If you are planning a visit to the capital region, especially an extended one, and you will be driving a vehicle, you will also need to purchase Washington D.C. auto insurance coverage. All drivers in the District must have insurance coverage in place to stay legal. As a visitor, you do have some choices about your coverage:
Rental Car Insurance
Car rental agencies offer insurance coverage to all their customers. If your visit is going to be a relatively short one and you are planning to rent a vehicle for the duration of your stay, this may be the right choice for you.
Being Added to a Friend or Family Member’s Policy
If you will be staying with a friend or family member and you will be using his or her vehicle, your host can arrange to have your name added to his or her car insurance policy. Keep in mind that your host will be lending you his or her insurance as well as the vehicle. If you are involved in an accident, your friend’s Washington D.C. auto insurance company is responsible for paying for claims arising from an at-fault accident.
Buying a Temporary Policy
The advantage to buying a temporary auto insurance policy is that if you become involved in an accident, your insurance will pay out for damages you cause. Your rates for future policies will be affected, not your friend or family member as they would be if you were added to an existing policy. Be sure to shop around for the best rates if you choose this option.