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.
Personalize your car insurance with the coverages you need.
We make it easy to customize your car insurance to fit your needs.
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.
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:
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.
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.
DiscountsLearn how you can save on car insurance by asking for discounts.
ClaimsGet helpful information about filing an auto claim from your insurance agent.
To accurately compare auto quotes across insurers, you'll want to select the same set of coverages, limits and deductibles for each quote.
Choose your coverage
Consider your state's requirements and any specific coverage types you might want, like collision or comprehensive.
Consider your limits
Think about your personal needs as well as state laws when choosing your coverage limits.
Select your deductible
Coverage can come with a deductible, or the amount you'll pay toward a claim.
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.
When you cross major life events you should reassess your car insurance coverages and check if you qualify for better discounts. Here are some times when your rates are likely to change:
You do not need car insurance to get your Washington driver’s license but when you take the test drive for your driver’s license, you must show the driving instructor proof that the car you are going to use to is insured. So, if the car belongs to someone else, you can just show their insurance to the instructor. Just be sure, for your safety and the car owners, that their policy will cover you as a driver.