Auto Insurance Washington: Everything You Need to Know

Auto insurance in Washington is a legal requirement for all drivers. If you want to drive in the state, you must have auto insurance that meets the minimum requirements. In this article, we will discuss everything you need to know about auto insurance in Washington.

Minimum Auto Insurance Requirements in Washington

Washington state law requires all drivers to carry a minimum amount of liability insurance. The minimum coverage requirements for auto insurance in Washington are:

Required Coverage Type
Minimum Coverage Amount
Bodily Injury Liability
$25,000 per person, $50,000 per accident
Property Damage Liability
$10,000 per accident
Personal Injury Protection (PIP)
$10,000 per person, per accident
Uninsured Motorist Bodily Injury
$25,000 per person, $50,000 per accident

If you are ever involved in a car accident in Washington, your insurance company will be responsible for covering the damages if you are found to be at fault.

Bodily Injury Liability

Bodily injury liability insurance covers the medical expenses of anyone injured in an accident you caused. The minimum requirement for this coverage is $25,000 per person and $50,000 per accident.

For example, if you were to cause an accident that injured three people, and all three required medical care that totaled $40,000, your insurance would cover $25,000 per person, or a total of $75,000 for the accident.

It’s important to note that if the medical expenses exceed your coverage limits, you could be held financially responsible for the additional costs.

Property Damage Liability

Property damage liability insurance covers the cost of any property that you damage in an accident you caused. The minimum requirement for this coverage is $10,000 per accident.

For example, if you were to cause an accident that resulted in $15,000 in property damage, your insurance would cover $10,000 of the damage, and you would be responsible for the remaining $5,000.

Personal Injury Protection (PIP)

Personal injury protection (PIP) is also known as “no-fault” insurance. This coverage pays for medical expenses and lost wages for you and your passengers, regardless of who caused the accident.

The minimum requirement for PIP in Washington is $10,000 per person, per accident. This coverage is optional, but it’s recommended that you carry it to protect yourself and your passengers in the event of an accident.

Uninsured Motorist Bodily Injury

Uninsured motorist bodily injury insurance covers your medical expenses if you are involved in an accident with someone who doesn’t have insurance. The minimum requirement for this coverage is $25,000 per person and $50,000 per accident.

If you are hit by an uninsured driver and you don’t have uninsured motorist bodily injury coverage, you could be responsible for paying your medical expenses out-of-pocket.

Factors That Affect Auto Insurance Rates in Washington

Auto insurance rates in Washington can vary widely from one driver to the next. The following factors can affect your auto insurance rates:

Driving Record

Your driving record is one of the most significant factors that affects your auto insurance rates. If you have a history of accidents or traffic violations, you will likely pay more for auto insurance than someone with a clean driving record.

Age and Gender

Younger drivers and male drivers tend to pay higher auto insurance rates than female drivers and older drivers. This is because younger and male drivers statistically have a higher risk of being involved in accidents.


Where you live in Washington can also affect your auto insurance rates. Insurance companies consider factors like crime rates, population density, and weather conditions when determining rates.

Type of Vehicle

The type of vehicle you drive can also affect your auto insurance rates. Vehicles with high safety ratings and low repair costs typically have lower insurance rates than vehicles with poor safety records or high repair costs.

Credit Score

Most insurance companies use your credit score to help determine your auto insurance rates. Drivers with higher credit scores are generally considered to be more responsible and therefore pose less risk to the insurance company.


What happens if I get into an accident without insurance in Washington?

If you are involved in an accident without insurance in Washington, you could face fines, license suspension, and even legal action. You would also be responsible for paying for any damages or injuries caused in the accident out-of-pocket.

Can I get auto insurance if I have a poor driving record?

Yes, you can still get auto insurance if you have a poor driving record, but your rates will likely be higher than someone with a clean driving record.

Do I need to carry PIP if I have health insurance?

If you have health insurance, you are not required to carry PIP coverage. However, it is recommended that you carry PIP to help cover additional medical expenses and lost wages that your health insurance may not cover.

How can I lower my auto insurance rates in Washington?

There are several ways to lower your auto insurance rates in Washington, such as: maintaining a clean driving record, choosing a vehicle with a high safety rating, and bundling your auto insurance with other insurance policies, such as home or life insurance.

How often should I review my auto insurance policy?

You should review your auto insurance policy every year to make sure you have the appropriate coverage and to compare rates with other insurance companies.


Auto insurance is necessary for all drivers in Washington. By understanding the minimum coverage requirements and factors that affect your insurance rates, you can ensure that you have the appropriate coverage and are getting the best possible rates. Reviewing your policy annually will help keep you and your vehicle protected on the road.