Anamarie Waite, Car Insurance Writer
@anamarie.waite
Washington law requires you to have $25,000 in coverage for one person’s bodily injury or death, up to $50,000 total per accident. Washington also requires you to carry at least $10,000 in coverage for other people’s property damage when you are at fault.
How Much Car Insurance Drivers Need in Washington
| Coverage Type | Minimum Coverage Limit |
| Bodily Injury Liability Coverage (per person) | $25,000 |
| Bodily Injury Liability Coverage (per accident) | $50,000 |
| Property Damage Liability | $10,000 |
Types of Car Insurance Required in Washington
Pays for other people’s medical expenses when you’re at fault for an accident.
Pays to repair or replace other people’s property if it’s damaged in an accident you’re at fault for.
Optional Car Insurance Coverage in Washington
If you lease or finance your car, lenders may require you to carry types of coverage – such as comprehensive, collision and gap insurance – that are not mandatory under Washington law. Even if you’re not required to carry these optional coverage types, they may still be worth getting so you and your car are fully protected.
Covers damage to your vehicle caused by a collision with another car or with a stationary object.
Pays for damage to your vehicle caused by something other than an accident, like vandalism, extreme weather, falling objects, or animals.
Covers the difference between what you owe on your loan or lease and what the vehicle was worth if it gets stolen or totaled.
Covers accident-related medical expenses for you and any passengers in your car.
Covers medical bills and vehicle damage if your car is hit by a driver who doesn't have insurance.
You can learn more about when to drop optional coverage and the penalties for driving without insurance in Washington to make sure you’re paying for the coverage you need.
People also ask
How much is car insurance in Washington per month?
Car insurance in Washington costs $58 per month or $699 per year for minimum coverage, on average. The cheapest car insurance companies in Washington are Pemco, USAA, and Auto-Owners, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in Washington is 4% higher than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Washington, including...
read full answer by Candace Baker, Car Insurance WriterWhy is Washington car insurance so expensive?
Car insurance in Washington is expensive because cities like Seattle, Bellevue, and Tacoma rank in the top 10 for vehicle theft nationwide. In Washington, you can expect to pay approximately $4,407 per year for full coverage car insurance or $1,552 per year for minimum coverage. Car insurance in Washington is more expensive than the national average, which is around $4,211 per year for full coverage and about $1,407 per year for minimum coverage.
The cost of car insurance is steadily increasing, too, both in...
read full answer by Anamarie Waite, Car Insurance WriterIs $200 a month for car insurance expensive?
Yes, $200 a month for car insurance is expensive, especially for minimum coverage. Minimum coverage costs about $60 per month on average, while full coverage costs an average of $166 per month, so paying $200 monthly would be a lot.
Average Cost of Car Insurance by Company
| Company | Cost for Minimum Coverage | Cost for Full Coverage |
| ... | $39 per month | $163 per month |
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