District of Columbia Car Insurance
Drivers in the District of Columbia must have adequate insurance coverage prior to operating a car or other motor vehicle. At a minimum, drivers must have liability and uninsured motorist protection. Liability car insurance in DC helps the driver pay for damages and injuries for which he or she is responsible as a result of a collision. Uninsured motorist insurance protects the driver, the vehicle, and the passengers financially if there is a collision for which an uninsured driver is responsible. According to the District of Columbia’s Department of Motor Vehicles, drivers must have the following amounts of coverage:
Required Coverages in District of Columbia:
- Bodily Injury Liability Per Person: $25,000
- Bodily Injury Liability Per Accident: $50,000
- Property Damage Liability: $10,000
Uninsured Motorist Coverage:
- Bodily Injury Coverage Per Person: $25,000
- Bodily Injury Coverage Per Accident: $50,000
- Property Damage Coverage: $5,000
Drivers must have proof of car insurance in the District of Columbia in their vehicles at all times. Driving without insurance is illegal, and will result in citations and fines. If you are caught driving without insurance, you also risk having your license suspended. In the event that you are found responsible for a collision and you do not have adequate insurance, you may also be sued for damages. By purchasing car insurance, you eliminate that risk.
Determining Your Rate in District of Columbia
Car insurance quotes in DC are determined by a variety of factors, including the type of driver, the type of vehicle, and the way in which the vehicle is used. Auto insurance companies in DC also look at the driver’s credit and driving histories to determine insurance premiums. Discounts are typically offered for good drivers and safe vehicles.
According to the Insurance Information Institute, auto insurance in DC costs drivers an average of $1,128, which is much higher than the national average of $785. To keep rates down, drivers are encouraged to inquire about discounts, install safety features within their vehicles, and maintain good credit. Increasing deductibles can also decrease the cost of monthly premiums.