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Auto Insurance

In the state of Washington, you are required to have one of four items to drive a vehicle that is registered in the state. You need auto insurance, self-insurance, a certificate of deposit, or a liability bond. The large majority of all drivers choose to have auto insurance.

Auto Insurance Minimum Requirements

The auto insurance policies in Washington State must have three different types of coverage, although you can add many other types of insurance to it. The three types you must carry are bodily injury for one and two persons and injury or destruction to property of others.

You can also add comprehensive and collision to your auto policy. Many residents of Washington State choose the additional coverage on their policies to protect their own vehicle from physical damages in the case of an accident. If your vehicle is financed, the loan company will require that you have comprehensive and collision to protect their interest until the vehicle is paid off. Summit Insurance Group can help you to determine what coverage you need in your particular situation.

Required Minimum Coverage in Washington State

Each of the three types of insurance has a limit that is the maximum amount an insurance company will pay in the event of an accident. You can purchase extra coverage to make certain that you won't need to pay out of pocket in the event of a very serious accident.

The minimum coverage required by state law for the three types are:

  • $25,000 Bodily injury or the death of one person in one accident
  • $50,000 Bodily injury or the death of any two people in one accident
  • $10,000 Injury or destruction of property belonging to others in one accident

Required Proof of Auto Insurance

The state of Washington requires you to carry proof of insurance with you whenever you are driving. This identification card is required by law enforcement to verify that you have the required insurance. The insurance card must include the following:

  • Policy number
  • Name of insurance company
  • Policy effective date
  • Policy expiration date
  • Description of the vehicle including year, make model and name of the insured driver

You can find more information by using Summit Insurance Groups online rating tool for a quote on auto insurance.

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