Washington D.C. insurance laws
Insurance regulations, rate filing requirements, department info, and recent bulletins for Washington D.C.. Updated Sep 29, 2026.
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Washington D.C. DOI Website · Oct 8, 2026
Washington D.C. DOI page content changed
Washington D.C. DOI Website · Apr 7, 2026
Department of Insurance
The District of Columbia operates under a rigorous insurance regulatory framework designed to protect consumers and ensure fair practices in the insurance market. The Department of Insurance, Securities & Banking (DISB) oversees licensing, rate approvals, and compliance with insurance laws.
Auto Insurance
Notable Laws
- D.C. Code § 31-2406 - Mandatory UM coverage equal to or greater than minimum liability limits ($25,000/$50,000 BI, $5,000 PD with $200 deductible)
- D.C. Code § 31-2404 - Optional PIP insurance with minimum packages of $50,000 medical and $12,000 wage loss
- D.C. Code § 31-2409 - Consumer protection provisions prohibiting unfair cancellation practices
- D.C. Code § 31-2403.01 - Mandatory disclosure of policy limits prior to filing suit
- D.C. Code § 31-2411 - Three-year statute of limitations for PIP claims from date of last payment
- D.C. Code § 31-2401 - Motor Vehicle Insurance Requirements
- D.C. Code § 31-2402 - Uninsured Motorist Coverage
- D.C. Code § 31-2403 - Underinsured Motorist Coverage
- D.C. Code § 31-2404 - Personal Injury Protection
- D.C. Code § 31-2405 - Financial Responsibility
Homeowners Insurance
Notable Laws
- D.C. Code § 31-2409 - Consumer protection provisions governing policy cancellation and nonrenewal with required notice periods
- D.C. Municipal Regulations § 26-A5000 - Permissible reasons for non-renewal; limits refusal to renew based on claim frequency to 2+ claims
- D.C. Law 25-123 - Motor Vehicle and Homeowner Insurance Prior Approval Rate Filing Act (effective Feb 15, 2024) changing rate system from file-and-use to prior approval
- D.C. Law 24-194 - Credit for Reinsurance Amendment Act of 2022 establishing reinsurance credit standards
- DISB Bulletin 24-IB-003-05/31 - Clarification of unfair trade practices for homeowners insurance including prohibition on labor depreciation in certain circumstances
- D.C. Code § 31-2501 - Homeowners Insurance Requirements
- D.C. Code § 31-2502 - Fair Plan Coverage
- D.C. Code § 31-2503 - Cancellation and Nonrenewal
- D.C. Code § 31-2504 - Credit Scoring Regulations
- D.C. Code § 31-2505 - Flood Insurance Requirements
Recent Bulletins
Updated Notification Regarding Coverage Requirement and Issuer Accommodation Notification
This bulletin provides updated information regarding coverage requirements and issuer accommodations.
View bulletinGuidance to Insurers on Immunization Coverage
Guidance for insurers on the coverage of immunizations.
View bulletinConversion to OPTins for Surplus Lines Premium Tax Filing System
Information on the transition to the OPTins system for surplus lines premium tax filings.
View bulletinDepreciation of Labor in Property Insurance Policies
Guidance on the treatment of labor depreciation in property insurance policies.
View bulletinClarification of Unfair Trade Practices Regulations for Homeowners Insurance
Clarification on regulations regarding unfair trade practices in homeowners insurance.
View bulletinRecent Law Changes
Insurance Regulation Amendment Act of 2024
Prohibits medical malpractice and professional liability insurers from taking adverse actions against healthcare providers for providing reproductive health care or gender-affirming care; requires health plans to cover abortion services and voluntary sterilization (including vasectomy and up to two reversals) without deductibles, copayments, or cost-sharing
Health insurers and medical malpractice carriers must expand coverage and eliminate discriminatory practices affecting reproductive healthcare providers
Effective: 2025-03-21
Motor Vehicle and Homeowner Insurance Prior Approval Rate Filing Amendment Act of 2023
Changes rate filing standard from file-and-use to prior approval with 90-day review period for private passenger auto and homeowner insurance; authorizes Commissioner to determine if rates are excessive or unfairly discriminatory; requires insurers to provide policyholders 45-90 days notice of rate increases before renewal
Auto and homeowners insurers must obtain prior approval for rate changes, increasing regulatory oversight and consumer notification requirements
Effective: 2024-02-15
Life and Health Insurance Guaranty Association Amendment Act of 2023
Adds health maintenance organizations as member insurers; makes life insurers subject to assessments for long-term care insurance; modifies Board size; authorizes Association to file for actuarially justified rate increases; repeals HMO Act insolvency provision
Expands guaranty association protections to HMO policyholders and strengthens consumer safety net for insolvent insurers
Effective: 2024-02-15
Medically Necessary Foods Coverage Act of 2022
Requires health insurers to provide coverage for medically necessary foods including low-protein modified food products and nutritional formulas when ordered by provider for inflammatory bowel disease, GERD, food allergies, inherited metabolic disorders, and other specified conditions; coverage must not be more restrictive than for other illnesses
Health insurers must cover medically necessary specialized foods and formulas, expanding benefits for patients with specific medical conditions
Effective: 2022-09-21
Credit for Reinsurance Amendment Act of 2022
Amends Law on Credit for Reinsurance Act of 1993 to allow insurers to receive credit for reinsurance ceded to assuming insurers meeting requirements for jurisdiction, capital, and surplus; grants Commissioner rulemaking authority to implement new standards
Insurers gain flexibility in reinsurance arrangements while maintaining financial solvency standards through updated credit requirements
Effective: 2022-12-13
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