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Scan this page for auto insurance quotes, rates, facts, laws and statistics, as well as hints on how to score the best possible deal on Washington DC car insurance.
Minimum Coverage for DC Auto Insurance
According to laws specific to the District of Columbia, the minimum required auto insurance coverage per car includes basic liability coverage as well as five thousand dollars in Uninsured Motorist protection (UMI). UMI covers the policyholder if hit by an uninsured vehicle, or by a driver who flees the scene.
The minimum required liability coverage in Washington DC is 25/50/10 per vehicle. In other words, the insurance carrier will pay up to $25,000 in Personal Injury Protection for death or injury to the driver, $50,000 in per-accident protection, and $10,000 against property damage.
However, even these amounts frequently fail to cover the costs of a real accident. That's why the Insurance Information Institute urges all motorists in America to buy 100/300 coverage per vehicle. Still, most DC drivers remain under-insured, and roughly 15% of vehicles on roads in DC, Maryland and Virginia are uninsured altogether. That's why UMI is required in this region.
Penalties for Driving Without Insurance in DC
The penalty for getting caught driving an uninsured vehicle in Washington DC is a fine of up to $2,500 and a suspended license. Later, you would also have to pay reinstatement fees. Uninsured driving convictions also result in raised premiums.
Auto Insurance Rates in Washington DC
Premiums on DC car insurance are first based on site-specific factors like climate, economy, traffic congestion, crime rates, and a few other things.
Also affecting annual premiums are the driver's age, gender, marital status, driving record, credit history and car make, to name a few.
The average annual premium for car insurance in Washington DC was about $2,006 in 2013, according to insure.com. This figure falls way above the national average, which was about $1,510 at that time.
According to insurance experts at Top50States.com, DC's lofty premiums may be a result of the area's high-above-average population density, and high above average crime rate, as well as a relatively high rate of uninsured drivers.
One fun way to reduce the cost of auto insurance in Washington DC is to purchase your policy in Maryland, where the average rates are lower. As well, the Maryland Automobile Insurance Fund (MAIF) provides assistance to drivers who are unable to get car insurance. Their programs include the Uninsured Division, which is funded mainly by penalties and fines imposed on uninsured Maryland drivers.
Car insurance premium rates are further slashed by combining discounts. For instance, car insurance providers offer a full range of discounts for safe drivers, smart drivers, senior citizens, good students, drivers who buy more than one policy, and drivers who own more than one car, among others.
Auto Insurance Quotes in Washington DC
According to consumer ratings, the most popular auto insurance carriers in Washington DC are Allstate, AAA, Progressive, Geico, State Farm and 21st Century Insurance.Still, many DC drivers opt for smaller companies like Erie Car Insurance or The Advantage Group. Overall, DC supports many car insurance carriers who offer adequate coverage at competitive rates. Call around and inquire. Ask about their discount programs. Compare quotes. Then just pick the cheap insurance car company that offers you the best deal.
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