Washington D.C. Insurance Requirements & Rates

Washington D.C. requires minimum liability coverage of 25/50/10 (bodily injury per person / per accident / property damage). Washington D.C. is an at-fault state, meaning the driver who caused the accident is responsible for paying damages. Uninsured motorist coverage is required.

Washington D.C. homeowners face risks from flooding, severe thunderstorms, hurricanes, winter storms. The flood risk level is moderate and earthquake risk is low. Standard deductibles apply. The average annual home insurance premium is $1,275.

Washington D.C. requires all motorcycle riders to wear helmets. Lane splitting is not legal. Eye protection is required for all riders. The riding season is april–october.

Yes, workers' compensation insurance is required in Washington D.C.. Sole proprietors with no employees may opt out. Washington D.C. has approximately 80,000 small businesses, with top industries including Government Contracting, Legal Services, Technology.

Yes, Washington D.C. has expanded Medicaid. The state has its own state-based health insurance marketplace at https://dchealthlink.com. The uninsured rate is 4%.

Yes, landlords in Washington D.C. can require tenants to carry renters insurance as a condition of the lease. About 59% of Washington D.C. residents are renters, with average monthly rent of $1,785.

Washington D.C. has an uninsured motorist rate of 19.1%, which is above the national average. Factors include dense urban traffic with heavy government and commuter congestion. The state requires uninsured motorist coverage to protect drivers.

With a median household income of $93,547, most Washington D.C. families should consider 10-12x their annual income in life insurance coverage. Currently, 50% of Washington D.C. households have life insurance.