Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Nov 12, 2020

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As the nation’s capital and the source of politics, news and scandals, Washington DC needs little in the way of introduction. Drivers know Washington DC for its infamous Beltway traffic, and if they are unlucky, for its very high auto theft rates. Below we’ll look at Washington DC auto insurance, and how things work for drivers in the District.

Washington DC Auto Insurance Laws And Requirements

In Washington DC, the liability coverage minimums are:

  • Bodily Injury Liability Coverage – $25,000 per person
  • Bodily Injury Liability Coverage – $50,000 per accident
  • Property Damage Liability Coverage – $10,000

Take a look at how D.C.’s minimum rates compare with surrounding states.

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In DC, you’ll also need Uninsured/Underinsured Motorist Coverage with the following minimums:

  • Property Damage Coverage – $5,000
  • Bodily Injury Coverage – $25,000 per person
  • Bodily Injury Coverage – $50,000 per accident

Like the majority of states, lawmakers in Washington DC chose to operate the District’s auto insurance laws under the ‘tort’ system. Essentially what this means for drivers like you is that whenever an accident or collision occurs, one of the drivers involved will be named the ‘at fault’ party. This person and their auto insurance will then be subject to claims and lawsuits for things like injuries, property damage and more. Washington DC law mandates that drivers must prove they are financially responsible by purchasing minimum amounts of insurance coverage in three different policy types – Bodily Injury Liability, Property Damage Liability and Uninsured Motorist Bodily Injury Liability. Let’s take a brief look at each of these policies and what they mean.

Bodily Injury Liability insurance covers the costs associated with the other party’s injuries when the policy holder is the ‘at fault’ party in an accident. For example, Bob is driving down the road and runs a red light, causing a collision with Mary. Mary suffers injuries as a result of the collision, as well as requiring time off from work. Bob’s BIL policy will pay out for Mary’s injury-related cost claims, including medical treatment, rehabilitation, lost wages, and even death benefits up to the maximum amount of coverage he has purchased. It’s important to know that this policy does not protect the policy holder in any way – the coverage is only intended to be paid out to other parties after a crash. The minimum amount of Bodily Injury Liability coverage is $25,000 per person, per accident and $50,000 for all parties in a single accident.

Property Damage Liability insurance is the policy that covers the ‘at fault’ driver for any damage they do to another person’s property when they cause an accident. Using the above example, Bob’s PDL insurance will pay out claims for damages to Mary’s car, as well as any property inside of it that was damaged in the crash. Again, PDL does not cover any damage to the policy holder’s property – it is strictly intended to pay out claims for damage to others’ property. The minimum amount of coverage for Property Damage Liability is $10,000.

Uninsured Motorist Bodily Injury Liability coverage works a bit different than BIL and PDL. This policy is intended to protect the policy holder and their passengers when they are in an accident caused by someone who doesn’t have auto insurance. Like BIL, the minimum amount of Uninsured Motorist Bodily Injury Liability coverage is $25,000 per person, per accident and $50,000 for all parties in a single accident.

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Washington DC Auto Insurance Rates

Thanks to some unfortunate statistics that we’ll look at shortly, drivers in Washington DC pay considerably more for their car insurance than those in the rest of the country, on average. As of August 2011, the median rate for auto insurance in Washington DC is $2,109; those that live in downtown DC are looking at a much higher $2,357. This is hundreds of dollars per year more than the national average of $1,436, and is one of the highest average car insurance rates in the nation.

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With no real rural areas and crazy traffic all over the district, it shouldn’t come as a surprise that the rates across different ZIP codes does not vary much.

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There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

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While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

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Washington D.C. Auto Insurance Rates by Company

Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

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But which companies are the largest, holding the most market share percentage in the region?

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The chance of getting in an accident while driving Washington DC roads are considerably higher than those in the rest of the country, with the District ranking in the top five metropolitan areas for crash rates. In 2008 (the most recent year for which data are available) the District had 16,147 reported collisions, which resulted in 39 fatalities and 6,792 injuries. Overall crashes are relatively unchanged in the past decade, but thankfully the fatality numbers continue to drop year after year, with 2001 the peak year at 71 fatalities due to automobile accidents. For the sake of comparison, the 2006 numbers were 16,209 crashes and 41 fatalities; these numbers show that if auto crashes are trending downward, the trend rate is statistically insignificant. Washington DC drivers stand to save quite a bit on their car insurance rates by placing a greater focus on traffic safety, but only time will tell if this occurs.

