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What Car Insurance Coverages Are Required?

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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How to compare car insurance quotes

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.

Washington Accident News

 

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Affordable auto insurance on and off the road

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 & Policies

Ask us about all the different ways we can help protect your car.

Discounts

Learn how you can save on car insurance by asking for discounts.

Claims

Get helpful information about filing an auto claim from your insurance agent.

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Best Car Insurance Washington State

Best Car Insurance Washington State


Personalize your car insurance with the coverages you want.

Yes, state law sets the minimum amount of auto insurance coverages but you may want more. We can help you find the coverages you want at a price you can afford. We try to make it easy for you to customize your car insurance.

Required auto insurance coverages.
These pay for damages or injuries to other people and/or their property caused by an accident you're found at fault for.

Washington state only requires:

  • Bodily injury liability
  • Property damage liability

The amount of protection for these coverages can be increased above state minimums. You may want to consider the kind of cars you typically see around town. If you're in an area where people drive expensive cars, do you have enough coverage to fix or replace one (or more) of them if you cause an accident?

Additional car insurance coverages.
Although not required by the state, these coverages provide you with an extra layer of protection. These coverages normally take care of damages and/or injuries to you:

  • Uninsured motorist
  • Personal Injury Protection medical
  • Collision
  • Comprehensive

Would you be able to pay to repair or replace your vehicle if it's damaged from an accident? If someone in your car was hurt in an accident, do you want your car insurance to help pay the medical bills?

Extra car insurance coverages
These cover expenses that may not break the bank if you had to pay them out of pocket but are nice to have.

  • Emergency roadside assistance
  • Rental Car Reimbursement

If your car is in the shop for 3 weeks after a covered accident, would you need a rental car? At $40 or $50 a day that expense can add up fast.

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Other Auto Insurance Coverages to Consider

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.

  • Accident forgiveness keeps your car insurance rates from going up after an accident..
  • Gap insurance is designed to protect you if you owe more on your car than it is worth
    • If your car is totaled, the normal insurance payout for the vehicle could be much less than your balance. Gap insurance pays the difference.
  • New car replacement will pay to replace your car with a similar new car, rather than compensating you only for the depreciated value of your car. New car replacement coverage rules can vary among insurers for what qualifies as a “new” car so check the details.
  • Usage-based insurance has the potential to reduce your car insurance bill if you’re a good driver. This typically means you don't regularly hard brake, accelerate rapidly, drive in the wee hours of the morning, and other factors. Usage-based insurance programs use either an app on your phone or a device that plugs into your car to track your driving habits.
  • Vanishing deductibles reduce your deductible every time your policy renews. Normally, if you have a claim, your insurance check will be reduced by your chosen deductible. With a vanishing deductible your out of pocket deductible is reduced by as such as $100 every year you don’t make a claim.

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Cheap Car Insurance In Washington

Cheap Car Insurance In Washington


Why Do People Shop for New 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:

  • Bad experience with a car insurance claim
  • Rate Increase
  • Current company doesn’t offer coverages wanted

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What is the best car insurance in Washington?

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.

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Frequently Asked Questions

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:

  • Purchasing a car – the company that had the best rate for your old car may not be best with the new one.
  • Adding or removing a driver from a policy – either could raise or lower your rate depending on their age and driving record.
  • Marriage or divorce – Major life change.
  • Moving – every zip code has a different rate and every company has different factors for those zip codes.
  • Adding a teen driver – They are 3x as likely to have an accident, so count yourself lucky if your rate only doubles.
  • Buying a house – You may be in a different rating zip code and may now qualify for the homeowners discount and a home insurance bundling discount.
  • DUI or major violation – If your current company finds out, you will be seeing a rate hike at your next renewal.
  • Accident – You probably will lose your Safe Driver Discount even if the accident was not-at-fault.
  • Three Years Driving History – Once your tickets are more than 3-years old they will no longer count. Your current company will have to wait till your renewal to lower your insurance rates.
  • Change in credit score – if your credit history gets significantly better ask your agent if they can have your credit score re-ordered.

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.

  • Liability coverage. Protects you if you cause damage to others and/or their stuff.
  • Physical Damage Coverage. Comprehensive & Collision cover damage to your car.
  • Uninsured Motorist. Covers you, your passengers, and your car in the event another party is at fault and they don't have sufficient (or any) insurance.
  • Personal Injury Protection. Covers your and your passengers medical bills caused by a covered accident no matter who was at fault.