Are you looking for affordable auto insurance in our nation’s capital? The General® has you covered. The General® offers affordable auto insurance even if you have violations on your driving record, have never been insured, let your policy lapse, or had your license suspended or revoked.

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Below is some information that should help answer some of the more common questions we receive from our D.C. customers.

Washington D.C. Mandatory Coverages

D.C. drivers must have liability insurance to help cover another driver’s expenses resulting from an accident for which you are at fault. In addition, all D.C. auto insurance policies must offer underinsured motorist coverage and personal injury protection, but both can be declined in writing. The coverage minimums are:

  • Bodily Injury Liability: $25,000 per person and $50,000 per accident
  • Property Damage Liability: $10,000 per accident
  • Uninsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident
  • Uninsured Motorist Property Damage: $5,000 per accident (subject to a $200 deductible)
  • Underinsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident (can be declined in writing)
  • Personal Injury Protection: Multiple options (can be declined in writing)

Frequently Asked Questions Regarding Washington D.C. Auto Insurance

What is Personal Injury Protection (PIP) and who does it cover?

PIP is insurance coverage for medical and other expenses, such as wage loss and funeral expenses, which result from an auto accident, no matter who is at fault. PIP covers the person who is named on the policy, household residents related by blood, marriage or adoption, and step- or foster children. It also covers non-family passengers and pedestrians involved in the accident.

What is Uninsured/Underinsured Motorist coverage?

Coverage which protects you and the people in your car in the event another driver hits you with no auto insurance or not enough insurance to cover the loss.

Is there a penalty if I cannot show proof of insurance or if my liability coverage lapses?

Failure to show proof of insurance when stopped by law enforcement can lead to penalties and fines. If you cannot show proof of insurance, even if you hold a valid policy, you are subject to a fine.
Washington D.C. imposes suspensions and fines on drivers who do not carry the minimum coverage. Your insurance company will report any lapse in coverage to the DMV. Failure to have minimum liability coverage and uninsured motorist coverage will result in the following penalties and fines:

  • Suspended registration tag or reciprocity sticker
  • $150 fine for up to 30 days of lapsed coverage
  • An additional $7 per day for each day over 30 days (up to $2,500)

The General® offers instant proof of insurance when you buy auto insurance online at our website.

Additional Resources

Washington D.C. Department of Insurance
Washington D.C. Department of Motor Vehicles
Metropolitan Police Department
The Official Website of the District of Columbia