--- title: "District of Columbia guides" description: "All 10 Riskado insurance guides for District of Columbia, newest first." url: "https://riskado.com/district-of-columbia/" lang: "en" image: "https://riskado.com/og/default.jpg" alternates: es: "https://riskado.com/es/distrito-de-columbia.md" --- District of Columbia # District of Columbia guides ## Insurance agencies in District of Columbia Insurance agencies across District of Columbia, with addresses, phone numbers and opening hours. - [Washington](https://riskado.com/agencies/district-of-columbia/washington/) RiskadoInsurance broker Aflac Insurance Agent: Susan Scott Washington, DCaflac.com Insurance broker ### [Aflac Insurance Agent: Susan Scott](https://riskado.com/agencies/district-of-columbia/washington/aflac-insurance-agent-susan-scott/) 4940 A St SE #103, Washington, DC 20019 [(301) 985-2020](tel:+13019852020) [See every agency in District of Columbia](https://riskado.com/agencies/district-of-columbia/) - [Auto](https://riskado.com/dc-car-insurance-requirements/): DC requires 25/50/10 liability plus uninsured motorist coverage on every registered car. See the PIP offer, DMV rules, lapse fines and what to ask an agent. - [Average Cost of Car Insurance in Washington, DC: What Drivers Pay and What Drives Your Quote](https://riskado.com/average-cost-of-car-insurance-in-dc/): DC drivers spent an average of $1,501.94 per insured car in 2022, about $125 a month, per the NAIC. See what the averages include and what moves a DC quote. - [DC Insurance Lapse Fees: The DMV Fines, the Payment Plan, and How to Clear a Lapse](https://riskado.com/dc-insurance-lapse-fees/): DC charges $150 for a lapse of 1 through 30 days, then $7 a day up to $2,500, plus $100 to reinstate a suspended registration. How to clear or pay a DMV notice. ## More District of Columbia guides - [Auto](https://riskado.com/dc-no-fault-insurance/): DC insurers must offer PIP, but it is optional. A crash victim has 60 days to elect PIP, which pays medical, work-loss and funeral costs regardless of fault. - [Home and Renters](https://riskado.com/dc-renters-insurance/): DC law sets no general renters insurance requirement, but a lease can. An HO-4 policy covers belongings, liability and living costs; DC averaged $186 in 2023. - [Home and Renters](https://riskado.com/dc-homeowners-and-condo-insurance/): DC has no universal homeowners insurance mandate, but lenders require it. HO-3 policies averaged $1,384 in 2022, and the Condo Act sets HO-6 owner minimums. - [Life and Health](https://riskado.com/dc-health-insurance-penalty/): DC still charges a health insurance penalty: for 2026, $845 per adult and $422.50 per child or 2.5% of income, capped at $4,965 per person. See the exemptions. - [Business](https://riskado.com/dc-paid-family-leave/): DC Paid Family Leave costs employers 0.75% of wages with no wage cap. From October 1, 2026 it pays up to $1,100 a week for up to 12 weeks. See who qualifies. - [Home and Renters](https://riskado.com/dc-flood-insurance/): Flood insurance is not required for every DC property, but federally regulated loans on buildings in a FEMA high-risk zone need it. Home policies exclude flood. - [Business](https://riskado.com/dc-small-business-insurance/): DC employers need workers' comp from the first employee, business vehicles need continuous coverage, and PFL is 0.75% of wages in 2026. See what else applies.