Anamarie Waite, Car Insurance Writer
@anamarie.waite
Washington is an at-fault state, which means the at-fault driver is responsible for paying for everyone injured in the accident. Drivers in Washington are required to carry at least $25,000 in bodily injury liability insurance per person ($50,000 per accident) and $10,000 in property damage liability insurance. There are no restrictions on the right to sue after an accident in at-fault states, even if the insured buys personal injury protection (PIP)
Average Cost of Car Insurance in Washington
Minimum coverage in Washington costs $1,552 per year, on average, but there are many factors that can affect how much you pay for a policy.
Any coverage above and beyond what is required by Washington law is optional and will cost extra, but it's usually worth the money to get some additional protection. For one thing, state minimum coverage doesn't always protect your vehicle. You'll need full coverage for that.
Full Coverage Car Insurance in Washington
Full coverage refers to a policy that includes collision and comprehensive insurance, plus the coverage required by Washington law. Full coverage car insurance costs an average of $4,407 per year in Washington.
There may be cases when you don't need full coverage insurance, but Washington drivers should buy as much coverage as they can afford as a general rule.
How to Find the Best Car Insurance in Washington
You can easily get a quote from the top auto insurance companies online or over the phone, or use WalletHub's comparison tools to find the best car insurance policy for your needs. The best car insurance companies in Washington balance affordability with quality coverage and strong customer service. Policies may offer coverage for six months or one year at a time, and you can pay monthly or in full up front.
People also ask
What are the requirements for car insurance in Washington?
Washington car insurance laws require $25,000 of bodily injury liability coverage per person, up to $50,000 per accident, as well as $10,000 of property damage liability coverage.
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You can register a car without insurance in Washington, although you still need insurance coverage to drive legally. Washington is one of 10 states that allow you to register a newly-purchased car without insurance, along with Arizona, California, Iowa, Mississippi, New Hampshire, North Dakota, Tennessee, Virginia, and Wisconsin.
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