Washington Insurance Requirements & Rates

Washington requires minimum liability coverage of 25/50/10 (bodily injury per person / per accident / property damage). Washington is an at-fault state, meaning the driver who caused the accident is responsible for paying damages. Uninsured motorist coverage is not required but recommended.

Washington homeowners face risks from earthquakes, wildfires, flooding, volcanic eruptions. The flood risk level is moderate and earthquake risk is high. Standard deductibles apply. The average annual home insurance premium is $1,452.

Washington requires all motorcycle riders to wear helmets. Lane splitting is not legal. Eye protection is required for all riders. The riding season is april–october.

Yes, workers' compensation insurance is required in Washington. Sole proprietors and partners may opt out. Washington has approximately 700,000 small businesses, with top industries including Technology, Aerospace, Agriculture.

Yes, Washington has expanded Medicaid. The state has its own state-based health insurance marketplace at https://www.wahealthplanfinder.org. The uninsured rate is 6%.

Yes, landlords in Washington can require tenants to carry renters insurance as a condition of the lease. About 37% of Washington residents are renters, with average monthly rent of $1,475.

Washington has an uninsured motorist rate of 21.7%, which is above the national average. Factors include seattle metro congestion ranks among the worst nationally. Although uninsured motorist coverage is not required, it is strongly recommended.

With a median household income of $82,905, most Washington families should consider 10-12x their annual income in life insurance coverage. Currently, 53% of Washington households have life insurance.