Insurance in DC

State-specific guides, common questions, and licensed agencies that cover DC.

District of Columbia insurance regulator

Department of Insurance, Securities and Banking

The state office that licenses insurers and agents and handles consumer complaints. It can look into problems like claim delays or unfair treatment, but it does not act as your lawyer.

File a complaint Look up an agent or company license

Links checked Sep 12, 2026. Sites change — tell us if a link is broken.

Minimum car insurance in District of Columbia

25/50/10

This is the least coverage the law requires. It often isn’t enough to pay for a serious accident, and anything above your limits can come out of your own pocket.

Bodily injury liability, per person: $25,000
Bodily injury liability, per accident: $50,000
Property damage liability: $10,000
Personal injury protection (PIP): Insurers must offer optional PIP. It is not mandatory.
Uninsured motorist coverage: Required

UM is mandatory at $25,000/$50,000 bodily injury and $5,000 property damage ($200 deductible).

Source: D.C. Code § 31-2406 Insurance requirements · D.C. Code § 31-2406; § 31-2404 · Reviewed Sep 13, 2026