Car Insurance in Washington D.C.

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Car Insurance in Washington D.C.

Car Insurance in Washington D.C.

One of the most dynamic and vibrant cities in America is Washington D.C. Residents earn an average annual income of about $90,000. That makes it the highest in the nation. Because the city is the U.S. capital, so many people work for the government in high-paying jobs. With the local economy red hot, housing prices have escalated quite a bit since the recession, putting them out of reach for many new home buyers.

The auto market is also thriving in the region, and high-priced exotic cars like Lamborghinis are also selling well. With all those cars on the road means car insurance is a big business in the area. Many people are insured through big firms like State Farm, but direct insurers like Geico are catching on and gaining market share faster than the old companies. According to research done by Value Penguin, car insurance in Washington D.C. is rather expensive, with yearly premiums running about $2,100. This makes the city one of the most costly to insure a vehicle in the United States. Don’t let these average costs alarm you if you are looking to get your automobile insured in D.C. If you have a good driving record and have not had any accidents in the past three years, you can get a cheap policy with good to go insurance online.

Car Insurance Requirements in Washington D.C.

Every driver in the District of Columbia is required to meet or surpass the minimum requirements in the state, set forth by law. The minimum amounts for liability ins coverage are as follows.

  • $25,000 limit for injuries – per person
  • $50,000 limit for injuries – per accident
  • $10,000 in coverage for property damage – per accident

Coverage for Uninsured Drivers

  • $25,000 for injuries, per person
  • $50,000 for injuries, per accident
  • $5,000 in property damage, per accident

Motorists are required to provide proof of insurance at all times, and failure to do so could result in a license suspension and fines. If no proof of insurance is shown after 30 days, a penalty that increases by $7 per day will be imposed. It does not pay to drive without coverage, and it could set you back hundreds of dollars, so if you are not covered, get insured and be a legal driver.

Washington DC Auto Insurance Fraud

Like all big cities, D.C. has a lot of car ins fraud going on. This includes minor lying, like putting a false address on your insurance policy, to staged accidents.

One of the most common frauds that take place is people trying to claim a serious injury, often in the neck, when they are not seriously hurt. These fraudulent issues cost all motorists in the way of higher rates. If you see fraud happening, do the right thing and report it to authorities.

Accidents involving alcohol in Washington D.C.

There are approximately ten auto fatalities each week in the metro area of D.C., and more than one-third of them are related to alcohol. The legal limit for BAC or blood alcohol content is .08 for motorists and .04 for commercially licensed vehicles. If you see anyone operating a vehicle under the influence of drugs or alcohol, call the police immediately. Doing so could save a life. Anyone caught driving under the influence faces severe penalties, including:

1st Offense:

Suspended driver’s license for six months

Fines of $1,000

90-day jail sentence

2nd Offense:

Suspended driver’s license for one year

Fines to $5,000

1-year jail sentence

3rd Offense:

Suspended driver’s license for two years

Fines to $10,000

1-year jail sentence

Getting Cheap Washington D.C. Car Insurance

The fastest way to get cheap Washington D.C. car insurance is by going online and getting a better deal for the coverage you want. If you think that it takes too long to get quotes, think again. With good to go insurance, you can get quoted in about 6 minutes. That’s about the length of time it takes to go through a Mcdonald’s drive-thru. The best thing about buying auto ins direct from good2go is most customers save over $550 and some even more. So get your ins costs lower today with Goodtogo insurance and save more money.