If you currently live in Washington DC, you’re already aware that crime is a serious issue in the District, and although things have gotten slightly better in recent years, the situation still isn’t good when it comes to auto theft. While ranking 50th in total population, Washington DC actually ranks first place for auto theft – a sad reality for drivers that live in the area, and one of the many causes for the District’s high auto insurance rates. In 2009, a total of 5,532 vehicle thefts were reported throughout Washington DC, which represents an incredibly high rate of 922.5 stolen vehicles for every 100,000 citizens. While these numbers are very high, the good news is that they are trending downwards and hopefully the increased pressure from the District’s law enforcement agencies will help to reduce things further. Comparing the 2009 totals with those from 2003, which saw 9,906 auto thefts and a 1,777 thefts per 100,000 citizens theft rate, shows just how much progress has been made. With hard work and a little luck, these numbers will continue trending down into the future.

Cheap Auto Insurance In DC

Here at 4AutoInsuranceQuote.com, it’s our goal to make finding the best Washington DC auto insurance rates quick and easy. With around a dozen different insurance carriers offering auto insurance here in the nation’s capital, it can really pay off to check them out and see which has the best rates given your current situation.

We’ve built a tool into this webpage that will help you find the best prices for car insurance in DC. All you need to do is scroll to the top of the page and enter your home ZIP code in the box at the top. It’s really that easy!

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Washington DC Auto Insurance Agents

Are you looking for the best auto insurance rates in Washington? If so, check out our list of auto insurance agents below. To get rates for your vehicle, contact these agents directly. If you would like to compare auto insurance rates in Washington online, please enter your Washington zip code at the top of this page to get the cheapest car insurance quotes in the area.

The Capital Group
1455 Pennsylvania Ave NW Ste 400, Washington, DC 20004
(301) 2147666

AAA Insurance
1405 G St NW, Washington, DC 20005
(202) 4816811

Wells Fargo Insurance Services USA
1401 H St NW Ste 750, Washington, DC 20005
(202) 7835810

Flather & Perkins
888 17th St NW Ste 508, Washington, DC 20006
(202) 4668888

Rust Insurance Agency
910 17th St NW Fl 9, Washington, DC 20006
(202) 7765000

D H Lloyd & Associates
1625 K St NW Ste 400, Washington, DC 20006
(202) 2231506

Everge Insurance Services
1629 K St NW Ste 300, Washington, DC 20006
(202) 6816147

Bryan Scott
1001 Connecticut Ave NW Ste 201, Washington, DC 20036
(202) 2935050

Kevin Hassett
1001 Connecticut Ave NW Ste 201, Washington, DC 20036
(202) 4638407

Newtek Insurance Agency
1627 K St NW Ste 1000, Washington, DC 20006
(866) 3807007

Tom Brown & Company
1425 K St NW Ste 350, Washington, DC 20005
(202) 3937755

Alliance Insurance Services Inc
1660 L St NW Ste 210, Washington, DC 20036
(202) 6381010

Marvin A Address & Associates
1725 Desales St NW Ste 802, Washington, DC 20036
(202) 4290206

Clements & Company
1 Thomas Cir NW Fl 8, Washington, DC 20005
(202) 8720060

Greg Owens
1730 Rhode Island Ave NW, Washington, DC 20036
(202) 4632480

Jay Frye
1211 Connecticut Ave NW Ste 520, Washington, DC 20036
(202) 8610721

Maurice Brown
4900 Mass Ave NW Ste 235, Washington, DC 20016
(202) 7472050

Huntington T Block Insurance Agency
1120 20th St NW Frnt 6, Washington, DC 20036
(800) 4248830

Max James
1713 7th Street NW South Retail, Washington, DC 20001
(202) 3190005

Garry Blunt
955 L’enfant Plaza North No. 1205, Washington, DC 20024
(202) 8632700

Johnson Family Insurance Agency
1534 14th St NW, Washington, DC 20005
(202) 5774622

The Harold Group
702 N St NW Apt 402, Washington, DC 20001
(202) 8981911

Howard W Phillips & Company
2555 Pennsylvania Ave, Washington, DC 20037
(202) 3319200

Pj Hemnani
2141 P St NW Ste 105, Washington, DC 20037
(202) 4638408

Barry Lumsden Insurance Agency
1525 9th St NW, Washington, DC 20001
(202) 3871160

