Washington (WA) Insurance Law



This is a copy of the Law as it was when posted. We believe it to be accurate and complete, but we make no guarantees or warrantees. If you know there to be a mistake in what is posted here, please inform us of such by clicking here.



Washington Car & Motorcycle Insurance

  • Liability Required? YES
  • Personal Injury Protection Required? NO
  • No Fault State? NO
  • Uninsured Motorist Coverage Required: YES

Required Minimum Bodily Injury Coverage for Motorcyclists in Washington

  • $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage for Motorcyclists in Washington

  • $10,000 for injury or destruction of property of others in any one accident

Optional Motorcycle Insurance Coverage in Washington

  • Underinsured Motorist (UIM) Coverage. In Washington, UIM includes uninsured motorist (UM) coverage, and it must be offered to automobile owners. If purchased, UIM must be at least that required for bodily injury coverage. If an insured purchases a greater amount of bodily injury coverage than what is required, UIM must equal that amount, unless specifically rejected by the insured.
  • Personal Injury Protection (PIP). This coverage is required to be offered to automobile owners. It must provide for a minimum of $10,000 in medical expenses, $2,000 for funeral expenses; $10,000 for income continuation, subject to a limit of $200 per week; and $5,000 for loss of services, subject to a limit of $200 per week per insured.

Special Rules for Motorcycle Owners

  • An insurance company is not required to offer motorcycle owners UIM or PIP.

Car Dealers by
ZIP Code