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State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$25,000 limit per person / $50,000 limit per accident
Property Damage Liability
$10,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
Not required
Uninsured Motorist
$25,000 limit per person / $50,000 limit per accident, $5,000 limit on property damage subject to a $200 dedeuctible
Underinsured Motorist
$25,000 limit per person / $50,000 limit per accident, $5,000 limit on property damage subject to a $200 dedeuctible
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
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Explained
Hand-Held Cell Phone Ban:
Yes
In Washington D.C., an officer can give a driver a citation for holding a cell phone even if no other driving offenses are taking place.
All Cell Phone Use Ban for Novice Drivers:
Yes
Drivers with a Learner's Permit cannot use a cell phone at all while driving.
Texting Ban:
Yes
Text messaging is banned for all drivers in Washington D.C.
DUI Laws
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Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
0.20 and 0.25
There are increased penalties for drivers with a BAC of 0.20 and 0.25 or above.
1st offense Suspension:
2-90 days, or until disposition
Administrative license suspension on the 1st offense: In Washington D.C., law enforcers can confiscate a first-time offender's driver's license for 2-90 days, or until disposition, if he or she exceeds the legal limit. Limited driving privileges, such as to and from work, are permitted.
Ignition Interlocks:
Mandatory for all offenders
These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Washington made the installation of ignition interlocks mandatory for all offenders.
Repeat Offenders:
Yes
Minimum penalties for repeat offenders include suspension of driving privileges for at least one year, impoundment or immobilization of offender's vehicles, or the installation of ignition interlocks to all vehicles owned by the offender, mandatory alcohol assessment and treatment, and imprisonment or community service for a second-time offender. Third-time and further offenders can see longer imprisonment or community service sentences.
Open Container Law:
Yes
No driver or passenger can have any bottle, can, or other receptacle containing any alcohol that has been opened, the seal broken, or with partial contents removed in his or her possession or in any area of the vehicle where it would be easily accessible by the driver or passengers.
Graduated Drivers License
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Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 16 years of age, individuals can begin driving with supervision for a period lasting a minimum of six months. In this stage, the new drivers are required to get 40 hours of supervised driving.
Intermediate Stage:
Min. Age: 16.5
Night Driving Restriction: September to June: 11pm-6am (Sun. - Thurs.), Midnight-6am (Fri. - Sat.); July to August: Midnight-6am
Passenger Restriction: No passengers (first 6 months), no more than 2 passengers (for the rest of the period)
Required Supervised
Driving Hours: 10
(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 16 and six months are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of 11pm and 6am Sunday through Thursday and midnight to 6am Friday through Saturday during the months of September to June. In July and August, the night driving restriction is midnight to 6am. These drivers cannot drive with any passengers for the first six months and no more than two passengers for the rest of the intermediate stage.
Full Privilege Age:
Age: 18
(Full driver's license): At the age of 18, D.C. drivers can now get a standard driver's license without any restrictions.
Speed Limit
Rural Interstates:
SPEED LIMIT
Posted
MPH
SPEED LIMIT
Posted
MPH
Urban Interstates:
SPEED LIMIT
55
MPH
SPEED LIMIT
55
MPH
Other Limited Access Roads:
SPEED LIMIT
Posted
MPH
SPEED LIMIT
Posted MPH
Page Source: ghsa.org
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Department of Insurance
Website: disb.dc.gov/
Address: 810 First Street, NE, Suite 701, Washington, DC 20002
Phone: Phone: (202) 727-800
Call Center Hours: Monday to Friday, 8:15 am to 4:45 pm, except District holidays
Buy Cheap Washington DC Auto Insurance in 2024
DMV Information
Website: dmv.dc.gov/
Phone: (202) 737-4404