Apex Insurance Group
20 F St NW Fl 7, Washington, DC 20001
(202) 6814150

Gregory Owens
1512 U St NW Fl 2, Washington, DC 20009
(202) 4089451

M Squared Risk & Insurance
1010 Wisconsin Ave NW Ste 200, Washington, DC 20007
(202) 2902490

Chris Miller
1009 U St NW, Washington, DC 20001
(202) 3281210

Elite Insurance & Consulting Services
430 M St SW # 206, Washington, DC 20024
(202) 9055800

JHC Insurance Agency
71 Florida Ave NW Fl 1, Washington, DC 20001
(202) 8323388

Eric Hardiman State Farm Insurance
1540 N Capitol St NW Ste 201, Washington, DC 20002
(202) 6435905

Jimmy Podoley
236 Massachusetts Ave NE Ste 100, Washington, DC 20002
(202) 5462244

Cedar General Insurance Agencies
1730 N Lynn Street Suite A50, Arlington, VA 22209
(703) 8071018

Crystal Insurance Group
1744 Columbia Rd NW Apt 3, Washington, DC 20009
(202) 3879162

Mohammad Y Bajwa
1730 Columbia Rd NW, Washington, DC 20009
(202) 3877932

Angela Rosser
528 H St NE Ste 2, Washington, DC 20002
(202) 5470008

Thacker Insurance & Financial Services
2600 Connecticut Ave NW Ste 200, Washington, DC 20008
(202) 7851966

Tim Lacasse
617 Pennsylvania Ave SE, Washington, DC 20003
(202) 5484229

Waymon L Lynch
3016 14th St NW, Washington, DC 20009
(202) 4629243

Jackie A Walker
420 8th St SE, Washington, DC 20003
(202) 5485240

Countrywide Insurance Company
1377 Kenyon St NW, Washington, DC 20010
(703) 8015062

Mike Jones
522 8th St SE Ste B, Washington, DC 20003
(202) 5463200

Peruvian Insurance Agency
1916 Wilson Blvd Ste 304, Arlington, VA 22201
(703) 2435660

TWFG Insurance Services Rob Robinson
2201 Wisconsin Ave NW Ste C110, Washington, DC 20007
(202) 6849898

Geoff Collins
2233 Wisconsin Ave NW Ste 224, Washington, DC 20007
(202) 3334134

Maurice Brown
1200 G St SE # A, Washington, DC 20003
(202) 5461493

Brad Ryant Sr
1334 H St NE, Washington, DC 20002
(202) 3886411

Analia Ramos Insurance Agency
3537 6th St NW, Washington, DC 20010
(571) 4717130

Tawana Mensah
1332 Pennsylvania Ave SE, Washington, DC 20003
(202) 5063636

Payne Insurance Agency
3600 14th St NW, Washington, DC 20010
(202) 6292233

Lockhart’s Insurance Services
3907 Georgia Ave NW, Washington, DC 20011
(202) 8296222

Johno Steffen
2762 Washington Blvd Apt 1a, Arlington, VA 22201
(703) 2436565

Herbert L Jamison & Company
1220 N Fillmore St Ste 400, Arlington, VA 22201
(703) 2580094

Stephon Scriber
2639 Connecticut Ave NW Ste C110, Washington, DC 20008
(202) 2345555

C M R Insurance Agency
37 N Fillmore St, Arlington, VA 22201
(703) 3519494

Harvey Ostrow
3132 10th St N Ste 2, Arlington, VA 22201
(703) 5277222

Rudy Alston III
2901 12th St NE, Washington, DC 20017
(202) 6350850

Prabakaran Thomas
3408 Wisconsin Ave NW Ste 209, Washington, DC 20016
(202) 5371133

Gloria Perez
4322 Kansas Ave NW, Washington, DC 20011
(703) 7869044

G J Graham
3411 Washington Blvd, Arlington, VA 22201
(703) 5251800

Bill Welsh
933 N Kenmore St Ste 220, Arlington, VA 22201
(703) 5241976

Joli Brown
4818 Macarthur Blvd NW Fl 1, Washington, DC 20007
(202) 7350086

Lloyd Chesley Jr
3500 12th St NE, Washington, DC 20017
(202) 8631400

Pacific Insurance Agency
901 S Highland St Ste 319, Arlington, VA 22204
(703) 9792090

