Washington, D.C. Auto Insurance Minimums and Laws

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All District of Columbia drivers must carry auto insurance if they get behind-the-wheel unless they show fiscal responsibility. Insurance not only protects you when driving but others on the road. After all, you never know if an accident may happen!

This article shares what those insurance minimums are that you must carry. And, the repercussions of not having it. And, provides D.C. insurance quotes if you’re shopping for coverage in District of Columbia.

The District of Columbia Car Insurance Requirements and Minimums

District of Columbia requires the following required auto insurance coverage:

  • Bodily Injury Liability: $25,000 per person / $50,000 per accident
  • Property Damage Liability: $10,000 per accident
  • Uninsured Motorist Bodily Injury: $20,000 per person / $50,000 per accident
  • Uninsured Motorist Property Damage: $5,000 per accident (with $200 deductible)
  • Underinsured Motorist Bodily Injury: $50,000 per person / $50,000 per accident
  • Personal Injury Protection: Variable options

Your final insurance needs will depend on your driving abilities, history, and needs. Some vehicles, like when leasing, may require collision and compressive coverage.

Penalties for Driving Without Insurance in District of Columbia

The state of District of Columbia has variable penalties if you’re found driving without insurance. This could include a hefty fine to jail time. A possible license and registration suspension may happen, too!

Typical penalties for driving in District of Columbia without insurance include:

First Offenses

  • $500
  • License suspended up to 30 days
  • Reinstatement fees
  • SR-22 insurance (3 years)
  • $30 fine for failure/refusal to show insurance

Subsequent Offenses

  • 50% extra for each offense
  • License suspended up to 60 days
  • Reinstatement fees
  • SR-22 insurance (3 years)
  • $30 fine for failure/refusal to show insurance

You may receive these penalties when being stopped or through the states electronic monitoring. Failing to provide proof of insurance will result in an offense. Subsequent offenses carry heavier fines, fees, and possible jail time for your actions.

You will typically receive the $500 fine for your first offense. Each time after, this fine goes up by 50%. Your license may be suspended in place of the fine, too. This can range from 30 to 60 days.

Owning but not operating a vehicle without insurance can cause penalties, too. After 30 days of not showing insurance coverage, you’re fined $7 a day it’s unverified up to $2,500 in fees.

Other penalties can include having to reinstate your license, carrying SR22 insurance, and any other fines and penalties resulting from your behavior. Causing accidents without insurance is a major issue, too, as your fees will increase dramatically!

Compare Quotes for District of Columbia Insurance Policies

Whether you just moved to District of Columbia or you’re a resident, you need auto insurance if you’re getting behind-the-wheel and on state roads and highways. The insurance helps protect you from uninsured motorists while providing if you’re the one at fault.

Your intent may be finding cheap District of Columbia auto insurance to cover the state’s minimums. You may decide to upgrade your insurance policy once you’re driving. Many D.C. car insurance companies offer good driver discounts lowering their premiums.

Check to ensure you’re given the best coverage else shop for new coverage by comparing insurers!