DC · Split BI/PD limits
District of Columbia minimum auto liability
Last verified · educational only—confirm with DOI
Direct answer
25/50/10 + UM BI 25/50 and UM PD $5k (confirm)
Notation is educational (often BI per person / BI per accident / PD, or a PIP package summary). Exact wording and required extras vary—confirm before you buy.
What this means
District of Columbia DMV consumer materials currently describe minimum liability as $25,000 bodily injury per person / $50,000 per accident and $10,000 property damage (25/50/10), plus uninsured motorist BI 25/50 and uninsured motorist property damage $5,000 (subject to a deductible). Confirm live requirements on dmv.dc.gov before you buy—future law changes have been discussed for later effective dates.
Extra notes for this state
Optional PIP and underinsured motorist offerings may appear separately—read the declarations page, not only the registration minimum table.
Minimum ≠ enough
State minimums set a legal floor. Serious injuries and modern vehicle values often exceed those floors. Use our liability waterfall and auto coverage planner to think through limits educationally, and read why state minimums often aren’t enough.
Watch for future increases
Local reporting has described higher DC floors scheduled for a later effective date. Until that date applies to your policy, verify the current DMV table and your declarations page.
Verify with the source
Cross-check current requirements with the official regulator: DC DMV — Vehicle Insurance. PolicyPlain does not publish bindable legal advice.
Primary state source: DC DMV — Vehicle Insurance. Also see NAIC consumer resources and Insurance Information Institute.
FAQ
What is the commonly cited minimum auto liability in District of Columbia?
District of Columbia is commonly described with educational notation 25/50/10 + UM BI 25/50 and UM PD $5k (confirm). Exact statutory wording and required extras change—confirm on the DC DMV — Vehicle Insurance site before you buy.
Are state minimums enough coverage?
Usually not for serious injuries or modern vehicle values. State minimums set a legal floor. Serious losses often exceed that floor—higher liability limits and umbrella readiness are separate educational conversations.
How do I verify District of Columbia requirements?
Use the official regulator: DC DMV — Vehicle Insurance (https://dmv.dc.gov/service/vehicle-insurance). PolicyPlain pages are educational orientation only—not legal advice or a bindable quote.
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