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Washington, D.C. Auto Insurance

Similar to many states, D.C. law mandates a minimum level of insurance for each registered vehicle. If you don't comply with this requirement, you can get smacked with a fine of up to $300.

Luckily, getting the right Washington, D.C. auto insurance has never been easier. At InsureMe, our mission is to help you find the auto insurance that fits your budget and needs. We know choosing between so many companies and policies can be overwhelming.

That's why when you give us a little information, we provide you with up to five, free quotes that match you with Washington, D.C. auto insurance agents.

Don't risk driving without insurance. Simply contact InsureMe today and get insured!

Minimum Requirements for Washington D.C. Auto Insurance

Coverage

Minimum Amount

Property Damage Liability

$10,000

Third party Liability

$25,000 per person/$50,000 per accident

Uninsured Motorist Bodily Injury

$25,000 per person/$50,000 per accident

Uninsured Motorist Property Damage

$5,000 with a $200 deductible

In Washington, D.C., those are the minimums. However, just having the bare minimum is not always the best. There is additional coverage you may purchase to ensure you are protected in case of an accident.

Non-Mandatory Washington, D.C. Auto Insurance

  • Collision Coverage: This type of coverage pays regardless of who is at fault and pays for physical damage to your vehicle caused if you overturn your car or collide with another vehicle or object.
  • Comprehensive Coverage: If your car is damaged through theft, fire, vandalism, hail, falling objects or collision with an animal, comprehensive coverage will pay to repair the physical damage to your vehicle.
  • Towing: This provides reimbursement for towing expenses resulting from an emergency situation.

Knowledge is Power—How Insurance Companies Determine Rates

Washington, D.C. auto insurance agents use several factors to determine your rates. Being an informed consumer can help reduce your premium payments.

  • Amount and Type: The lower your payout limits and less inclusive your coverage, the less you will pay in premiums.
  • Driving Record:  A clean driving record results in lower premiums.
  • Age, Sex and Marital Status: Although it doesn't seem fair, statistics prove certain demographical segments have more accidents and violations, which cause those groups to have higher premiums. For example, young, single male drivers usually pay the most.
  • Location: When there are more people there are more accidents. So those residing in metropolitan areas pay more than those in rural ones.
  • Your Ride: Because some cars cost less to fix, individuals with those cars generally pay less.
  • How Often You Drive: This one is simple: drive more = pay more.
  • Credit History: A strong credit history may favorably affect your premium rate.

Price v. Value

Pinching pennies isn't always a good idea. You should look for insurance that will keep you covered. For instance, a policy that includes towing coverage may be a prudent if you live in an area where you must park on the street either at home or work. Giving InsureMe that type of information helps us to find you the right insurance.

Get your free quotes now. Get movin' and get insured today!


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