If you are on your way to hike in the Olympic National Park, see the Space Needle in Seattle, or enjoy the beauty of the San Juan Islands, make sure you are driving with valid car insurance. Driving without Washington car insurance is illegal in The Evergreen State and comes with penalties if you are caught driving without car insurance.
Washington Auto Insurance Requirements
To comply with Washington’s mandatory auto insurance law, you must carry liability insurance to help pay for property damage or injuries resulting from a car accident that you cause.
Your Washington auto insurance coverage must have these minimums:
$25,000 for one person’s injuries or one death.
$50,000 total for two or more people’s injuries or death per accident
$10,000 for property damage.
Optional Car insurance Washington state
Washington car insurance laws require that all drivers have liability car insurance. But there is additional coverage that you should consider adding to your policy to make sure you are fully protected.
Helps cover accident-related damages to your car.
Helps cover non-collision damage to your car, such as vandalism.
Helps pay for your injuries or property damage if you are in a car accident caused by an uninsured driver or a driver whose insurance policy is not sufficient to cover all of the costs.
Personal injury protection (PIP):
Helps pay for medical expenses and loss of income.
While you are not required to carry PIP in Washington state, car insurance companies are required to offer it to you. If you decide to reject it, you must do so in writing.
Penalties for Driving Without Insurance in Washington State
Driving without car insurance in Washington state is illegal. If you are caught driving with no insurance, you can be fined up to $450, possibly convicted of a misdemeanor, and your driving privileges may be suspended.
If you are in a car accident with no insurance, you’ll be responsible for paying for the collision damage. If the accident results in more than $1,000 worth of property damage, or any personal injuries, your driver’s license could be suspended. The suspension could last up to three years, and it takes $75 to reinstate it.
Car Insurance Washington State
Freeway Insurance takes pride in offering affordable car insurance Washington state residents have relied on for over 30 years. We provide quality car insurance for all drivers, including those who have been convicted of DUI or have multiple tickets. If you need an SR-22, we can help with our affordable high-risk car insurance.
We can offer the best car insurance Washington state has to offer by comparing rates from top insurance companies for you. If you are searching for quality auto insurance Seattle residents can depend on, we can help you too.