What is the minimum car insurance requirement in District of Columbia?

District of Columbia requires liability limits of at least 25/50/10. $25,000 per injured person, $50,000 total per accident for injuries, and $10,000 for property damage.

Is District of Columbia an at-fault or no-fault state?

District of Columbia is an at-fault at-fault state for car insurance claims.

Field report · DC

Car insurance in District of Columbia

District of Columbia is a at-fault state with a minimum liability requirement of25/50/10. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/10

Fault systemAt-fault

Uninsured motoristRequired

RegulatorDC Department of Motor Vehicles (DC DMV)

What the minimums actually mean

$25,000 per injured person, $50,000 total per accident for injuries, and $10,000 for property damage.

UM/UIM is required, but at 25/50/5 - note the property-damage figure ($5,000) is lower than the liability minimum's property-damage figure ($10,000). Higher optional limits up to 100/300/25 are available.

Estimated cost

Illustrative estimate: roughly $1,000-$1,900/year for minimum coverage - among the priciest US jurisdictions, reportedly around 35% above the national average.

Why this is a range, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use ourcost calculator for a figure based on your own details, orget matched with carriers directly.

SR-22 & high-risk filings

Typically required after a DUI/DWI conviction, driving without insurance, or to reinstate a suspended/revoked license.

Local conditions worth knowing

DC's dense urban core brings heavy congestion and high pedestrian/cyclist exposure, along with elevated vehicle theft/vandalism rates, all pushing up claims costs.

Frequently asked

What is the minimum car insurance requirement in District of Columbia?: District of Columbia requires liability limits of at least 25/50/10. $25,000 per injured person, $50,000 total per accident for injuries, and $10,000 for property damage.
Is District of Columbia an at-fault or no-fault state?: District of Columbia is an at-fault at-fault state for car insurance claims.
Do I need an SR-22 in District of Columbia?: Typically required after a DUI/DWI conviction, driving without insurance, or to reinstate a suspended/revoked license.
Is uninsured motorist coverage required in District of Columbia?: UM/UIM is required, but at 25/50/5 - note the property-damage figure ($5,000) is lower than the liability minimum's property-damage figure ($10,000). Higher optional limits up to 100/300/25 are available.

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