District of Columbia Car Insurance

Residents of our nation’s capital have the opportunity to view history on a daily basis. Unfortunately, there is a huge influx of tourists in Washington DC every day. The extra traffic tourism brings, along with Washington DC’s already heavy political population makes traveling especially hazardous. This is why it is important that all Washingtonians carry adequate car insurance for their vehicles at all times. CarInsuranceQuotes.com is dedicated to helping Washington DC motorists get the lowest prices on car insurance from reputable companies they can rely on.

Washington DC Car Insurance Requirements

To help lower the frequency of lawsuits filed by Washington DC motorists and keep car insurance premiums as low as possible, our nation’s capital has enacted a no-fault policy for its motorists. Under the no-fault ruling, each driver’s insurance is responsible for their damages and medical expenses regardless of who is at fault in the accident. There are exceptions to the no-fault policy, however. If the damages are extremely severe or the cost of damages exceeds a certain dollar amount, the responsible party can be sued for damages. For this reason, Washington DC has other insurance requirements for its motorists.

Because of the massive amount of motorists on Washington DC’s roadways, the minimum liability insurance requirements are higher than many other states. The minimum liability requirements are currently 25/50/10 for bodily injury and property damage protection.

•    Bodily Injury Liability- Bodily injury liability covers the medical expenses of the driver and passengers of the other vehicle. Under the minimum required coverage, the insurance company will cover a maximum of $25,000 for a single person and a maximum of $50,000 for multiple persons for a single incident.
•    Property Damage Liability- Property damage liability covers repairs to public and private property such as homes and road signs as well as damages to the other driver’s vehicle. Minimum coverage will allow for a maximum payout of $10,000 per incident.

Because of the large amount of out-of-state drivers on Washington DC roadways every day and the fact that many motorists fail to maintain adequate insurance coverage, our nation’s capital also requires Uninsured/Underinsured motorist protection in the amount of $25,000/$50,000 for bodily injury and $5000 for property damage as well. UM protection will help pay for damages to your vehicle and medical expenses when the other motorist fails to provide sufficient insurance protection or the vehicle is damaged during a hit and run.

Washington DC saw one of the biggest drops in the cost of car insurance premiums, down 9.9% from $2753 in 2006 to $2504 in 2007. Unfortunately, Washington DC motorists still have the fifth highest car insurance premiums in the country on average. CarInsuranceQuotes.com is dedicated to helping Washington DC motorists pay the lowest price possible for their car insurance policies. And we make finding low-cost car insurance quotes as easy as clicking a mouse. After entering their Zip code, our customers will be asked a few general questions about their driving record. CarInsuranceQuotes.com will then search our partner companies for the lowest available rates. Getting the best deal on car insurance has never been easier! Enter your zip code below to receive free Washington DC car insurance quotes .

Cities in District of Columbia

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