District of Columbia Car Insurance
If you’re looking to get a District of Columbia
car insurance quote or just need information about buying car insurance in Washington, DC, you’ve come to the right place.
Whether you’re exploring the White House, spotting the numerous Memorials and Monuments, or catching a Washington Nationals game, experienced Washington, DC drivers like you want to feel secure as you travel the roadways of Washington, DC. You can trust in Washington, DC car insurance from the
AARP® Auto Insurance Program from The Hartford,
1 because we’ve been protecting AARP members in Washington, DC and their families since 1984.
Required Washington, DC Car Insurance Coverage
Washington, DC law requires the following minimum liability limits on Washington, DC car insurance:2
- $10,000 for property damage per accident.
- $25,000 for bodily injury, per person per accident.
- $50,000 for bodily injury, total per accident.
Additional Car Insurance Coverages and Benefits Available to DC Drivers
For added protection, Washington, DC drivers may also be eligible for the following coverages from the AARP Auto Insurance Program from The Hartford:
Car Insurance Benefits Offered to Washington, DC Drivers
- Accident Forgiveness‡
- Disappearing Deductible‡
- Comprehensive Driving Evaluation
- New Car Replacement§§
- 24/7 Claim Service
Proof of Car Insurance Required in Washington, DC
Washington, DC law requires you to furnish a copy of your car insurance ID card if requested by a police officer or other party if involved in an accident.
If you’re a licensed driver in Washington, DC, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. Washington, DC is also among several states that now accept electronic proof of car insurance, and with The
Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the
Google Play™ or
App Store.™
Washington, DC Uninsured Driver Facts
According to a 2019 Insurance Research Council report, 19.1 percent of Washington, DC drivers are uninsured. This is below the national average of 12.6%.3
Uninsured/underinsured motorist car insurance coverage can help with your medical bills if you’re in an accident caused by an uninsured driver or a driver who does not have adequate car insurance coverage. In Washington, DC, your uninsured/underinsured motorist car insurance coverage must have the following minimum coverage amounts:
2
- $25,000 per person
- $50,000 per accident
Staying Safe on Washington, DC Roads
As you travel through Washington, DC, there are a number of safe driving laws meant to protect you on Washington, DC’s highways and byways. Here are just a few:4
Washington, DC Seat Belt Laws:
It is a mandatory law to wear a seat belt while driving the roads of Washington, DC.
Washington, DC Distracted Driving Laws:
Texting while driving is banned for all drivers in Washington, DC.
Last Updated: October 16, 2023
