: High rates in the District are attributed to intense traffic congestion, high theft and carjacking rates—ranking second in the nation—and rising medical and vehicle repair costs according to Bankrate .
While costs are high, some providers offer more competitive rates for D.C. residents:
: Erie was identified by NerdWallet as having the lowest average rates for full coverage at approximately $1,870 per year.
The DC Department of Motor Vehicles (DMV) requires all registered vehicles to maintain continuous liability and uninsured motorist coverage. Proof of insurance is required to register a vehicle and must be presented during police stops; electronic proof is legally accepted on mobile devices. The current mandatory minimums are:
Auto Insurance in Washington, D.C.: Rates and Requirements Washington, D.C., is currently facing one of the most expensive auto insurance markets in the United States, with average full-coverage premiums reaching , an 18% increase from the previous year according to reports from DC News Now . Current Legal Requirements
: $5,000 per accident (subject to a $200 deductible). Key Market Trends and News
: $25,000 per person / $50,000 per accident. Property Damage Liability : $10,000 per accident.