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Auto Insurance Requirements In The District of Columbia

District of Columbia Auto Insurance

According to the District of Columbia’s Compulsory/No-Fault Motor Vehicle Insurance Act, all motorists applying for vehicle registration in the District of Columbia are required to have valid DC vehicle liability insurance. This insurance helps cover the costs of damages or injuries you may have inflicted on others if you are responsible for an accident. You must carry evidence of insurance in your vehicle at all times. Your insurance must be provided when renewing your vehicle registration, when involved in a traffic collision, or as requested by law enforcement.  While this is the minimum amount as required by law, drivers are strongly urged to consider higher limits.  It’s also important to note that, while District of Columbia law does not require you to have collision and comprehensive coverages, you may have to purchase both as part of your car’s finance or lease agreement.

Car Insurance Policy Requirements in the District of Columbia

Your District of Columbia  auto insurance policy must include at least the following minimum coverage limits:

  • 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.

You must show valid proof of DC insurance to register a vehicle or renew a vehicle registration. Insurance companies are required to notify DC DMV of any insurance cancellations or terminations. 

Violations and Penalties

If you are caught and convicted in the District of Columbia for driving without car insurance, You will be assessed fines that will increase over time. You can pay any fines at a DC DMV service center. In the case of an accident, you must file an accident report with the Metropolitan Police Department (MPD) and notify your insurance company.

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