Washington’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for Washington:

Is it mandatory to have car insurance in Washington?


What are the minimum limits for Washington?

$25,000 bodily injury per person
$50,000 bodily injury per accident
$10,000 property damage per accident



What is the maximum bodily injury liability and property damage limit in Washington?

This can vary by company, however commonly:

$250,000 bodily injury per person
$500,000 bodily injury per accident
$100,000 property damage per accident



What liability coverages are required to be offered in Washington? Can a customer reject them?

Bodily Injury and Property Damage must be offered and can’t be rejected. Underinsured Motorist Bodily Injury, Underinsured Motorist Property Damage, and Personal Injury Protection must be offered, but they can be rejected with a signature.

How far back does Washington go to look at violation history?

3 to 5 years depending on the carrier.

What additional policy types are offered in Washington?

Broad Form,  Named Non-Owner, and Limited Liability.

Is an insurance score used in my rating in Washington? If so, is it mandatory?

It’s not mandatory to have a credit scored product, however, most carriers do use insurance scoring as a factor in rating.

What policy terms are available in Washington?

6 and 12 months depending on carrier.

What is the minimum down payment option in Washington?

Typically 1 month, can vary by risk

Are SR22s used in Washington?  If so, is there a fee assessed? Is it filed electronically?

SR22s are available, filed electronically, charges vary by carrier.

What discounts are available in Washington?

  • Homeowner
  • Defensive driver course
  • Multi-car
  • Paid in full
  • Multi-Policy
  • EFT
  • Good Student
  • Resident Student
  • Safe Driver
  • Telematics
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