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District of Columbia Car Insurance Quote

The state motto of the District of Columbia is "Justice for All," and when you are involved in a car accident, the court system will seek justice for all of those involved in the accident. If you are the one at fault for the accident, you or your insurance company will have to pay. For this reason, you are required by District of Columbia law to have car insurance if you are driving in the area.

Car insurance is expensive, but you can save money on your car insurance with the help of and our online insurance shopping center. With our help, you can compare the rates of the best District of Columbia car insurance companies in one place. Having the ability to compare car insurance rates in one place will allow you to find the lowest rate for your particular situation and driving record. We offer car insurance for all parts of the District of Columbia. You can get your free quote right now.

In 2003 the average resident of the District of Columbia paid $1,277 for car insurance premiums in comparison to the national average, which was around $914. Many District of Columbia residents paid more than they should have for their car insurance because they did not know they had an option to pay less. They thought that the state law and the insurance company predetermined how much they had to pay, and that all companies would charge the same amount. The truth is that it is possible to save money on your car insurance when you shop on sites like

The first rate decrease since 1999 is expected in 2007. During 2007, rates will likely drop between .5% and 1% compared to the rates in 2006. This drop has come about due to increased competition from sites like, which allows the consumer to shop for better rates.

Between 1999 and 2003, insurance rates in the District of Columbia rose 12.12%! In 1999, the average resident paid only $1,139 per year for insurance. To make sure you are not paying too much, get your quote from as soon as you can.

If you drive in the District of Columbia, you are driving under a tort system. This means that before you can be charged with any damages from an accident, it must first be proven that you are at fault for causing the accident. If you do not live in the District of Columbia, you should check with your state insurance regulator to learn about the tort system in your state. You can find a list of links to regulators by visiting our State Insurance Regulators page.

Under District of Columbia law, you must have a Bodily Injury Liability coverage of at least $25,000 per individual, and $50,000 per accident, as well as Property Damage Liability coverage of at least $10,000. This minimum is sometimes referred to as 25/50/10 coverage. All District of Columbia insurance you will buy will have these three coverage options.

There are other coverage options not required by District of Columbia law, which may be offered to you by your insurance provider. For example, you may consider getting Uninsured/Underinsured Motorist protection, which protects you and your passengers from any damage caused by someone without car insurance. Additionally, you may consider purchasing Personal Injury Protection, or PIP, which will cover the medical expenses for those in your car if you are involved in an accident.

No matter what your driving record is, even if there are a few marks on it, will work diligently to find the best possible insurance rates for you. You need to make sure that you, your passengers, and your property are protected from accidents and car thieves. Our site is constantly being improved to make it as easy as possible to find the best car insurance to fit your particular needs. Just give us your zip code to start saving money with your online quote. If you are shopping outside of the District of Columbia, find your state in the list below to get your online quote.
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