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Car Insurance Coverage Required by the State of District of Columbia

According to District of Columbia car insurance regulations, you are required to have the following coverage:
Required Coverage
Liability:
Bodily Injury
Property Damage
Uninsured Motorist Bodily Injury
(Cannot be waived)
Uninsured Motorist Property Damage
(Cannot be waived)
Underinsured Motorist Bodily Injury
(Cannot be waived)
PIP (Personal Injury Protection)
(Optional)
 State Minimum Limits

$25,000/$50,000
$10,000
$25,000/$50,000

$5,000

$25,000/$50,000

$50,000

District of Columbia Car Insurance Coverage You May Want to Add
Your District of Columbia car insurance may also include the following coverages:
Comprehensive
Collision

Minimum District of Columbia Car Insurance Limits May Be Too Low
For the best Distric of Columbia car insurance protection, you may want to carry at least the following amounts of coverage:
Liability Coverage
Uninsured Motorist
Medical Payments
Collision
Comprehensive
 $100,000/$300,000/$100,000
$100,000/$300,000/$100,000
$5,000
$500
$500

If you want to purchase a District of Columbia Car Insurance umbrella policy, most insurance companies require you to carry specific limits of liability on all your underlying (automobile and homeowner's) insurance policies. In many cases, you may be asked to have limits of $250,000/$500,000 in order to be eligible for an insurance company's umbrella coverage.

Lowering Your District of Columbia Car Insurance Premiums
Here are a couple of simple ways to lower your District of Columbia car insurance premiums: Car insurance premiums are determined by weighing a number of different factors and deciding how much of a risk each of those factors represents—including the age of drivers, driving record, etc. Some factors you have no control over. Others you have choices that can help you lower your District of Columbia car insurance premium. Here are some suggestions.
  • Many experts recommend a deductible of between $500 to $1,000 to help lower your District of Columbia car insurance premiums. The more you’re willing to pay out-of-pocket, the better your premium can be.
  • If the resale value of your car is less than $3,000, many experts suggest that you consider dropping collision and comprehensive coverage altogether. It is an expensive part of your District of Columbia car insurance. However, if you do drop this coverage and your car is stolen or you crash it, you would have to pay for repairs or replacement yourself.
  • Be sure to ask about any available District of Columbia car insurance discounts. How much and what things can earn you a discount will vary from company to company and even from state to state. It’s still always worth asking about.
    Every dollar helps.
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