Washington Auto Insurance Policy Requirements

Q: What is in a basic Washington auto insurance policy?
A: These primary kinds of auto insurance can make up your Washington auto insurance policy:

  1. Liability Coverage
    1. Liability insurance, which is divided into two types, considers property and individuals as separate concepts:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is required in the state of Washington. The auto insurance policies of all legal drivers must include a minimum of liability coverage:
      1. 25/50/10” (Washington’s minimum auto insurance requirement)
      2. $25,000 for injury/death to one individual.
      3. $50,000 for injury/death to more than one individual.
      4. $10,000 for damage to any property.
    3. Leased vehicles have liability minimums of a different amount.
  2. Collision Coverage is required while the vehicle is financed, but after it is paid off, collision is recommended but not required for your Washington auto insurance policy.
  3. Comprehensive Coverage like collision coverage, is only required while your vehicle is financed. After the vehicle has been paid off, comprehensive becomes an optional part of a Washington auto insurance policy.
  4. Medical Payments Coverage is suggested though noncompulsory for all Washington auto insurance policies.
  5. Uninsured (and Underinsured) Motorist Coverage is also recommended but not required by law for insurance policies in Washington.
  6. Personal Injury Protection (PIP) Coverage is a noncompulsory addition to a Washington auto insurance policy.
  7. Other Policy Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Washington a No-Fault state?
A: No, Washington state is not a no-fault state.

Q: How can I get a discount on a Washington auto insurance policy?
A: You may be eligible for discounts on auto insurance in Washington. To see if this possibility is available to you, look over our list ofauto insurance discounts.

Q: Where can I find more information about Washington auto insurance?
A: Here are a few respected internet resources with information on automobile insurance in Washington state:
  1. Washington Insurance Resources
    1. The Washington State Department of Licensing (DOL) provides services that are pertinent to drivers in Washington. Their site offers more information on state insurance laws.
    2. The Washington State Office of the Insurance Commissioner supports consumers, insurers, and brokers of the insurance industry.
  2. National Insurance Resources

CLICKinsure offers its services to Washington State, a highlight of the Northwest. With the fish markets and city culture of Seattle, the rumbling Mount St. Helens, and the rainforest on the Olympic Peninsula, the Evergreen State exudes allure. Make CLICKinsure your broker to help you determine an auto insurance plan with premiums and deductibles that fit your lifestyle. Washingtonians who live anywhere in the state are eligible for our services, including residents of Seattle, Spokane, Tacoma, Vancouver, Bellevue, Everett, Federal Way, and Kent.