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What is the state requirement for auto insurance in Washington?
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To comply with the car insurance laws in Washington, you must have at least the following amounts and types of coverage.
Keep in mind you don't necessarily need auto insurance to meet the state's financial responsibility requirements. You can also file a certificate of deposit or surety bond or use self-insurance. Contact the Department of Licensing at (360) 902-3770 for more information on these options.
Most financial gurus say to have much higher coverage limits than what's required in Washington, and to consider adding different types of car insurance (such as uninsured or underinsured motorist).
Of course, more protection means higher premiums. But, you can partially offset these costs by raising your deductibles and comparing your car insurance rates across many providers. It's easiest to shop for rates online; some sites even enable you to evaluate quotes from many providers at once.
Once you've narrowed your choices, you can call the individual insurance companies to receive a personalized quote and learn more about the specifics of their coverages.
WA Auto Insurance Requirements
- Bodily injury liability insurance: $25,000 per person
- Bodily injury liability insurance: $50,000 per accident
- Property damage liability insurance: $10,000 per accident
Keep in mind you don't necessarily need auto insurance to meet the state's financial responsibility requirements. You can also file a certificate of deposit or surety bond or use self-insurance. Contact the Department of Licensing at (360) 902-3770 for more information on these options.
Do You Have Enough Car Insurance?
If you only have the coverage listed above, you might want to reconsider your thinking. While carrying this amount of insurance will allow you to comply with Washington law, it doesn't necessarily offer the type of protection you need if you're in a serious accident.Most financial gurus say to have much higher coverage limits than what's required in Washington, and to consider adding different types of car insurance (such as uninsured or underinsured motorist).
Of course, more protection means higher premiums. But, you can partially offset these costs by raising your deductibles and comparing your car insurance rates across many providers. It's easiest to shop for rates online; some sites even enable you to evaluate quotes from many providers at once.
Once you've narrowed your choices, you can call the individual insurance companies to receive a personalized quote and learn more about the specifics of their coverages.
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