Maryland · Virginia · Washington, D.C.
US Insurance Guide covers the DMV region only. Each hub explains required insurance, major coverage types, official agencies, and published state guides.
Maryland
Maryland requires registered vehicles to carry liability insurance, matching uninsured motorist coverage, and a personal injury protection offer. Homeowners insurance is not required by state law, though mortgage lenders typically require it. Renters insurance is generally optional unless a lease requires it. Most employers with one or more employees must carry workers' compensation insurance.
Virginia
Virginia requires registered vehicles to carry 50/100/25 liability insurance and uninsured/underinsured motorist coverage at least at those statutory minimums. Extra UM/UIM may be reduced, but it cannot be dropped. The uninsured motor vehicle fee option ended July 1, 2024. Homeowners insurance is not required by statute. Workers' compensation is generally required for employers with three or more employees.
Washington, D.C.
Washington, D.C. requires 25/50/10 auto liability and uninsured motorist coverage. The District has a high share of renters, rowhomes, condos, and older housing stock, so lease-required renters insurance and building-specific property coverage come up often. Most employers need workers' compensation. Homeowners insurance is not required by District statute, but lenders typically require it.
