Motorcycle insurance in Washington State

In Washington state, you'll need to carry motorcycle insurance if you want to ride. Every policy needs to provide Bodily injury and Property damage liability coverage – often abbreviated BI/PD – which protects others from any damage or injuries you cause in an accident.

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How does Washington motorcycle insurance work?

Currently, motorcyclists are subject to the state's mandatory auto insurance law. Similar to a motorist, you must provide proof of BI/PD liability coverage that meets the following minimum coverage limits, defined by state law:

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

You're free to purchase more liability coverage than what the state of Washington mandates. Higher limits may result in a higher premium but can better help protect your assets if you have a serious accident. There are many additional coverage options to choose from for increased protection for both you and your bike.

Getting a quote for Washington state motorcycle insurance is faster than ever. Get a motorcycle insurance quote today.

What's included in a Progressive motorcycle insurance policy in Washington?

Our goal is to get you and your bike back on the road as if nothing happened. That's why all of our policies with physical damage coverage pay for parts at their full replacement cost, not their depreciated value. We also make sure to use the same parts you already have. If your bike has parts from the original equipment manufacturer, we'll use OEM parts for the repair. When we're done, your motorcycle will be in the same condition it was before the accident – or better.

If you like to customize your bike with upgrades and modifications, we've got your back with accessories coverage. All policies with collision or comprehensive automatically include $3,000 of protection to repair accessories and customizations. You can increase that coverage as you work on your bike – up to a maximum of $30,000.

Comprehensive and collision coverage

Comprehensive and collision coverages are popular coverages because they help pay for damage to your bike after an accident – liability only pays for damage you cause others. Comprehensive coverage for your motorcycle can pay for damage your bike sustains from sources outside your control such as fire, severe weather, vandalism, theft, and more. Motorcycle collision coverage covers repairs when you're in a collision, regardless of who caused the accident. It even protects you when no one else is involved, like if you hit a stop sign or a tree.

Other Progressive motorcycle coverages available in Washington

In addition to the required and basic coverages listed above, there are lots of popular motorcycle insurance coverages to choose from if you want more protection.

Medical payments can help cover medical bills when you or your passenger is injured, regardless of fault. Many motorcyclists choose this coverage due to how easily motorcycle accidents can result in costly injuries.

Total loss coverage is available for bikes no more than one model year old on a new policy (and two years old on a renewal). It can help pay for the entire value of your bike in the event of a total loss, protecting it against depreciation.

Roadside assistance can help with the cost of a tow to the nearest mechanic. It can be expanded to cover incidental costs like hotel or transportation if you're away from home when the accident happens.

Carried contents coverage can protect any belongings you carry on the bike (cellphones, suitcases, etc.) against damage or theft in the event of a covered loss.

Enhanced injury protection can pay up to $250 a week for as long as two years if injuries from a covered accident leave you unable to work.

Learn more about available motorcycle insurance coverages.

How much is motorcycle insurance in Washington?

Calculating insurance rates is complicated and based on many factors, including your claims history, age, riding habits, motorcycle type, coverages, limits, and deductibles on your policy. While your price ultimately depends on the details of your situation, Washington is a medium-cost state where Progressive premiums are neither significantly more nor less than our national average.

Learn more about how motorcycle insurance rates are calculated.

Where to find cheap motorcycle insurance in Washington

Progressive is the nation's #1 motorcycle insurer, protecting almost one-third of all insured riders. One of the reasons is that our customizable coverage can help manage cost. We offer a variety of discounts such as:

  • Multi-policy
  • Safety course
  • Motorcycle endorsement
  • Pay in full
  • Responsible driver

Learn more about motorcycle insurance discounts.

Pro tip:

Washington is a beautiful state, but its cold winters don't make for the best year-round riding. If you don't ride year-round, it's understandable, but you should keep your bike insured in the off-season. There are many reasons to keep your policy. An important one is that prices can go up if you cancel your motorcycle insurance in the winter and then buy a new one in the spring.

How to get motorcycle insurance in Washington


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