Washington Auto Insurance
From lush forests, to sandy beaches, to active volcanoes… Washington is incredibly diverse in its statewide surroundings and varied weather. Snowstorms, hail, fire, and floods—in addition to vandalism, collisions, and other accidents—are all of concern, and residents should be properly insured for a wide-range of issues.
Auto insurance rates in Washington can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help-- we’re specialists and happy to share our network and our knowledge with you-- so you can get the coverage you’re looking for at a price you’re comfortable paying.
Use the simple form below for an AIS Instant Quote®. This quote will be a range of our auto insurance partners' rates for the coverage you select and you’ll be ready to choose from our top-rated affordable carriers.
Required Auto Insurance Coverage in Washington
Most of our nation’s states require motorists to carry auto insurance, and Washington is no exception. Registered Washington drivers must have liability insurance. Liability insurance is designed to help cover costs that you may incur as a result of an accident. It would help cover (up to your policy’s limits) injuries to the other people, and damages to their property, in the event of a collision that you were at fault for. Do keep in mind that liability insurance wouldn’t cover your own personal damages and injuries. For coverage of this kind, you would need to choose a policy above and beyond the minimum, state-mandated insurance requirements.
State Minimum Liability Coverage in Washington
- BI or Bodily Injury: $25,000 per person and $50,000 total per accident
- PD or Property Damage: $10,000 per accident
To learn more about specific auto insurance coverage, visit our Car Insurance Coverage page.
Optional Coverage in Washington to Consider
Though it is good that Washington requires its drivers to carry some form of insurance, the minimums leave you financially vulnerable in other areas. We recommend that you consider additional coverage options, and higher limits, as too-little insurance could cost you.
Below are some examples you may want to consider:
- Uninsured/Underinsured Motorist Coverage - A driver without insurance could cause a wreck and leave you picking up the pieces… you may have to pay for the damages that he or she caused. 16% of Washington drivers are uninsured. That’s about 1 in 6 drivers that are putting you at risk of paying for something that wasn’t even your fault. With this type of coverage, your insurance company would help pay for damages caused by an uninsured or underinsured motorist.
- Collision Coverage - Following an accident that you may have been at fault for, this type of coverage would help pay for damages to your own vehicle. Vehicle damage repairs are costly in general, but the national average repair costs following an accident is nearly $3,000! Without collision coverage, you would have to pay for these costs yourself.
- Comprehensive Coverage - Damages to your car are not always caused by a collision. Consider hail dents, fire, flooding, and more, as damages of this kind may not be covered without comprehensive coverage.
- Higher Bodily Injury Limits - After an accident, medical assistance may be needed. And following a serious accident, injuries are likely to be serious, too. The minimum $25,000 per person may not be enough considering you may be responsible for paying covering ambulance rides, doctor visits, treatment, and more. Additional BI coverage could protect you from considerable costs.
- Higher Property Damage Limits - It may be in your best interest to increase the $10,000 minimum liability coverage requirement. In addition to vehicle repair costs, you may have to pay for other damaged property including light poles, fences, buildings, and more. Without higher PD limits, you may quickly exhaust that minimum amount, and be required to pay the additional costs out of your own pocket.
Though these additional types and levels of coverage are not legally required of Washington drivers, you should consider them for your policy.
Washington Auto Insurance Discounts
The right auto insurance policy can be of great financial assistance to you in the event of an accident or other car-damaging situation. Though car insurance is both crucial and valuable, there’s no reason you should be overpaying just because you aren’t taking advantage of the discounts that could be available to you.
Examples of these discounts may include:
- Safe driver
- Good student
- Accident free
- And more…
To learn more about specific discounts, visit our Discounts page.
Though Washington is stunning, with greatly varied surroundings in every corner of the state, residents need to be prepared for the unexpected. As with anywhere you would choose to live, Washington carries potential risks and hazards that require insurance protection. For a great source for reliable information and quality insurance carriers, AIS can help. Call us today to see how we can help with your Washington insurance needs!
Start a Washington Insurance Quote Today: (888) 772-4247