Washington, DC Car Insurance

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Discover savings and benefits with the AARP® Auto Insurance Program from The Hartford.
 

Get a Quote

Discover savings and benefits with the AARP® Auto Insurance Program from The Hartford.
 

Get a Quote

Discover savings and benefits with homeowners insurance from The Hartford.
 

Car Insurance for District of Columbia Drivers

Whether you’re exploring the White House, spotting the numerous Memorials and Monuments, or catching a Washington Nationals game, experienced Washington, DC drivers like you want to feel secure as you travel the roadways of Washington, DC. You can trust in car insurance from the AARP® Auto Insurance Program from The Hartford,1 because we’ve been protecting AARP members in Washington, DC and their families since 1984.
 
If you’re looking to get a car insurance quote or just need information about buying car insurance in Washington, DC, you’ve come to the right place.
 

Car Insurance Benefits Offered to Washington, DC Drivers

Washington, DC drivers could receive valuable car insurance benefits from the AARP Auto Insurance Program from The Hartford, including:
 
  • 12-month Rate Protection
  • Comprehensive Driving Evaluation
  •  New Car Replacement§§
  • Accident Forgiveness
  • Disappearing Deductible
  • 24/7 Claim Service

Required Car Insurance Coverages in Washington, DC

Washington, DC state law requires liability car insurance at the following minimum limits:2
 
  • $25,000 for bodily injury, per person per accident.
  • $50,000 for bodily injury, total per accident.
  • $10,000 for property damage per accident.

Proof of Car Insurance in Washington, DC

Washington, DC state law requires you to furnish a copy of your car insurance ID card if requested by a police officer or other party if involved in an accident. That’s why it’s a good idea to keep a copy of your car insurance ID card in the vehicle with your registration. For added convenience, Washington, DC is now among the states that will accept an electronic copy of your ID card. With The Hartford’s mobile app, you can store your ID card right on your mobile device. Visit the App Store™ or Google Play™ for more information.
 

Washington, DC Uninsured Driver Facts

According to a 2012 Insurance Research Council report, 11.9 percent of Washington, DC drivers are uninsured. This is below the national average of 12.6%.3
 
Uninsured/underinsured motorist car insurance coverage can help with your medical bills if you’re in an accident caused by an uninsured driver or a driver who does not have adequate car insurance coverage. In Washington, DC, your uninsured/underinsured motorist car insurance coverage must have the following minimum coverage amounts:2
 
  • $25,000 per person
  • $50,000 per accident

Additional Car Insurance Coverages and Benefits Available to DC Drivers

For added protection, Washington, DC drivers may also be eligible for the following coverages from the AARP Auto Insurance Program from The Hartford:
 
  • Comprehensive
  • Roadside Assistance
  • Transportation Expense

Staying Safe on Washington, DC Roads

As you travel through Washington, DC, there are a number of safe driving laws meant to protect you on the Washington, DC’s highways and byways. Here are just a few:4
 

Washington, DC Seat Belt Laws:

It is a mandatory law to wear a seat belt while driving the roads of Washington, DC.
 

Washington, DC Distracted Driving Laws:

Texting while driving is banned for all drivers in the State of Washington, DC.
 
 
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
If you are age 50 or older, once you're insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile, have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation. Benefit currently not available in HI, MI, NH, NC and TX.
 
§§ Limitations apply.
 
First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. (Call for details.) To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. First Accident Forgiveness is not available to CA policyholders. To qualify for the Disappearing Collision Deductible benefit in most states, all drivers on the policy must have a clean driving record for three consecutive years. NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. The Advantage Plus package option, the Disappearing Deductible benefit and the Accident Forgiveness benefit are not available in all states.
 
‡‡ One Deductible applies for any Home policy (Home Advantage or not) if Auto policy is also insured with The Hartford and includes the Advantage Plus package coverage.
 
Additional disclosures below.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile & Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In California, the Program is underwritten by Hartford Underwriters Insurance Company. In Washington, the Auto Program is underwritten by Hartford Casualty Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Michigan, the Auto and Home Programs are underwritten by Trumbull Insurance Company. In Minnesota, the Auto Program is underwritten by Sentinel Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Pennsylvania, the Auto Program is underwritten by Trumbull Insurance Company, and the Home Program is underwritten by Hartford Underwriters Insurance Company. Homeowners product is not available in all areas, including the state of Florida. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The program is currently unavailable in Massachusetts, Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.