Insurance

District of Columbia teens driving on their learner’s permits with a licensed adult supervising them do not need to have their own insurance policies. Once you start driving on your own, however, you will need insurance, so you and your family will want to explore options to keep these costs reasonable.

Planning ahead: How can I help keep teen driver auto insurance costs down?

  • Keep your grades up. Most insurers offer lower auto insurance rates for students with a “B” or higher grade average.
  • Investigate discounts. Many insurers offer discounts for teen drivers who complete driver’s education or defensive driving courses.
  • Don’t get your own car yet. If you won’t be the main driver for any of your family’s vehicles and can be classified as an occasional driver of one car, you could save your family hundreds of dollars in auto insurance.
  • Practice, practice, practice. Now is the time to drive a lot with your parents under different conditions, so you’ll have fewer surprises (and potential crashes) when you’re driving solo.
  • Partner with your parents. Research shows that teen drivers with more involved parents get fewer tickets and engage in less risky driving. Avoiding tickets and crashes will help keep your auto insurance rates down. Completing a parent-teen driving agreement with your parents can help.

Car Insurance Requirements in the District of Columbia

All District of Columbia drivers are required to have auto insurance at the minimum levels of $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $10,000 for property damage (25/50/10). Insurance companies in the District of Columbia determine rates based on factors such as your driving record, how long you’ve been a licensed driver, how much you drive, where you live and what you drive.

Check into car insurance available through AAA.

  • AAA StartSmart – A series of newsletters that address the challenges teens face when learning to drive.