Washington, DC SR-22 and car insurance quotes
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No car? Many drivers file their SR-22 with a non-owner policy. Ask the agent about a non-owner SR-22. Non-owner car insurance →Yes, RealAgentQuotes covers ALL of Washington, DC
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How SR-22 works in Washington, DC
An SR-22 isn't a type of insurance. It's a certificate your insurance company files with the DC Department of Motor Vehicles (DC DMV) as proof of financial responsibility, showing you carry at least the District's minimum coverage. DC usually requires one after a conviction for DUI or impaired driving, leaving the scene of a crash, aggravated reckless driving or a felony involving a vehicle, and the DMV can also ask for one before it reinstates a revoked license. The DMV says to keep it for 3 years from the date of conviction.
- Your insurance company or agent files the SR-22 with the DC DMV for you
- Keep the policy active the whole time. Insurers report cancelled policies to the DC DMV, and without proof on file your license and registration can be suspended again
- A licensed agent can quote it today and explain your options
Washington, DC minimum car insurance
DC requires at least $25,000 for injuries per person, $50,000 per accident and $10,000 for property damage, plus uninsured motorist coverage of $25,000 per person and $50,000 per accident for injuries and $5,000 for property damage (with a $200 deductible). A 2026 law raises both sets of limits to $50,000, $100,000 and $20,000 starting October 1, 2027. Your SR-22 policy has to meet at least the limits in effect.
No car? Non-owner SR-22 in Washington, DC
If you don't own a car, DC law accepts an SR-22 on a policy issued to a driver who doesn't own a vehicle (a non-owner policy), which covers your liability when you drive a car you don't own. Ask the agent whether it fits your situation.
Learn about non-owner car insurance →SR-22 and car insurance across Washington, DC
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Washington, DC SR-22 questions
Who needs an SR-22 in Washington, DC?
The DC DMV usually requires one after a conviction for DUI or impaired driving, leaving the scene of a crash, aggravated reckless driving, a homicide involving a vehicle or a felony involving a vehicle, in DC or another state. It can also require one before it reinstates a revoked license, and drivers enrolling in the DMV's ignition interlock program need one. If you aren't sure, ask the DC DMV or a licensed agent.
How long do I need an SR-22 in Washington, DC?
The DC DMV says to keep it for 3 years from the date of conviction. The requirement doesn't end on its own: after the 3 years, you ask the DMV to cancel it.
What happens if my SR-22 lapses in Washington, DC?
Insurers report cancelled policies to the DC DMV, and DC law requires you to keep proof on file to keep your license and registration. If it lapses, they can be suspended again. Line up a new SR-22 before you switch companies.
Can I get an SR-22 in Washington, DC without a car?
Yes. DC law accepts an SR-22 on a policy issued to a driver who doesn't own a vehicle (a non-owner policy). A licensed agent can quote one.
Sources: DC DMV: license reinstatement and SR-22 · DC Code 31-2406: minimum limits
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