State guide
Insurance in District of Columbia
Required coverage, penalties, official contacts and sources for District of Columbia, reviewed 2026-10.
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Car insurance
What District of Columbia requires.
Liability 25/50/10 plus uninsured motorist coverage. Claims system: no-fault (compulsory/no-fault motor vehicle insurance act).
| Coverage | Requirement in District of Columbia |
|---|---|
| Bodily injury liability | Third-party liability: $25,000 per person / $50,000 per accident |
| Property damage liability | $10,000 |
| Injury protection | Not listed on the DMV page |
| Uninsured / underinsured motorist | Uninsured motorist bodily injury: $25,000 per person / $50,000 per accident. Uninsured motorist property damage: $5,000, subject to a $200 deductible |
Required coverage
- Property damage liability: $10,000
- Third-party liability: $25,000 per person and $50,000 per accident
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
- Uninsured motorist property damage: $5,000, subject to a $200 deductible
- Continuous insurance liability coverage for as long as you have and drive your vehicle
Other coverage commonly available
- Collision
- Comprehensive
- Higher liability and uninsured motorist limits
If you drive without required coverage
According to the DC DMV, motorists stopped by the police must display their driver license, vehicle registration and proof of insurance. Metropolitan Police Department officers enforce the proof-of-insurance law, and a civil fine is attached to the infraction. The DMV page does not list the fine amount.
Notices
What to know in District of Columbia.
- The District's Compulsory/No-Fault Motor Vehicle Insurance Act requires every person applying for vehicle registration or a reciprocity sticker in the District to have valid DC vehicle insurance.
- The DC DMV page is several years old. Confirm current limits with the Department of Insurance, Securities and Banking or the DMV.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Start with the Department of Insurance, Securities and Banking
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The DC Department of Insurance, Securities and Banking is the district authority for questions about insurers, agents and complaints.
Health insurance
DC Health Link
DC Health Link (state-based marketplace)
- HealthInsurance.org lists the District of Columbia as a state-run marketplace (DC Health Link). State marketplaces can set their own enrollment dates, so confirm them on the marketplace site.
Contacts
Who to contact.
- DC Department of Insurance, Securities and Banking
- Website: disb.dc.gov
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
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