States
District of Columbia minimum car insurance: 25/50/10
At least $25,000 per person, $50,000 per accident and $10,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
District of Columbia minimum: 25/50/10 · Choice of no-fault or tort
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$95,000
- Total damages: $155,000
- Injury paid by the policy: $50,000 (per-person cap reached)
- Property paid by the policy: $10,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
The District's chapter is titled Compulsory/No-Fault Motor Vehicle Insurance, but personal injury protection is an option here. Section 31-2406 sets $25,000 per person, $50,000 per accident and $10,000 for property, and adds mandatory uninsured motorist cover of 25/50 with $5,000 for property and a $200 deductible on that property part. Insurers must offer personal injury protection under section 31-2404, with medical benefits of at least $50,000 and work loss of at least $12,000, paid without regard to fault. A victim who elects those benefits must tell the insurer within 60 days and may then sue only under the conditions of section 31-2405. Penalties in section 31-2413 include a civil fine of $500 or up to 30 days of suspension for a first driving offense. A lapse costs $150 per vehicle for 1 to 30 days, then $7 a day, up to $2,500.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in District of Columbia
The figure to watch here is the last one: $10,000 of property cover is thin against the price of one late-model car, whatever the injury limits say.
$25,000 is the most the policy pays for one injured person. $50,000 is the most it pays for everyone hurt in the crash. $10,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $25,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $50,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $10,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for District of Columbia.
What else we read for District of Columbia
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Insurers must offer optional personal injury protection; a victim who elects it may sue only under stated conditions (D.C. Code 31-2404, 31-2405). | official text |
| Other required or offered cover | Uninsured motorist cover of $25,000 per person, $50,000 per accident and $5,000 for property must be included. | official text |
| Penalties | Civil fine of $500 or a license suspension of up to 30 days for a first driving offense. A lapse costs $150 per vehicle for 1 to 30 days, then $7 a day up to $2,500 (D.C. Code 31-2413). | official text |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.