District of Columbia car insurance: minimums, prices and your estimate
The District of Columbia requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $10,000 of property damage liability (written 25/50/10).
In the District of Columbia, uninsured motorist coverage is required and PIP is optional. If you are injured and covered by PIP, you have 60 days to choose PIP benefits, which limit your right to sue, or a traditional liability claim.
Starting October 1, 2027, the minimums for liability and uninsured motorist coverage rise to 50/100/20, enhanced underinsured motorist coverage becomes standard unless you sign a written waiver, and the minimums rise again every 10 years starting January 1, 2037.
- Legal minimum
- 25/50/10
- Fault system
- At-fault (PIP optional)
- Personal injury protection
- Not required
- Uninsured motorist
- Required
- Underinsured motorist
- Must be offered; you can turn it down
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22
What drivers in the District of Columbia can expect to pay
Monthly ranges from our model, anchored to the District of Columbia's position in 7 published price studies from 2025 and 2026 ($3,274 a year for full coverage and $1,055 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $235-$311 | $3,274 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $76-$100 | $1,055 |
| Young driver, full coverage20, own policy, clean record | $437-$655 | $6,548 |
| Senior, full coverage70, clean record | $225-$298 | $3,143 |
| After one at-fault accident35, full coverage | $352-$467 | $4,911 |
| After a DUI35, full coverage | $410-$616 | $6,155 |
| Poor credit35, clean record, full coverage | $418-$602 | $6,122 |
Build your the District of Columbia estimate
Rules worth knowing in the District of Columbia
- Required uninsured motorist coverage is 25/50/5 until October 1, 2027, with a $200 deductible on the property damage part, and you can buy up to 100/300/25.
- Insurers must offer underinsured motorist coverage up to your uninsured motorist limits, and if you turn it down, they do not have to offer it again.
- Optional PIP has three parts you can buy separately: medical and rehabilitation (at least $50,000), lost work income (at least $12,000) and funeral costs up to $4,000.
- If you choose PIP benefits after a crash, you can sue only for a serious injury, such as permanent scarring or impairment or at least 180 days of incapacity, or when your costs exceed your PIP benefits.
- Insurers cannot raise your rate because of an accident unless you were at fault, and they cannot require you to disclose past cancellations or nonrenewals.
- The D.C. DMV can require SR-22 coverage before issuing or reinstating a revoked license or registration; the District sets how long you must keep it, so check with the DMV.
Questions about the District of Columbia car insurance
What is the minimum car insurance in the District of Columbia?
The District of Columbia requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $10,000 of property damage liability (written 25/50/10).
How much is car insurance in the District of Columbia per month?
For a 35-year-old with a clean record, our model puts full coverage at about $235 to $311 a month and state-minimum coverage at about $76 to $100. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is the District of Columbia a no-fault state?
At-fault system with optional personal injury protection: if you buy PIP, after a crash you have 60 days to choose PIP benefits, which limits lawsuits to more serious injuries.
Can insurers in the District of Columbia use my credit score?
Yes. Many insurers in the District of Columbia use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in the District of Columbia?
Only if a court or the state requires one, usually after a serious violation or a lapse. The D.C. DMV can require SR-22 coverage before issuing or reinstating a revoked license or registration; the District sets how long you must keep it, so check with the DMV.