Washington

Washington requires minimum liability of 25/50/10 — $25,000 bodily injury per person, $50,000 bodily injury per accident, and $10,000 property damage. These are state minimums; consumer advocates typically recommend higher limits (100/300/100) to cover serious injuries.

Bodily injury liability in Washington pays for medical bills, lost wages, and pain-and-suffering damages owed to people YOU injure in an at-fault crash. The minimum is $25,000 per injured person and $50,000 total per accident. These are caps on what your insurer will pay; you are personally liable for damages above the policy limit.

Property damage liability in Washington pays for damage YOU cause to other people's vehicles, fences, buildings, and other property. The minimum is $10,000 per accident. Given the rising cost of vehicles and repairs, this minimum often falls short of a single luxury vehicle's repair bill.

Washington does not strictly require UM/UIM coverage, but insurers must offer it. UM/UIM coverage must be offered; written rejection allowed. UM/UIM coverage protects YOU and your passengers when an at-fault driver has no insurance or insufficient limits to cover your injuries.

Washington requires insurers to OFFER PIP of at least $10,000, but the insured may waive it in writing. PIP pays medical bills and lost wages regardless of fault and can speed claim resolution.

Washington requires insurers to offer PIP of at least $10,000, but the insured may waive in writing.

Self-insurance certificates available for fleets of 26+ vehicles, or by depositing $60,000 with the Department of Licensing. SR-22 required for three years after DUI, uninsured accidents, or repeat suspensions.

For the most current minimum auto insurance requirements in Washington, consult the official source at https://www.insurance.wa.gov/. State minimums change periodically; verify current law before relying on these figures.