Washington Auto Insurance Rates & Requirements
Washington requires 25/50/10 liability coverage and is an at-fault state.
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Washington at a Glance
25/50/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Washington operates as a traditional tort state where the at-fault driver is financially responsible for damages. The state requires all drivers to carry proof of insurance and may suspend vehicle registration for non-compliance.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection (PIP)
Cost Overview
about $96/mo
Average car insurance spending in Washington
Rate data: NAIC Auto Insurance Database, 2023
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Compare Rates and Get CoveredFrequently Asked Questions
Is Washington a no-fault state for car insurance?
No, Washington is a traditional tort state where the at-fault driver is legally responsible for damages. Injured parties can file claims against the at-fault driver's liability insurance and sue for additional damages if injuries exceed policy limits. This system differs from no-fault states that require personal injury protection and restrict lawsuits.
Coverage Types
Liability Insurance
The foundation of Washington's mandatory coverage, paying for injuries and property damage you cause to others. State minimums of 25/50/25 are often inadequate for serious accidents, leaving your assets vulnerable to lawsuits.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both your legal obligation to others and your own vehicle against accidents, theft, weather, and vandalism. Industry shorthand for complete protection, not a distinct policy type.
Comprehensive Coverage
Covers non-collision damage to your vehicle: theft, vandalism, hail, flood, fire, and animal strikes. Pays the actual cash value of your vehicle minus your deductible when a covered event occurs.
Collision Coverage
Pays to repair or replace your vehicle after an accident with another car or object, regardless of fault. Works with a deductible you choose, typically $500–$1,000.
Uninsured/Underinsured Motorist Coverage
Protects you when an at-fault driver lacks insurance or carries insufficient limits to cover your medical bills, lost income, and vehicle damage. Steps in as if the other driver had proper coverage.
SR-22 Insurance
Not a coverage type but a certificate of financial responsibility that your insurer files with the state after certain violations. Required for DUI, reckless driving, or driving without insurance convictions.