage and $888 for minimum coverage. Actual quotes depend on ZIP code, driving record, vehicle, coverage limits, deductibles, credit tier and insurer.
DC may require SR-22 proof of insurance for reinstatement after certain offenses. DC DMV says drivers licensed in the District must provide proof of SR-22 insurance if the date of an alcohol- or drug-related conviction was within the last three years.
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
