Auto Insurance Washington D.c. 〈CONFIRMED〉

: $5,000 per accident (subject to a $200 deductible). Key Market Trends and News

: As of April 2026, the D.C. Council is considering legislation that would more than double mandatory minimums to $50,000 per person and $100,000 per accident for bodily injury to ensure crash victims are adequately protected. auto insurance washington d.c.

: Research from the Consumer Federation of America indicates significant racial premium gaps and unaffordability, with drivers in certain ZIP codes paying much higher rates based on credit history rather than driving record alone. Finding Affordable Coverage : $5,000 per accident (subject to a $200 deductible)

: The Zebra notes USAA often provides the lowest overall rates for eligible members, averaging $642 per year in some datasets. : Research from the Consumer Federation of America

The DC Department of Motor Vehicles (DMV) requires all registered vehicles to maintain continuous liability and uninsured motorist coverage. Proof of insurance is required to register a vehicle and must be presented during police stops; electronic proof is legally accepted on mobile devices. The current mandatory minimums are:

While costs are high, some providers offer more competitive rates for D.C. residents:

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