Washington Auto Insurance Requirements | EagleWay Auto Insurance
Whether you live along Lake Washington or explore the Cascades, affordable auto insurance coverage can protect you on every journey. Take a few minutes to learn about cheap car insurance in Washington, including which coverages are mandatory and which are optional. Then get a free quote to see how much you can save with EagleWay.
Do you have to have car insurance in Washington?
Washington law requires all drivers to provide proof of financial responsibility for any registered vehicle. Policies must meet the state’s minimum liability coverage limits, usually expressed as three numbers representing thousands of dollars (e.g., 25/50/10).
Washington Minimum Car Insurance Requirements
Here’s a breakdown of required and optional coverages:
| Coverage | Required by Law? | Details |
|---|---|---|
| Bodily Injury Liability | Yes | $25,000 per person / $50,000 per accident — covers medical expenses and legal costs if you injure another person. |
| Property Damage Liability | Yes | $10,000 per accident — covers damage to another vehicle or property you cause. |
| Uninsured/Underinsured Motorist (UM/UIM) | No | Covers your expenses if the other driver lacks sufficient insurance or is a hit-and-run. |
| Personal Injury Protection (PIP) | No | Covers medical expenses and related costs regardless of fault. |
| Collision | No1 | Repairs or replaces your vehicle if it collides with another car or object. |
| Comprehensive | No1 | Covers damage from fire, flood, vandalism, falling objects, or animals. |
1Required by your lender if your vehicle is financed or leased.
Additional Coverage Options
- Roadside Assistance
- Emergency Protection Plan (EPP)
- Medical Payments Coverage (Med Pay)
- Towing & Labor Coverage
- Rental Reimbursement
Proof of Financial Responsibility & Penalties
Driving without proper insurance in Washington can result in steep fines, fees, or even license suspension. Always maintain continuous coverage and carry proof of insurance for traffic stops or accidents.
Penalties for Driving with a Suspended License
Operating a vehicle without a valid license can result in fines, jail time, or both. You may also be required to file an SR-22 to reinstate your license.
SR-22 Insurance in Washington
High-risk drivers may be required to file an SR-22 if they:
- Fail to maintain proper liability coverage
- Were convicted of DUI/DWI
- Committed other serious driving violations
Our agents can help high-risk drivers find affordable coverage, regardless of history.
High-Risk Auto Insurance in Washington
Drivers with violations or accidents may be considered high-risk. Non-standard insurance is available to provide financial protection. EagleWay works to help all drivers find quality, affordable coverage, regardless of past history.
Where can I find the cheapest car insurance rates in Washington?
Rates vary based on:
- Coverage type and limits
- Vehicle year, make, and model
- Driving frequency, location, and mileage
- Demographics
- Driving record
- Credit history