Non-owner car insurance in Washington, DC

What companies offer non-owner insurance in Washington, DC?

We priced 4 companies, showing the cheapest first. USAA charges $231, but only military families can buy from it.

For a non-owner policy in the District of Columbia, what coverage must you carry?

Per D.C. Code 31-2406 says bodily injury coverage for one person must be at least $25,000. The minimum for the whole crash is $50,000. You need $10,000 of coverage for the property damage you cause. Section 31-2406 appears on the DC Council's code page.

Uninsured motorist coverage is also required; it pays you if the at-fault driver has no insurance. The DC DMV vehicle insurance page shows that the same 25/50 injury limits apply to that coverage. For property, it provides $5,000, and you pay a $200 deductible. Insurers are also required to offer underinsured motorist coverage, which steps in when the other driver's limits are too low. Under the District's no-fault setup, PIP (personal injury protection covering your own injuries) is something insurers must offer; buying it remains your choice.

How the DC DMV handles SR-22 filings

In Washington, DC, uninsured motorist coverage counts toward the minimum you must carry, and your SR-22 period starts on the date of your conviction. If you are caught going 30 or more over the speed limit, the District's ISA program can also require an SR-22.

An SR-22 is a certificate your insurance company sends to the District to prove you have liability coverage. As a condition of the Ignition Interlock (IID) Program, DC DMV asks for it following an alcohol- or drug-related driving conviction. For three years the policy continues, and your present insurer can add the filing, as the IID Program FAQ explains.

Per the IID enrollment requirements, you also need the interlock, a $50 fee, and, if your license was revoked, a $115 reinstatement charge. You must also meet the DC Clean Hands rules.

A liability policy in force for you is certified by an insurer, under D.C. Code 50-1301.54. Without a car of your own, nothing needs to be listed, so the filing can sit on a non-owner policy.

How the District's speed program ties to an SR-22

The Intelligent Speed Assistance program in the District of Columbia is aimed at aggravated reckless driving. The ISA Program FAQ also covers going 20 or more over the limit if someone gets hurt, vehicles hit each other, or property damage hits $1,000 or more, beyond the 30-over rule. The device prevents the car from going faster than the posted speed limit. It does not engage the brakes.

One conviction keeps you in the program for a year; with repeat convictions, that grows to two years, then three. You have 30 days to enroll, or the DMV takes away your license. An SR-22 is also required by the ISA enrollment requirements. If you do not own a car, the unit can go in a vehicle another person has registered in the District, with a supplement form.

Prices in Washington, DC by age

Teenagers pay roughly $2,506 each year. Minimum coverage for a car you own runs about $918 a year at age 40, which is roughly $257 above the $661 cost of a non-owner policy.