Washington state only requires Liability insurance. Car liability insurance pays for injuries and property damage you cause to others. A good rule of thumb is to buy enough liability insurance to cover what can be taken from you in a lawsuit.
Uninsured Motorist coverage (UM) is mandatory in some states but optional in Washington. Uninsured motorist insurance pays for you and your passengers’ medical bills and other expenses if someone crashes into you and they don’t have enough (or any) liability insurance.
Personal Injury Protection (PIP) is also equired in some states but not in Washington. This coverage will cover injury claims for you and your passengers up to the limits you chose.
Collision and Comprehensive insurance is usually required by the bank if you have a car loan or lease. They are two separate coverage types often sold together. Collision and comprehensive insurance pay for your vehicle repair bills due to problems such as car accidents, car theft, fires, floods, severe weather, falling objects, vandalism and collisions with animals.
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Required auto insurance coverages.
Liability Insurance pays for damages or injuries to other people and/or their property caused by an accident you're found at fault for.
Additional car insurance coverages.
Although Uninsured Motorist and Personal Injury Protection may not be required, they can provide you with an extra layer of protection. These coverages take care of damages to your car and/or injuries to you and your passengers.
We can help you pick what coverages you want.
We get it. Car insurance isn't the easiest thing to deal with. We're here to help answer any questions you may have.
The best car insurance is the one that has the coverage you want at a price you can afford. Some drivers might want the most basic Washington car insurance, others might want more coverage, and still others might be looking for an auto insurance company they know they can trust. Let us help you customize your Washington car insurance.
Shopping around for car insurance can result in savings, but many car owners rarely get price quotes from other insurance companies.
The three reasons people shop around:
An insurance policy is more than just car insurance. It's personalized help from agents who help keep you driving forward. Get a car insurance quote and begin saving on your insurance needs.
Coverage & PoliciesAsk us about all the different ways we can help protect your car.
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ClaimsGet helpful information about filing an auto claim from your insurance agent.
We are here to advise you on important coverage decisions, answer any questions, and help simplify your experience.
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Sometimes getting the best car insurance means adding extra coverage in order to get more protection or guard against unexpected out-of-pocket expenses.
Here are some other auto insurance types to consider.
If you get caught driving without proof of insurance, regardless of the reason you are pulled over, will cost you up to $550 in fines and penalties.
You receive a proof of insurance card from your insurance company either on paper or electronically when you start your car insurance and at every renewal. If you are stopped by the police, you are required to show this proof of insurance card to the officer.
Worse still, if you are involved in an at-fault accident and do not have insurance, you could have your license suspended for up to 3 years, be required to file an SR22 to get your license reinstated, pay for the damages and injuries you caused, and pay the traffic fines.
Appealing your no insurance fine. If you did have insurance in force at the time you got the ticket, you may be able to get the fine reduced to court costs. If you purchased insurance after you got the ticket, most judges are lenient and will reduce the fine substantially.
Washington is not a no-fault insurance state. Washington state is a pure comparative negligence state, meaning that all parties involved in a car accident may share some responsibility when determining compensation for damages. Comparative negligence may allow both the claimant and the plaintiff to recover compensation for damages even if they are partially at fault for the accident.
Washington state requires all drivers all drivers to carry a minimum amount liability insurance to legally drive in the state. You are required by the Financial Liability Law to be able to show proof of financial responsibility if you are driving a vehicle. The easiest way to satisfy these requirements is to purchase auto insurance.
The minimum car insurance required in Washington state is as follows:
Personal Injury Protection and Uninsured Motorist coverages must be offered by the insurance company but the law allows you to reject them by signing a rejection form. Not only must you have insurance, the law requires that any time you are driving in the state, you must be able to show your proof of auto insurance to law enforcement. Failure to show proof of coverage when requested by a police officer is considered an infraction and can result in fines of up to $450.