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Washington D.C. Auto Insurance 
In Washington D.C. you're financially responsible for the damage and injury you cause in an automobile accident. Liability protection insures you for these potential expenses, and is compulsory in Washington D.C.
Washington D.C. minimum liability limits; $25,000 per person for injuries you cause to the other parties, $50,000 total per accident, and $10,000 for damage you cause to the other party's property. Other mandatory coverages include $25,000 (per person) and $50,000 (total per accident) in uninsured (UI) and underinsured motorist (UIM) coverage. Non mandatory options (plan add ons) include medical payments (PIP), blanket umbrella, collision, and comprehensive coverage. In Washington D.C. 21 percent of all drivers are uninsured.
If you are convicted of DUI in Washington D.C. (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.
If you are high risk (multiple tickets and/or accidents), you may have to get car insurance through the District of Columbia Automobile Insurance Plan (DCAIP). The District of Columbia Automobile Insurance Plan was created in 1945 to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market.
Below (again) are the minimal limits.
| State minimums |
Bodily injury liability / person |
Bodily injury liability / accident |
Property damage / accident |
Medical coverage (PIP) |
Uninsured motorist |
| Washington D.C. |
$25,000 |
$50,000 |
$10,000 |
$0 |
$25k/$50k |
Proof of insurance is required when you register the vehicle. Penalties for driving without insurance in Washington D.C. is $300-$500 fine or maximum 30 days jail.
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