Washington Auto Insurance Requirements

In order to operate a motor vehicle in the state of Washington, drivers are required to maintain minimum amounts of liability coverage, as outlined in the table below.

As a “Tort” state, Washington state drivers are financially responsible for any property damage and bodily injury they cause in an accident. It is recommended that drivers purchase higher limits of coverage to protect their assets, in case policy limits are not adequate enough to cover expenses.

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If you wish to increase your insurance protection, you may purchase one or more policy add-ons, such as collision, comprehensive, Personal Injury Protection (PIP), or uninsured and underinsured motorist coverage.

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Auto Insurance for Leased Vehicles in Washington (WA)

Most leasing companies in Washington typically require drivers to maintain insurance coverage which exceeds the minimums set by Washington state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

• Bodily injury liability coverage: $100,000 per person/$300,000 per accident
• Property damage liability coverage: $50,000
• Comprehensive and collision coverage: $500 maximum deductible

Read about special auto insurance considerations for drivers in:

• Seattle
• Spokane
• Tacoma

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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: August 19, 2010