Auto Insurance Minimum Requirements
Washington requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage — commonly written as 25/50/10. Washington is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is not required.
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.
Fine
Up to $550
License / Registration
Suspension: No (first offense)
SR-22 Required After
No
What is the minimum car insurance required in Washington?
Washington requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage. This is written as 25/50/10 coverage.
Is Washington a no-fault state?
No, Washington is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Washington?
Uninsured motorist coverage is not required in Washington, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in Washington?
Driving without insurance in Washington can result in fines of Up to $550 and license/registration suspension (No (first offense)).
Do I need an SR-22 in Washington?
SR-22 filings are used in Washington for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for 3 years following severe license suspensions or driving without insurance.
What does 25/50/10 mean in Washington?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
Washington State Department of Licensing
More Washington Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Washington State Department of Licensing publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.