Washington car insurance: requirements & free quotes
Washington is an at-fault state with a 25/50/10 minimum. Insurers must offer personal injury protection and underinsured motorist coverage, and Seattle-area congestion contrasts with mountain passes and rural roads.
Minimum coverage in Washington
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$10,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $10,000 per accident
Shown as 25/50/10. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Washington
- PIP must be offered and is included unless you reject it in writing.
- Underinsured motorist coverage is offered and protects you from drivers with low limits.
- The property damage minimum is low, so consider higher liability limits.
- Ask about discounts for low mileage and bundled policies.
We connect drivers across Washington
Including Seattle, Spokane, Tacoma, Vancouver and Bellevue — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Washington car insurance FAQ
No. Washington is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.