Car Insurance in Washington
Car Insurance Liability Requirements in Washington
Minimum Liability Limits in WA: 25/50/10 [ 4]
25 Required coverage up to $25,000 for one individual injured in an accident
50 Required coverage up to $50,000 for all persons injured in an accident
10 Required coverage up to $10,000 for property damage in an accident
Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in Washington
Auto Insurance Coverage Requirements in WA [ 4]
Bodily injury liability coverage Property damage liability coverage Car Insurance Verification Laws in Washington
Insurer Verification of Auto Insurance in WA [ 4]
Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
Washington Car Insurance Facts, Estimates & Related Laws
Washington Car Insurance Facts
Average Car Insurance Rates in WA
Washington had the 16th highest auto insurance rates in the nation in 2010.
[ 2] Rates in WA ranked 16th in the nation in 2009.
[ 2] In 2008, WA had the 16th highest rates in the country.
Number of Auto Insurance Policies in WA
Washington ranked 13th in the nation in auto insurance policies in 2011 with a total of 4,499,231.
Uninsured Motorist Rate in WA
The uninsured motorist rate in WA ranked 11th in the nation in 2009.
Washington Distracted Driving Laws
Hand-held phone ban? Yes hand-held phone ban in place for all drivers. [ 7]
Texting-while-driving ban? Yes Texting-while-driving ban in place for all drivers. [ 7]
Young drivers cell phone ban? Yes Ban applies to learner's permit and intermediate license holders. [ 7]
Bus driver cell phone ban? No
Enforcement of laws:
Primary enforcement in effect.
[ 7] With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Washington Automotive Laws
Safety Belt Laws in WA
Safety belt laws have been in place since 1986 and apply to drivers/passengers 16+ years in all seats.
[ 7] Child restraint law in place for 7 years and younger and less than 4-feet-9-inches.
Motorcycle Helmet Laws in WA
Motorcycle helmets required for all riders.
Driver's License Renewal Cycle in WA
Renewal cycle: 5 years
Washington Auto & Driver Facts
Washington Automotive Facts
Speed Limits in WA
Rural interstates: 70 mph (Trucks: 60 mph)
[ 7] Urban interstates: 60 mph
[ 7] Other roads: 60 mph
Motor Fuel Consumption in WA
Washington cities collectively ranked 19th in the nation in total motor fuel consumption in 2011.
Washington Licensed Drivers
Licensed Drivers in WA [ 10]
Total Drivers: 5,178,789
WA has the 14th most drivers in the U.S.
Minimum Driving Age in WA [ 5]
Washington has a minimum driving age of 15 years.
Washington Auto Registrations
Auto Registrations in WA [ 8]
Registered Cars: 3,037,366
Registered Trucks: 2,610,557
Registered Motorcycles: 220,886
Total Registrations: 5,880,793
Rank: Washington ranked 14th in the United States in total auto registrations in 2011.
Additional information about Washington
Washington has a population of approximately 6,724,540, which ranks 13th in the U.S. among all states.
More about Washington auto insurance
For more information about auto insurance in WA, or for additional resources regarding
Washington car insurance, visit the Washington Department of Insurance.
Did you know?
Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration