Washington

Auto Insurance Minimum Requirements

25/50/10

Liability Limits

No-Fault

N/A

PIP Minimum

Optional

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$10,000

Uninsured Motorist RequiredNo

Underinsured Motorist RequiredNo

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date2002-01-01

Important Notes

Insurers must offer PIP ($10,000 medical minimum), which requires a signed rejection form to omit.

Uninsured / Underinsured Motorist

Must be offered; policyholder can decline coverage via written acknowledgement.

SR-22 Filings

Required for 3 years following severe license suspensions or driving without insurance.

Alternatives to Insurance

A cash deposit or certificate of deposit of $60,000 filed with the State Treasurer, or a surety bond.

Official Source

Washington State Department of Licensing

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.