Affordable Car Insurance Auto Insurance in District of Columbia




Washington, DC is formally known as the District of Columbia and most commonly referred to as Washington, "the District", or simply D.C. It is the capital of the United States, founded on July 16, 1790.


There are so many beautiful places to explore in D.C. like the White House, Washington National Cathedral, United States Capitol, Lincoln Memorial, Rock Creek Park and Constitution Gardens and so on.

But before you drive to these amazing places ensure that you have valid auto insurance.

If you do not maintain valid insurance then you will face suspension of registration tags and reciprocity sticker. You will be required to pay 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.

So it a wise decision if you choose to buy auto insurance. To legally drive in the state you will have to purchase the minimum liability insurance.

DC Insurance Requirements

The state requires you to buy liability coverage and uninsured motorist bodily/property damage to ensure that you have an overall protection.

Bodily Injury Liability

This coverage will pay for the injuries that you caused to others while driving. The minimum that you need to buy of this coverage is $25,000 per person and up to $50,000 per accident.

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Property Damage Liability

The coverage will pay for any damage that you caused to property and possessions of others. It will include repairs and labor cost for repairing the car and also the replacement cost for replacing any item in the car. It will also cover any damage to other property which includes a fence, a mail box etc.

Other than the mentioned coverage's it is mandatory that you purchase insurance which can help you in case you are involved in an accident in which the at-fault driver is uninsured.

Uninsured Motorist Bodily Injury cover

This coverage will pay for the injuries that were caused to you in an accident in which the at-fault driver has no insurance at all. The coverage is useful because the State follows Tort and so your insurer won't pay for any damages that were not caused by you. However, when you buy this coverage, the problem can be tackled as your insurer will now pay for your injuries

The minimum coverage that you are required to purchase is $25,000 per person and $50,000 per accident.

Uninsured Motorist property damage cover

You also have to purchase this coverage so that your property can be insured in case of an accident with an uninsured driver. The minimum limit is $5,000 subject to $200 deductible.

Optional Coverage

You can also buy Collision coverage to cover expenses if your car gets damaged in a collision.

The other coverage is Comprehensive coverage - which will pay for damages caused by almost anything and everything under the sun except for damages due to a collision.

It will cover any damage due to fire, hail, flood, theft, vandalism, arson, impact due to animal etc.

You can use deductibles for both these coverage's. If you want to reduce your premium then you should go for the highest deductible possible. However keep in mind that higher the deductible, higher is the amount that you will pay out of your pocket when you go for claims. So think twice before taking any decision.

When you shop for insurance, comparison shopping is the mantra. It is important that you shop around because there is always this possibility that different companies charge differently for almost the same coverage.

Use internet to explore various companies and obtain quotes from them. Remember that price is not the criteria and so do check that financial stability and consumer ratings.

Don't forget to ask for discounts. In the competitive market, insurance companies vie for larger market share so they often offer various discounts. Using discounts can be to your advantage as they reduce your premium considerably.

So don't be in a haste to purchase your insurance policy. Understand each and everything before you sign on the dotted line. Smart shopping!!

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