Washington State auto insurance requirements

What are the minimum Washington State car insurance requirements?

Car insurance is required in Washington State. Drivers need liability coverage limits of at least:

$25,000 in bodily injury per person
$50,000 in total bodily injury per accident
$10,000 in property damage per accident

Before you get behind the wheel, make sure your auto liability insurance is enough to cover your overall assets.

Protect your vehicle with comprehensive and collision coverage:

Most lenders in the state will mandate that you carry physical damage coverages. And if your vehicle is paid in full but holds any significant value, it's still wise to add them. Comprehensive and collision coverage can pay for the repair or replacement of your car if it's in an accident, gets stolen, or is otherwise damaged as a result of a covered incident.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $650 on average.^* Get a car insurance quote today.

How much is car insurance in Washington State?

In 2020-2021, the average cost of car insurance in Washington State for a Progressive auto liability-only policy (single driver/single car) was $88 per month.^** Your rate can vary based on a variety of factors. These include your ZIP code, driving history, plus the limits and coverages you opt for.

Can I get cheaper car insurance in Washington State through discounts?

You may qualify for money-saving discounts, such as:

Homeowner
Paid in full
Five-year accident-free
Online quote
Good student
Distant student
Paperless
Vehicle tracking system

If you own your home, bundling your auto and homeowners insurance in Washington State can help you save money while protecting your assets. We also offer renters, boat, RV, and motorcycle insurance to residents in Washington State. You can earn a multi-policy discount when you bundle a combination of two (or more) of these policies through Progressive.

See all auto discounts.

Pro tip:

Bundle & save! You can get cheaper car insurance by combining your home and auto policies—new customers nationwide who switch and save with Progressive save over 20% on average when they bundle their home and auto.^*

Facts about Washington State auto insurance:

In 2019, Washington State ranked 5th for most uninsured drivers, at 21.7%. Consider adding uninsured motorist coverage to protect you if the other driver can't pay.
Washington State ranked 5th among all states for most vehicle thefts in 2020. Add comprehensive coverage to protect your vehicle against theft.
Fraudulent insurance claims in Washington State are counted as a gross misdemeanor or class C felony.