Auto Insurance Washington D.c. Apr 2026

: The Zebra notes USAA often provides the lowest overall rates for eligible members, averaging $642 per year in some datasets.

: As of April 2026, the D.C. Council is considering legislation that would more than double mandatory minimums to $50,000 per person and $100,000 per accident for bodily injury to ensure crash victims are adequately protected.

: Erie was identified by NerdWallet as having the lowest average rates for full coverage at approximately $1,870 per year. auto insurance washington d.c.

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:

: $25,000 per person / $50,000 per accident. : The Zebra notes USAA often provides the

While costs are high, some providers offer more competitive rates for D.C. residents:

: Chubb provides some of the lowest rates for those only seeking the legal minimum, according to Insurance.com . C. rates compare to neighboring Maryland or Virginia ? : Erie was identified by NerdWallet as having

: 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 .