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District of Columbia Minimum Car Insurance and Penalties for Driving Without It
The short answer
The District of Columbia requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $10,000 for property damage (25/50/10). Other required coverage: UM 25/50/5.
District of Columbia at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $10,000 for property damage (25/50/10) |
|---|---|
| Other required coverage | Uninsured motorist coverage is required: $25,000 per person and $50,000 per accident for bodily injury, and $5,000 for property damage per accident (with a $200 deductible). |
| First offense for driving uninsured | Driving without insurance carries a civil fine of $500, a license suspension of up to 30 days, or both. The owner of an uninsured registered vehicle also owes $150 per vehicle for 1 to 30 days, then $7 per day, up to $2,500. The Director can require an SR-22 before reinstating a revoked license or registration. |
| Repeat offense | For the second and each later offense, the civil fine rises by 50%, and the license suspension can be up to 60 days, or both apply. |
| Fee to restore after a lapse | Not confirmed on a state source; ask the agency |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in the District of Columbia?
The District of Columbia requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $10,000 for property damage (25/50/10). Other required coverage: UM 25/50/5.
What happens if you drive without insurance in the District of Columbia?
Driving without insurance carries a civil fine of $500, a license suspension of up to 30 days, or both. The owner of an uninsured registered vehicle also owes $150 per vehicle for 1 to 30 days, then $7 per day, up to $2,500. The Director can require an SR-22 before reinstating a revoked license or registration.