Washington DC Auto Insurance Information
In the District of Columbia, motorists must carry a minimum of $25,000 per person and $50,000 per accident in
Bodily Injury Liability (BIL) coverage, as well as at least $10,000 in Property Damage Liability (PDL)
insurance. BDL pays for the medical and other accident-related expenses of those injured in the accident, up to
the coverage limits. PDL pays for motor vehicle repair and other property damage, up to the coverage limits.
Washington, DC also requires drivers to carry at least $25,000 per person and $50,000 per accident in uninsured
motorist coverage, along with a minimum of $5,000 in uninsured motorist PDL. Underinsured motorist coverage is
Keep in mind these are the minimum amounts required. For many drivers, it makes sense to purchase additional
coverage to protect their personal assets in case of a serious motor vehicle accident.
While Washington DC does not require collision and comprehensive coverage, lenders will almost certainly mandate
such coverage for leased and financed vehicles. Even if the car is owned outright, it is wise for many motorists
to buy collision and comprehensive coverage if they cannot afford to replace the vehicle in the event of a
SR-22 Insurance in Washington DC
The District of Columbia requires drivers convicted of DUI and other serious traffic violations to have their
insurance company file an SR-22 Form, a certificate of
financial responsibility, with the DC Department of Motor Vehicles.
Washington DC Driver Statistics
About 700,000 people live in the District of Columbia, and approximately 521,000 of them have drivers’ licenses.
It is the 20th most populated city in the U.S. Because there are so many commuters entering and leaving the city
each weekday, primarily from Virginia and Maryland, along with throngs of tourists from throughout the nation
and the world, DC streets are usually crowded. During the workweek, the city’s population rises to 1 million,
and roughly 20 million tourists visit annually.
Named for the first president, Washington DC was founded via the Residence Act of 1790. At the time of its
founding, Columbia was a poetic term often used to describe the new country. Pierre L’Enfant designed the city
on a system in which its avenues grew out from rectangles. Beyond L’enfant’s design, however, 19th-century
developers paid little attention to how streets were built, and in the late 1800s, Congress required that new
roadways in DC conform to the city’s street plan, but did not mandate that existing, nonconforming streets
While government is DC’s top employer, is it far from the only one. The nation’s capital also includes many
employers in business and financial services, education, health and hospitality.
Washington DC Auto Insurance & Accident Facts
In 2018, 34 people died on DC roadways, a 13 percent increase over 2017 deaths. The majority of these traffic
fatalities did not involve people in cars, but motorcyclists, pedestrians, cyclists and those on scooters.
Roughly one-quarter of DC traffic deaths are related to drunken or drugged driving.