: Covers injuries or death you cause to others. $25,000 per person . $50,000 per accident .
Insurance rates in D.C. are influenced by the District's high population density and rising theft statistics . Vehicle Insurance - DC DMV
: Protects you if you are hit by a driver with no insurance. $25,000/$50,000 for bodily injury .
Navigating auto insurance in Washington, D.C., involves understanding specific district mandates and unique local risks like high traffic density and carjacking rates . This guide outlines the essential requirements and cost factors for District drivers as of April 2026.
: Covers damage you cause to another's property (e.g., their car or a building). $10,000 per accident .
District of Columbia law requires all registered vehicles to carry minimum liability and uninsured motorist coverage .
for property damage (subject to a $200 deductible) . 2. Estimated Costs in D.C. (April 2026)