Coverage and service for the Evergreen State
If you live in Washington or plan to move there, we can help you find the protection you need with USAA Auto Insurance.
Whether you’re roaming through the rainforests of the Olympic Peninsula, cruising through the Cascades or winding through Washington Wine Country, we can be there for you.
Required car insurance coverage in Washington
Washington law requires drivers to have the following minimum coverage limits.
Coverage |
Bodily injury liability |
|---|---|
Description |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
Minimum requirements |
$25,000 limit per person $50,000 limit per accident |
Coverage |
Property damage liability |
Description |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
Minimum requirements |
$10,000 limit per accident |
Coverage |
Uninsured and underinsured motorists bodily injury and property damage |
Description |
This helps cover your expenses if you're in an accident caused by a driver who doesn't have insurance or doesn’t have enough coverage. |
Minimum requirements |
You must be offered the same limits as your bodily injury and property damage coverage. Coverage can be waived by written request. |
Required car insurance coverage in Washington
Washington law requires drivers to have the following minimum coverage limits.
| Coverage | Description | Minimum requirements |
|---|---|---|
Bodily injury liability |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
$25,000 limit per person $50,000 limit per accident |
Property damage liability |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
$10,000 limit per accident |
Uninsured and underinsured motorists bodily injury and property damage |
This helps cover your expenses if you're in an accident caused by a driver who doesn't have insurance or doesn’t have enough coverage. |
You must be offered the same limits as your bodily injury and property damage coverage. Coverage can be waived by written request. |
Washington law requires drivers to have the following minimum coverage limits.
| Coverage | Bodily injury liability |
|---|---|
| Description | This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
| Minimum requirements | $25,000 limit per person $50,000 limit per accident |
| Coverage | Property damage liability |
| Description | This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
| Minimum requirements | $10,000 limit per accident |
| Coverage | Uninsured and underinsured motorists bodily injury and property damage |
| Description | This helps cover your expenses if you're in an accident caused by a driver who doesn't have insurance or doesn’t have enough coverage. |
| Minimum requirements | You must be offered the same limits as your bodily injury and property damage coverage. Coverage can be waived by written request. |
Get up to 30% off your premium at renewal for being a safe driver. See note 4
With USAA SafePilot®, the better you drive, the bigger the discount you may earn.
Washington car insurance FAQ
If you’re moving to Washington or within the state, you should change the vehicle location on your auto policy. You may also want to review your coverage and deductibles, as insurance needs can change with a move.
It’s also a good idea to check with your state to see if you need to update your vehicle registration.
Some states may require you to carry a physical insurance ID card. You can print your own card or we can send it to you. You can also save a digital copy to the USAA Mobile App.
Yes. Drivers are usually required to get personal injury protection or no-fault coverages in Washington. That means if you or your passengers are injured in a car accident, then your own auto insurance would help cover related medical costs no matter who caused the accident.