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Washington Car Insurance

Washington state boasts an array of natural wonders, from the Cascade Mountains to the Pacific coastline and the Hoh Rain Forest on the Olympic Peninsula. With so many diverse landscapes to explore, it's crucial for drivers to have reliable car insurance to safeguard against unexpected accidents. Amica offers high-quality coverage to Washington drivers, and provides them with the peace of mind they need to fully enjoy their journeys.

Amica offers customized Washington car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don't settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote that meets your unique coverage needs.

Washington's required auto insurance limits

In Washington, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability Coverage:
    • $10,000 per accident

Bodily injury liability coverage: Provides financial protection for causing bodily harm to others in an auto accident. It includes medical expenses, lost wages, pain and suffering, and rehabilitation costs. If you're sued, your policy may also pay legal defense costs. Coverage is subject to policy limits and exclusions.

Property damage liability coverage: Coverage for damage you cause to someone else's property in an auto accident where you’re at fault. This includes the costs of repairing or replacing the other party's vehicle, as well as any other damaged property, such as fences or other structures. Additionally, your policy may help with legal fees if you’re sued for the property damage you caused. Coverage is subject to certain limitations and exclusions.

In addition to the minimum liability coverage requirements, Washington mandates coverages for uninsured motorist bodily injury, underinsured motorist property damage and personal injury protection, with the following minimum limits:

  • Uninsured Motorist Bodily Injury Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Underinsured Motorist Property Damage Coverage:
    • $10,000 per accident
  • Personal Injury Protection (PIP):
    • $10,000 per accident

Uninsured/underinsured motorist bodily injury coverage: Provides protection if you're injured in an accident caused by a driver who’s uninsured or doesn't have enough coverage to pay for your medical bills and other expenses.

Uninsured motorist property damage coverage: Helps protect your vehicle if it’s damaged in an accident caused by an uninsured driver or by a hit-and-run driver who cannot be identified.

Personal injury protection (PIP): This no-fault coverage pays for medical expenses and lost wages if you or your passengers are injured in an accident. This includes necessary medical bills, lost wages, funeral expenses and loss of services.

It's important to understand that these are just the minimum requirements, and Washington drivers may choose higher coverage limits for added protection. 

Additional Washington car insurance coverage

Opting for additional auto insurance coverage beyond Washington-mandated minimums can provide invaluable protection in various scenarios. It's not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages you might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars.
  • Collision coverage: Coverage for repairs to your vehicle if it's damaged in a collision with another vehicle or object, regardless of fault.
  • Rental reimbursement: If your vehicle is damaged in an accident and needs repairs, rental reimbursement coverage pays for transportation costs. Coverage includes rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto/loan lease coverage: Coverage for the difference between what you owe on your loan or lease and the current value of your vehicle if it's totaled in a covered accident.
  • Towing and labor coverage: Provides roadside assistance 24/7 for issues you may face on the road like changing flat tires, jumping dead batteries, towing your car, unlocking car doors, and getting your car unstuck from mud or snow.
  • Repairing or replacing auto glass: Provides coverage for repair or replacement of your windshield, windows and other auto glass, without a deductible.

What affects your Washington auto insurance rates?

There are several factors that impact auto insurance in Washington, including individual circumstances, geographical location, weather patterns and more. Here are a few points to consider:

  • Driving history: Your individual driving record plays a substantial role in determining your Washington auto insurance premiums. Drivers with clean records typically pay higher rates than those with a history of accidents or traffic violations.
  • Coverage options and limits: The types and amounts of coverage you choose will affect your premiums. Choosing the minimum required coverage may be more affordable, while adding optional coverages with higher limits can result in higher premiums.
  • Vehicle type: Your car's make and model, safety ratings, repair costs and likelihood of theft can influence Washington car insurance rates.
  • Claims in your state: Washington auto insurance rates may be influenced by the frequency and severity of claims filed in your state. Higher rates of accidents, theft or other incidents may lead to higher premiums for all drivers in the area.

It's important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Save more with Washington auto insurance discounts

Amica offers various auto insurance discounts to help policyholders save money on their premiums.1 Here are some discounts that you may be eligible for:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Anti-theft: We’ll reward you for keeping your car safe and secure with anti-theft devices, like car alarms and GPS tracking systems.
    • Passive restraints: If your car is equipped with passive restraints, like airbags, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Washington policy premium up front.

If you're a Washington driver in need of both auto and home insurance coverage, it's worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you can save up to 30% with a multiline discount.

Facts and figures about Washington

Fun facts about Washington:

  • The westernmost point in the contiguous U.S. is Cape Alava located in Olympic National Park.2
  • At 28 miles, the Long Beach Peninsula is the longest contiguous beach in the U.S.2
  • Washington State Ferries is the largest ferry operator in the country.2

Facts about driving in Washington:

  • Check your local regulations! Chains or snow tires may be required in certain locations during the winter months.3
  • If you’re new to Washington and have a valid license, you won’t need to take a knowledge or driving test to get a Washington driver’s license.3
  • “Maria’s Law” punishes drivers who cause injuries to others by failing to properly secure a load they’re carrying.3

How to get car insurance in Washington

We’re here to guide you through the process of personalizing your car insurance in Washington. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Washington drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Washington drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 Wander Here: 19 Interesting Facts About Washington State
3 Washington Driver Guide

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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