District Of Columbia Car Insurance

Car Insurance in District of Columbia

In the state of District of Columbia you can satisfy the states requirements of financial responsibility one way by securing an auto insurance policy through a state licensed insurance company. Below are the corresponding tabs with the minimum requirements to satisfy your financial responsibility to drive. The Penalties tab covers the consequences for not carrying insurance or driving without proof of insurance. Review these tabs and our supplemental insurance pages on purchasing, car insurance discounts, and claims to make sure you are 100 % prepared to take responsibility for driving on the roads. The best insurance of course is to take your District of Columbia online drivers ed course and learn to be a safe driver with igottadrive.com.

Purchasing auto insurance to meet your financial responsibilities in the state of District of Columbia requires all drivers to carry the following minimum amounts of insurance. These minimums will get you on the road however you should consult your insurance agent to make sure you are properly covered for potential incidents that you may encounter. Even as a new or returning driver discounts are available to help you better protect you and your vehicle.

Minimum requirements:

Property Damage Liability $10,000
Third Party Liability $25,000 per person and $50,000 per accident
Uninsured Motorist Bodily Injury $25,000 per person and $50,000 per accident
Uninsured Motorist property damage $5,000 subject to $200 deductible

Accepted proof of insurance:

DC Insurance policy with dates of coverage as well as vehicle identification number (VIN), make, year of vehicle and DC address of vehicle
DC Insurance card with unexpired expiration date as well as vehicle identification number (VIN), make, year of vehicle and DC address of vehicle
Letter of Certification insurance company letterhead, verifying DC coverage dates as well as vehicle identification number (VIN), make, year of vehicle and DC address of vehicle

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For more information about insurance in the state of District of Columbia you can contact the District of Columbia DMV at (202) 737-4404 or visit the District of Columbia DMV web site.

The state of District of Columbia takes driving with out being properly covered or not having the financial wherewithal to cover an auto accident very seriously. The following  list of penalties are in place to keep people from taking the risk of driving with out coverage. These penalties are to be taken seriously and are here to help protect  you and your automobile in the event you are in an accident.

State Penalties:

Failure to maintain continuous valid insurance on a vehicle registered in the District of Columbia will result in suspension of registration tags and reciprocity sticker. An individual will be assessed a fine of $150 for a lapse in insurance coverage from 1 to 30 days and $7 for each additional uninsured day after the first 30 days, up to a maximum of $2500.

Under District of Columbia law, motorists who are stopped by the police are required to display not only their driver license and vehicle registration, but also proof of insurance. Metropolitan Police Department (MPD) officers enforce the "proof of insurance" law -- and the $30 civil fine that is attached to this infraction.

Don't be that guy. Get auto insurance and know your covered? use the quote finder in the upper right corner to get started.

For more information about insurance in the state of District of Columbia you can contact the District of Columbia DMV at (202) 737-4404 or visit the District of Columbia DMV web site.