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District of Columbia Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in District of Columbia. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in District of Columbia.

DC Auto Insurance Laws and Regulations:

Dept. of Insurance, Securities and Banking / John A. Wilson Building
1350 Pennsylvania Ave
NW Washington, DC 20004

Minimum Car Insurance Coverage in DC:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$10,000 for damage to property

DC Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


DC Uninsured Penalties:

As the nation's capital, D.C. maintains stringent financial responsibility laws. It is risky to drive without proof of insurance, even if you are out-of-state. Naturally, it is much riskier if you are a D.C. resident and lack the required insurance. If you are stopped by a traffic officer and lack proof of insurance, such as an insurance card, you will be issued a fine of $30. If your coverage lapses for 1 to 30 days, you will pay a $150 lapse fee, plus $7 for each additional day past the 30-day limit. You will pay these fees at any Department of Motor Vehicles (DMV) service center in the metropolitan area. Continuing to withhold payment will result in suspension of your registration (or reciprocity sticker) and tags, which will be held by the DMV until you can provide proof of current insurance.

If you are stopped by the police, under DC law, you are required to show your driver's license, registration, and proof of insurance. When you purchase your insurance coverage, you should receive a card or document from your insurance company that contains the name of the insurance company, your policy number, the name of the insured, and the length of coverage for the policy.

The Metropolitan Police Department (MPD) issues citations to drivers who do not have proof of insurance. The proof of insurance law applies to all motorists who drive in the district, no matter where their car is registered or where their driver's license was issued.


DC Department of Insurance Contact Information:

1-202-727-8000

DC State Insurance Department Website:





Directory of District of Columbia Auto Insurance Agents by County

District Of Columbia

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