Washington Car Insurance Requirements
Numbers refreshed
Washington drivers must carry this minimum coverage, which pays for the following.
- $70.Average monthly cost for liability.
- 25/50/10.The required minimum for liability.
- The most expensive state ranking places this one at 20th of 51 (1st = highest).
Washington requirements
| Cover | Minimum |
|---|---|
| Bodily injury, per person | $25,000 |
| Bodily injury, per crash | $50,000 |
| Property damage, per crash | $10,000 |
| Personal injury protection | Not required |
| Uninsured motorist | Not required |
| Underinsured motorist | Not required |
| Fault system | At-fault |
Source: Washington DOL, Mandatory Insurance; Automobile Financial Responsibility Limits by State, rev. 7/2024 (Insurance Information Institute table archive 21211, APCIA data; PDF copy hosted by riskeducation.org).
What the coverage amounts cover
In Washington, drivers must carry liability coverage of at least 25/50/10. Each person hurt in one crash may receive up to $25,000, while everyone hurt may receive up to $50,000. Property damage to others is covered up to $10,000.
The cost of medical care and a newer car often goes above these limits. Claims can be made against you for anything above these limits, so many drivers choose 100/300/100 instead. The average cost of a liability policy in Washington is $834 per year.
Driving without insurance
If you drive uninsured in Washington, it can cost you your license and registration. Restoring them may require you to submit proof of insurance for several years.
Contact the Washington State Department of Licensing (DOL) if you have questions.
Additional details about car insurance in Washington
First written