Washington D.C. Car Insurance (DC)

Living and driving in the capital city of Washington, D.C. means you must carry the individual requirements for car insurance coverage for the area.

Car Insurance Requirements in District of Columbia

At a minimum, you must have $25,000 per person in bodily injury coverage and $50,000 per accident for bodily injury. You must also carry $10,000 for property damage, and underinsured/uninsured motorist coverage is required- which will cover you in the event you are in an accident with someone not carrying insurance or with someone who doesn't have enough coverage to pay for all of the damages. Washington, DC operates as a no-fault state as far as insurance goes, which means there does not need to be a driver declared at fault for every accident, and insurance companies will still pay out on claims.

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Washington D.C. Insurance Costs

The average auto insurance premium in 2003 for residents of Washington, DC was $1,277. This is slightly higher than the national average of $914. This isn't a surprise to people living in the capitol city, though, considering that the overall cost of living is 81% higher than the rest of the country! The average price for a one bedroom apartment is $1,100 per month.

Saving Money on Your DC Car Insurance

Reducing your auto insurance premiums to help make your payments more manageable despite the high cost of living is possible. First, select cars that have received high safety ratings. For 2008, Honda and Ford each have several models that received the higher ratings and the result will be lower insurance premiums. Secondly, driving cars that are not on the list of most commonly stolen vehicles will help keep your premiums low; and adding anti-theft devices will most always result in an insurance reduction. Taking a driver's education course can lower your insurance premiums by as much as 10% over three years, and is well worth the few hours you spend in the classroom.

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