Collectible Auto Insurance Agencies in District of Columbia

District of Columbia at a glance

• 6collectible auto insurance agencies listed
• 58.5%of households rentRenters insurance
• $737,100median home valueHome insurance
• 1958median year homes were builtRebuild cost calculator
• 36%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across District of Columbia

How many of District of Columbia’s 1 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

• Hurricane1 of 1 counties

  Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.

  Home insurance in District of Columbia
• Inland flooding1 of 1 counties

  Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

  Flood insurance in every state
• Hail1 of 1 counties

  Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.

  Home insurance in District of Columbia
• Tornado1 of 1 counties

  Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

  Home insurance in District of Columbia
• Strong wind1 of 1 counties

  Very High in District of Columbia null.

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in District of Columbia
• Earthquake1 of 1 counties

  Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.

  Earthquake insurance in every state

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in District of Columbia

District of Columbia requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $10,000 of property damage liability, often written 25/50/10. It also requires uninsured motorist coverage ($25,000 per person, $50,000 per accident) and uninsured motorist property damage coverage ($5,000).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in District of ColumbiaHow much liability cover do you need?

Source: dmv.dc.gov. Checked 2026-10-24.