Car insurance in Washington comes with specific requirements and rate factors that every driver should understand. This guide covers minimum coverage, average costs, the cheapest insurers, and how to save.
Washington Minimum Car Insurance Requirements
Washington requires all drivers to carry 25/50/10 liability coverage:
| Coverage Type | Minimum Limit | What It Covers |
|---|---|---|
| Bodily Injury Liability | \,000 per person / \,000 per accident | Medical expenses for others you injure |
| Property Damage Liability | \,000 per accident | Damage you cause to others' property |
Is Washington a No-Fault State?
No. Washington is an at-fault (tort) state.
Average Car Insurance Costs in Washington
| Coverage Type | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Liability Only | \–\ | Approx. \–\/month |
| Full Coverage | \,250–\,600 | Approx. \–\/month |
Washington's average full coverage rate is about 8–12% below the national average (,674).
Cheapest Car Insurance Companies in Washington
- GEICO
- State Farm
- Progressive
- USAA (military)
Washington Insurance Laws You Should Know
Washington is an at-fault state. UM/UIM coverage is required at 25/50 minimum. The state has relatively high uninsured driver rates (about 17%), making UM coverage essential. Washington does not allow credit-based insurance scores.
Discounts Available to Washington Drivers
- Multi-policy
- good driver
- good student
- anti-theft
- low mileage
- defensive driving
Frequently Asked Questions
What are the minimum car insurance requirements in Washington?
25/50/10 minimum liability coverage plus 25/50 UM/UIM required.
Is Washington a no-fault state?
No. Washington is an at-fault state.
How much is car insurance in Washington?
Average full coverage in Washington is \,250–\,600 per year, about 8–12% below the national average.