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washington, dc, car insurance through an esurance partner

Whether it's the palatial beauty of the White House, the blossoms trickling from cherry trees in springtime, or its unrivaled culture and history, one thing's for sure: Washington, DC, is one of the most unique places in the world to call home.

Affordable DC auto insurance through Esurance can make it even better. Even though we don't offer car insurance in the District of Columbia, we still partner with other top–notch companies in the industry to ensure you're getting the most bang for your buck. Start your online quote to see how much you could start saving today.

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required car insurance coverages in dc

Liability insurance

If you're found at fault in an accident, basic liability coverage helps pay for the other person's medical expenses and car repair bills.

Drivers need at least the following liability limits in order to legally drive in DC:

  • $25,000 of bodily injury coverage per person
  • $50,000 of bodily injury coverage per incident
  • $10,000 of property damage coverage per incident

These limits are often expressed as 25/50/10. You can always choose higher limits if you want additional financial protection in the event of an accident.

Uninsured motorist coverage

DC drivers are also required to carry protection against drivers without insurance.

You'll need to carry at least the following limits for uninsured motorist coverage on your Washington, DC, car insurance policy:

  • $25,000 of uninsured motorist bodily injury per person
  • $50,000 of uninsured motorist property damage per incident
  • $5,000 of uninsured motorist property damage per incident

If a motorist without insurance (or without high enough limits to pay for your damages) hits you and injures you or your passengers — or damages your vehicle — uninsured motorist coverage can step in to help ensure you don't have to pay accident-related expenses out of pocket.

optional dc coverages

Adding some of these extra protections to your DC auto policy can offer you added peace of mind in the event of a claim. See if they're available when you get a quote:

  • Comprehensive
  • Collision
  • Medical payments
  • Emergency road service
  • Rental car
  • Electronic equipment

If you're financing or leasing a vehicle, you might be required to add comprehensive and collision coverages to your policy.

auto insurance discounts in washington, dc

Living in DC can feel larger than life, but that doesn't mean your car insurance rates need to be monumental.

Auto insurers generally offer all kinds of discounts in DC, so be sure to check and see if you qualify for some of these common money-savers when you get a quote:

  • Good student discount
  • Multiple vehicles discount
  • Safety feature discount
  • Homeowners discount

You can also sometimes get discounts for being accident–free, taking a driver safety course, and even just maintaining multiple insurance policies with the same company. It never hurts to ask what's being offered!

factors that could affect what you pay

Insurance companies usualy consider several factors when determining your auto insurance premium. Some of them include:

  • Credit-based insurance score
  • Your car's year, make, and model
  • Location where your car is parked or garaged
  • Insurance history, including any lapses
  • Driving record and claims history
  • Coverages, limits, and deductibles you choose
  • Any discounts you may qualify for

insurance info for dc drivers

Proof of insurance

If you get pulled over by a police officer, you'll have to provide them with your drivers license, your vehicle's registration papers, and proof of a current Washington, DC, car insurance policy.

Even if you have a current auto insurance policy but can't provide proof, you may still face a $30 fine.

Uninsured drivers

According to the Insurance Research Council, about 12 percent of Washington, DC, drivers were uninsured in 2012. That was a little lower than the national average of 12.6 percent.

Penalties for driving without insurance

If you cancel your car insurance or your policy lapses for any reason, your former insurer will notify DC's Department of Motor Vehicles.

Failing to maintain basic liability insurance in DC can lead to suspended vehicle registration. A lapse of 30 days or less will cost you a $150 fine, but the repercussions of not having insurance increase significantly after that.

For each day that your lapse exceeds the 30–day deadline, you will be fined an additional $7 per day (up to $2,500) until you secure coverage.

Alternative insurance options for DC drivers

Motorists in the nation's capital who can't get auto insurance through the voluntary market (because of policy affordability issues or being deemed a high–risk driver) may qualify for the District of Columbia Automobile Insurance Plan (DCAIP). For more info, visit the DCAIP site.

Safe driving in DC

The District of Columbia had the fewest traffic–related deaths of any area in the country with 15, according to 2012 data from the National Highway Traffic Safety Administration.

To put that in perspective, the state with the second–lowest traffic–related deaths was Alaska with 59.

Related links

Esurance Coverage Counselor®
We can help you tailor your auto insurance policy coverages with our innovative online tool.

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Expert info from Esurance can help dispel common car insurance myths like this one. Read on for more.

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