The District of Columbia is home to many of America’s most important monuments and what better state to have no fault car insurance laws in than one where politicians are never to blame 
“DC is a No Fault Car Insurance State”
Car insurance in DC operates under no fault car insurance laws where drivers in a car accident are responsible for their own damage regardless of who was at fault. This helps minimize nuisance lawsuits, provide faster claims processing and lower car insurance rates however no fault car insurance is a set of laws and not actual car insurance coverage.
All drivers in DC are required to obtain car insurance from a State licensed car insurance company or be subject to fines and/or suspension of a driver license suspension and/or vehicle registration tags.
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DC Car Insurance Requirements
Currently all drivers in DC are required to have both liability and uninsured/underinsured motorist coverage in place while owning a vehicle. Should your car insurance coverage terminate you are required to notify the District of Columbia DMV immediately or be subject to heavy fines. However, it should be noted that regardless of whether or not you notify the DMV all licensed car insurance companies are obligated by law to report any lapse or termination of coverage to the State.
Current (2010) DC car insurance requirements state all drivers must have at least the following minimum levels of coverage:
| Type of Coverage | Minimum Policy Coverage |
| Property Damage | $10,000 |
| 3rd Party Liability Insurance | $25,000 per person / $50,000 per accident |
| Uninsured Motorist Bodily Injury | $25,000 per person / $50,000 per accident |
| Uninsured Motorist Property Damage | $5,000 w / $200 deductible |
DC Car Insurance Companies
DC is one of the highest states for car insurance premiums (in the top 10) so you really need to compare car insurance companies. Over 70 car insurance companies are licensed to provide auto insurance coverage in the District of Columbia and although this a relatively low number compared to most other States there is still a lot of competition in the marketplace. Most national brands including GEICO, Progressive and Allstate offer auto insurance coverage in DC along with many regional auto insurance providers who compete fiercely with the national brands in terms of rates and customer service.
DC Car Insurance Quotes
Anytime you live or own a vehicle in a State that has a high premium average you need to focus on car insurance comparison more than ever before. Car insurance is a fairly simple topic to understand as most policies have common terms and types of coverage however many drivers still have little knowledge about the coverage they purchase. The secret to finding the best DC car insurance rates is to learn about coverage including policy deductibles, car insurance discounts, types of coverage. Only knowledge will lead you to the best car insurance rates and, like it or not, car insurance is one of the few bills you will always have so learning a little today can save you a lot down the road.
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