District of Columbia

District of Columbia requires minimum liability of 25/50/10 — $25,000 bodily injury per person, $50,000 bodily injury per accident, and $10,000 property damage. These are state minimums; consumer advocates typically recommend higher limits (100/300/100) to cover serious injuries.

Bodily injury liability in District of Columbia pays for medical bills, lost wages, and pain-and-suffering damages owed to people YOU injure in an at-fault crash. The minimum is $25,000 per injured person and $50,000 total per accident. These are caps on what your insurer will pay; you are personally liable for damages above the policy limit.

Property damage liability in District of Columbia pays for damage YOU cause to other people's vehicles, fences, buildings, and other property. The minimum is $10,000 per accident. Given the rising cost of vehicles and repairs, this minimum often falls short of a single luxury vehicle's repair bill.

District of Columbia REQUIRES uninsured/underinsured motorist (UM/UIM) coverage on every auto policy. UM bodily injury (25/50) and UM property damage ($5,000) coverage are mandatory. UM/UIM coverage protects YOU and your passengers when an at-fault driver has no insurance or insufficient limits to cover your injuries.

DC is an add-on PIP state — PIP must be offered but can be rejected; the District has a modified add-on (not true) no-fault system.

Self-insurance certificates available through the Department of Motor Vehicles for fleets of 25+ vehicles. SR-22 may be required after DUI, uninsured accidents, or revocation.

For the most current minimum auto insurance requirements in District of Columbia, consult the official source at https://disb.dc.gov/. State minimums change periodically; verify current law before relying on these figures.