Washington, DC Car Insurance

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District of Columbia Car Insurance

If you’re looking to get a District of Columbia car insurance quote or just need information about buying car insurance in Washington, DC, you’ve come to the right place.
 
Whether you’re exploring the White House, spotting the numerous Memorials and Monuments, or catching a Washington Nationals game, experienced Washington, DC drivers like you want to feel secure as you travel the roadways of Washington, DC. You can trust in Washington, DC car insurance from the AARP® Auto Insurance Program from The Hartford,1 because we’ve been protecting AARP members in Washington, DC and their families since 1984.
 

Required Washington, DC Car Insurance Coverage

Washington, DC law requires the following minimum liability limits on Washington, DC car insurance:2
 
  • $10,000 for property damage per accident.
  • $25,000 for bodily injury, per person per accident.
  • $50,000 for bodily injury, total per accident.

Additional Car Insurance Coverages and Benefits Available to DC Drivers

For added protection, Washington, DC drivers may also be eligible for the following coverages from the AARP Auto Insurance Program from The Hartford:
 

Car Insurance Benefits Offered to Washington, DC Drivers

Washington, DC drivers could receive valuable car insurance benefits and discounts from the AARP Auto Insurance Program from The Hartford, including:
 
  • Accident Forgiveness‡
  • Disappearing Deductible‡
  • Comprehensive Driving Evaluation
  •  New Car Replacement§§
  • 24/7 Claim Service

Proof of Car Insurance Required in Washington, DC

Washington, DC law requires you to furnish a copy of your car insurance ID card if requested by a police officer or other party if involved in an accident.
 
If you’re a licensed driver in Washington, DC, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. Washington, DC is also among several states that now accept electronic proof of car insurance, and with The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™
 

Washington, DC Uninsured Driver Facts

According to a 2019 Insurance Research Council report, 19.1 percent of Washington, DC drivers are uninsured. This is below the national average of 12.6%.3
 
Uninsured/underinsured motorist car insurance coverage can help with your medical bills if you’re in an accident caused by an uninsured driver or a driver who does not have adequate car insurance coverage. In Washington, DC, your uninsured/underinsured motorist car insurance coverage must have the following minimum coverage amounts:2
 
  • $25,000 per person
  • $50,000 per accident

Staying Safe on Washington, DC Roads

As you travel through Washington, DC, there are a number of safe driving laws meant to protect you on Washington, DC’s highways and byways. Here are just a few:4
 

Washington, DC Seat Belt Laws:

It is a mandatory law to wear a seat belt while driving the roads of Washington, DC.
 

Washington, DC Distracted Driving Laws:

Texting while driving is banned for all drivers in Washington, DC.
 
 
Last Updated: October 16, 2023
 
Washington DC car insurance
auto insurance definition

Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.
 
To learn more, read through our auto insurance definitions page.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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