Washington, D.C. insurance

Washington, D.C. Insurance Guides

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.

Last updated: June 19, 2026
Jurisdiction: Washington, D.C.
Sources reviewed: DC DISB, DC Department of Motor Vehicles

What Washington, D.C. requires

D.C. requires auto liability at 25/50/10 plus uninsured motorist coverage. PIP is generally optional. Homeowners and renters insurance are not mandated by statute, though leases and mortgages often require coverage. Most employers must carry workers' compensation.

Start with Washington, D.C. auto insurance

Begin with the statewide guide, then review the legal requirements and cost factors.

Auto Insurance

Washington, D.C. Auto Insurance

Washington, D.C. requires 25/50/10 liability and uninsured motorist coverage. Guide to car insurance rules and related DMV requirements.

Washington, D.C. Auto Insurance Requirements

Explore Washington, D.C. Auto Insurance

Other key coverage

Homeowners, renters, and business insurance guidance for Washington, D.C..

Homeowners Insurance

Washington, D.C. Homeowners Insurance

D.C. homeowners insurance for rowhomes, condos, and older housing stock. How to compare coverage without fake insurer rankings.

Explore Washington, D.C. Homeowners Insurance

Renters Insurance

Washington, D.C. Renters Insurance

Renters insurance in Washington, D.C. is commonly required by leases. Coverage for belongings, liability, and urban rental risks.

Explore Washington, D.C. Renters Insurance

Business Insurance

Washington, D.C. Business Insurance

Business insurance in Washington, D.C., including workers' compensation, general liability, and commercial auto considerations.

Washington, D.C. Workers' Compensation Insurance

Explore Washington, D.C. Business Insurance

Public insurance case files

Insurance in the real world

Public records and regulatory reports can show how insurance rules affect actual consumers. These files are not customer testimonials.

Washington, D.C. · Public record

DC Department of Insurance, Securities and Banking

Agency

What happens when a D.C. insurance consumer files a complaint?

The D.C. Department of Insurance, Securities and Banking investigates insurance complaints involving issues such as claims, coverage, premiums, cancellation, refunds, and producer conduct. DISB currently says most complaints are investigated and brought to resolution in approximately 45 days. That is a typical timeline, not a guarantee for every file.

Read case file

Source: DC Department of Insurance, Securities and Banking

Browse public case files

Regional risks in Washington, D.C.

Rowhomes, condos, and older housing stock
High renter and landlord prevalence
Urban property, theft, and liability exposure