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District of Columbia guides
Auto
DC Car Insurance Requirements: Minimum Coverage, Uninsured Motorist, PIP Offers and What to Ask Your Agent
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.
AutoAverage Cost of Car Insurance in Washington, DC: What Drivers Pay and What Drives Your Quote
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.
AutoDC Insurance Lapse Fees: The DMV Fines, the Payment Plan, and How to Clear a Lapse
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
DC No-Fault Insurance: How the District's Choice System Works After a Crash
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
DC Renters Insurance: What It Costs, What It Covers, and Whether a Landlord Can Require It
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
DC Homeowners and Condo Insurance: What It Costs, What It Covers, and What the Condo Act Requires
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
DC Health Insurance Penalty: Who Owes It, How Much It Is for 2026, and How to Qualify for an Exemption
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
DC Paid Family Leave: The Employer Tax Rate, Who Is Eligible and How Much It Pays
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
Do You Need Flood Insurance in DC? Flood Zones, Lender Rules and What Coverage Costs
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
DC Business Insurance: What District Law Requires and What Is Worth Asking About
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.