Tsige Paulo
3045 Columbia Pike Ste A, Arlington, VA 22204
(703) 3023770

Mark W Wardlow
3617 12th St NE, Washington, DC 20017
(202) 5268181

Doug Girma
3512 Lee Hwy, Arlington, VA 22207
(703) 6602316

Nationwide Agency
3201 Columbia Pike, Arlington, VA 22204
(571) 4386902

Richard Frick
3201 New Mexico Ave NW Ste 252, Washington, DC 20016
(202) 6865197

Stephen W Papovich
802 S Glebe Rd, Arlington, VA 22204
(703) 5218779

Terry White, Sr
4301 Connecticut Ave NW Ste 143, Washington, DC 20008
(202) 3623535

Howard & Hoffman
3201 New Mexico Ave NW Ste 300, Washington, DC 20016
(202) 9660700

Golden Insurance Agency
3103 13th St S, Arlington, VA 22204
(703) 5382285

David Seidel
413 S Glebe Rd, Arlington, VA 22204
(703) 9205012

Sal Nooristani
200 N Glebe Rd Ste 235, Arlington, VA 22203
(703) 2430700

Kevin Gallagher
4001 9th St N Ste 101, Arlington, VA 22203
(703) 5259500

Adria Brown
2413 26th Rd S, Arlington, VA 22206
(703) 5588200

Georgetown Insurance Group
5125 Macarthur Blvd NW, Washington, DC 20016
(202) 5370064

Howard Eales
5157 Macarthur Blvd NW, Washington, DC 20016
(202) 3634088

M Afarin Rooholamini
4301 Fairfax Dr Ste 190, Arlington, VA 22203
(703) 7601514

Leroy Berkley
723 Kennedy St NW, Washington, DC 20011
(202) 8292771

Atlas Insurance Agency
3305 Mount Vernon Ave, Alexandria, VA 22305
(703) 5490000

Cascade Insurance Group
1100 N Glebe Rd Ste 1010, Arlington, VA 22201
(703) 5512000

Kenya Zambrano
4620 Lee Hwy Ste 208, Arlington, VA 22207
(703) 4652886

Michele Conley
4701 Wisconsin Ave NW, Washington, DC 20016
(202) 9666677

Soltech Insurance Agency Ana Quinteros
944 S Wakefield St Ste 100, Arlington, VA 22204
(703) 2710345

Troka Insurance
210 Riggs Rd NE Ste B, Washington, DC 20011
(202) 6350077

Ernesto Bandini
2605 Mount Vernon Ave Ste B, Alexandria, VA 22301
(703) 5490104

Anchor Insurance
3200 Otis St, Mt Rainier, MD 20712
(301) 6998977

David W Kushner
3200b Otis St, Mt Rainier, MD 20712
(301) 2772535

Donna Carter
2309 Mount Vernon Ave, Alexandria, VA 22301
(703) 5489790

Capital Benefits Corporation
5028 Wisconsin Ave NW Ste 103, Washington, DC 20016
(202) 3624500

Alston & Associates
6234 Georgia Ave NW, Washington, DC 20011
(202) 8292510

Gene Cartwright
2721 Branch Ave SE, Washington, DC 20020
(202) 5846000

J Reed Laughlin
5100 Wisconsin Ave NW Ste 516, Washington, DC 20016
(202) 3648200

Minus & Associates
6230 3rd St NW, Washington, DC 20011
(703) 9208899

Stephen Hoyt
5217 Wisconsin Ave NW Ste 1, Washington, DC 20015
(202) 3643412

Wil Christian
4236 Hildreth St SE, Washington, DC 20019
(202) 5823333

Jon Laskin
5600 Connecticut Ave NW Ste 400, Washington, DC 20015
(202) 3648861

Mouton Insurance Brokerage
7059 Blair Rd NW Ste 202 # 5, Washington, DC 20012
(202) 6677446

Discount Auto Insurance
7321 Georgia Ave NW, Washington, DC 20012
(202) 8829850

Paul Cofer
7414 Georgia Ave NW Ste 2, Washington, DC 20012
(202) 7225100

V. W. Brown Insurance Service
3286 Chestnut St NW, Washington, DC 20015
(202) 9660566

Keith Edwards
7813 Georgia Ave NW, Washington, DC 20012
(202) 7267771

Washington DC Automobile Insurance Resources