Washington Vehicle Policy
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FAQ
Compulsory insurance is insurance that must be legally owned to do an activity, such as auto insurance and driving a car. Other types of compulsory insurance include workers' compensation and professional liability insurance.
In regards to auto insurance, a Washington-licensed driver must have the following as bare minimum coverage: $25,000 of bodily injury or death of 1 person in any single accident. $50,000 of bodily injury or death of 2 people in any single accident. $10,000 of property damage coverage in any single accident.
Car insurance usually follows the car in Washington. The types of car insurance that follow the car in Washington are bodily injury liability, personal injury liability, collision, and comprehensive. You're required to carry bodily injury liability and property damage liability in Washington.
Washington state auto insurance laws require all drivers to carry a minimum of bodily injury protection. This protects you from any injuries or damages you cause to other drivers. Depending on your needs, you may consider buying additional insurance.
Uninsured Motorist Coverage Not Required in Washington While uninsured motorist (UM) coverage is not required in Washington, it can protect you and your passengers if the at-fault driver has no insurance, or if you're the victim of a hit and run.
On July 28, 2019, a Washington state law passed requiring all motorcycle drivers carry liability coverage and proof they have insurance. They are no longer exempt from our state's mandatory auto insurance law (leg.wa.gov).
The state requires drivers to have the following:$25000 bodily liability coverage per person.$50000 bodily injury coverage per accident.$10000 property damage liability per accident.$10000 underinsured property damage.$10000 basic personal injury protection (PIP)
Car insurance is required in almost all states. Known as a mandatory minimum, drivers must purchase and maintain a certain level of car insurance from an insurance company in case of an accident or injury to another person or property. If you fail to maintain coverage, you could be in violation of the law.
Important information about motorcycles. On July 28, 2019, a Washington state law passed requiring all motorcycle drivers carry liability coverage and proof they have insurance.
There are only two states where car insurance is not mandatory: Virginia and New Hampshire. This is because each state sets its own limits and requirements for the minimums of car insurance a driver must carry when they have coverage.
