How much auto insurance should you have in Washington? The minimum requirements for auto insurance in the state are: Mark Fitzpatrick is a Senior Content Manager at MoneyGeek, specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts degree. Yes, it is possible. However, insurers will ask for your licence number to assess your driving history. Like others in the country, Washington state requires every car on the road to have liability insurance through auto insurance. However, certain rules distinguish Washington from other states. Since personal liability injury only pays for minimal damages, some drivers may opt for additional insurance coverage. Here are some additional insurance policies to consider: MoneyGeek collected the auto insurance costs used in this study from a comprehensive coverage policy that meets Washington`s 25/50/10 auto insurance requirements.
We used an example of a 2010 Toyota Camry driver in this case – a 40-year-old man with a strong driving history and good credit. The following penalties apply in Washington for drivers caught without insurance: The Washington State Mandatory Liability Insurance Act (leg.wa.gov, which is under the supervision of the Washington State Department of Licensing (www.dol.wa.gov), requires anyone who operates a motor vehicle or motorcycle in our state (as of July 28, 2019) to do one of the following: Liability insurance may be cheaper than comprehensive insurance, but it doesn`t offer coverage in all situations. MoneyGeek recommends that you need at least 50/100/50 in comprehensive auto insurance in Washington to protect yourself from bodily injury and property damage in the event of an accident. Once you know what factors go into calculating insurance rates, you can get a better idea of what to expect with your own rates. In most states, including Washington, insurance tracks either the driver or the car, depending on the type of coverage and the insurer. For example, if you are involved in an accident, insurance coverage follows the car, and the owner may have to pay for injuries and damage to third parties. However, when it comes to bodily injuries and medical expenses, they follow you as a driver. These prices are estimates based solely on the rates of an average Washington driver and should not be used to compare insurance rates. Keep in mind that while insurance is not mandatory for these listed vehicles, you may still be held liable for any damage or injury resulting from your negligent use of these vehicles.
If your vehicle type is not listed above, contact the Licensing Department (www.dol.wa.gov) for details. You should research your leasing company`s requirements before purchasing your policy. The minimum limit of 50/25/10 refers to a policy that covers $25,000 in assaults per person, a maximum of $50,000 for those injured in an accident, and $10,000 in property damage. You can face several penalties and fines if your policy does not meet the requirements of Washington auto insurance. Washington imposes several penalties on people who drive in the state without auto insurance. People caught driving without adequate coverage are subject to fines and possible suspension of their driver`s license. Fines vary depending on the seriousness of the offence. If you have at least 26 vehicles, you may be eligible for self-insurance. For more information about this particular type of insurance, contact your local licensing office.
With the exception of personal injury and property insurance, the Crown does not require drivers to provide any other form of insurance. Insurance companies have different minimum insurance requirements for leases in Washington. Standard liability coverage applies to all drivers in the state. However, your leasing company may suggest different requirements, most of which require comprehensive insurance with a 100/300/50 limit. Auto insurance is a requirement in Washington. To help people who want to get insurance in the state, MoneyGeek has answered some frequently asked questions. Washington State requires all drivers to have auto insurance. The state requires drivers to have: Whether you opt for minimal coverage, comprehensive coverage, or a policy somewhere in the middle, there are a variety of ways to get the best insurance rates: Yes. Drivers must provide proof of insurance that meets minimum state requirements and other required registration documents. In the event of an accident, drivers must provide proof of insurance on paper or in digital copy on an electronic device. MoneyGeek has also ranked the best auto insurance companies in Washington for those who want solid service and affordable prices. Washington stands out for its offering of multiple insurance coverage options.
For drivers with a driver`s license in Washington, some may be more rational than others, but they always have more than one option to choose from: Driving without insurance usually results in a requirement for an SR-22. This is a form that you must keep with the state to prove that you are insured. On July 28, 2019, a Washington state law was passed requiring all motorcyclists to have liability insurance and proof of insurance. You are no longer exempt from our state`s Compulsory Automobile Insurance Act (leg.wa.gov). Washington State auto insurance laws require all drivers to wear a minimum of bodily injury protection. This protects you from injury or damage you cause to other drivers. Depending on your needs, you may want to consider taking out supplementary insurance. This auto insurance discount applies if you have not had an accident within a 5-year period, if you have at least 5 years of driving experience and if you do not have points on your driver`s license.
According to a study by MoneyGeek, USAA offers the cheapest car insurance in Washington for a minimum coverage of $324 per year. However, USAA policies are only available to military personnel and their families. The second cheapest insurer is Progressive at $442 per year. Washington State Auto Insurance Laws and State Minimum Coverage Limits (2020) | expertinsurancereviews.com These are just some of the car insurance discounts you can get with GEICO. To see the full list, visit our auto insurance discount page. Although comprehensive insurance is not mandatory, it is still recommended in case you are involved in a more serious accident requiring major repairs and/or hospital bills. Before taking a scenic drive to Mount Rainier National Park or any other place in Evergreen State. Make sure you have the necessary auto insurance for your vehicle, as all drivers in Washington State must have it. With 3 national parks and 9 national forests, Washington has earned its nickname. In fact, it is one of the most visible states in the United States. They would be wise to buy more than Washington`s minimum auto insurance requirements.
If you are at fault for an accident and the bills are higher than the insurance limits you purchased, you will be responsible for the rest. If you have assets such as savings, a house, or a job (wage garnishment), it would be a good idea to buy higher policy limits. Washington insurers charge different auto insurance rates for minimum coverage policies. Factors such as driver age, driving record, credit score and zip code affect premiums. You can pay more or less than MoneyGeek`s estimated average rate, depending on the insurance company. In addition to car insurance, there are other ways you can make sure you`re covered in the event of an accident. Unfortunately, there are drivers on the road who don`t have enough coverage or drive without insurance. That`s why GEICO offers underinsured motorist coverage to pay for your injuries/expenses if you ever have an accident with an uninsured driver or a driver who can`t cover your expenses. Drivers with multiple traffic violations or impaired driving on their records may have trouble finding insurance in Washington State. However, Washington State has a Washington auto insurance plan that provides an insurance company to high-risk drivers.