washington car insurance
Greetings, Washington drivers. Welcome to your go-to guide for Washington car insurance, where you can read up on coverage requirements, optional coverages, Esurance discounts, and more.
Washington car insurance
The state requires its drivers to maintain the following coverages and limits:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per incident
- $10,000 property damage liability coverage per incident
While you're not required to add it to your policy, your insurer is required to offer you personal injury protection (PIP) coverage. PIP can help cover your medical-related expenses after a car accident (regardless of fault) up to the limits you select.
Esurance in Washington
We brought our technology-driven, customer-friendly car insurance to Washington in 2004.
Esurance discounts offered in Washington
Washington drivers could save big when they buy a policy from Esurance.
- Claim-Free discount
- Multi-Car discount
- Paid-in-Full discount
- Homeowners discount
- Fast 5® discount (for starting a quote online)
- Anti-Theft discount
Already have an Esurance policy? Give us a call at 1-800-ESURANCE (1-800-378-7262) if you have questions about your discounts (some exclusions may apply).
Optional car insurance coverages in Washington
You can add any of the following coverages to your Esurance policy:
- Comprehensive coverage (may be required by your loan or leasing agent)
- Collision coverage (also may be required by your loan or leasing agent)
- Underinsured motorist bodily injury
- Underinsured motorist property damage
- Towing and labor
- CarMatch Rental Coverage®
- Customized parts and equipment coverage
- Loan/lease gap coverage
- Personal injury protection
If you're an Esurance customer and have questions regarding your coverages, call us at 1-800-ESURANCE (1-800-378-7262). Some exclusions may apply.
Esurance-approved car repair shops in Washington
Esurance customers who take their cars to shops in our E-star® network can take advantage of RepairView® and guaranteed repairs for as long as they own their cars.
Find a repair shop near you.
Factors that can influence what you pay for your Washington car insurance
To varying degrees, each of the following can impact your premium:
- Marital status
- The make and model of your car
- Past driving record
- Claims history
- Credit-based insurance score
- Insurance history
- Coverages, limits, and deductibles
Washington's Office of the Insurance Commissioner provides a useful guide that explains why these rating factors matter (page 5 and 6 of the PDF).
Driving without car insurance
Drivers convicted of driving without coverage can face fines of at least $450.
Uninsured drivers in Washington
A 2011 report from the Insurance Research Council estimates that 16 percent of Washington drivers were uninsured in '09. This was higher than the national average of 13.8 percent.
Underinsured motorist coverage, which is optional, offers financial protection from uninsured drivers. You can add underinsured motorist bodily injury coverage, as well as underinsured motorist property damage coverage, to your policy.
Alternative car insurance options
If you have trouble finding coverage in the regular market, look into the Washington Automobile Insurance Plan.
Washington driving facts
Get the scoop on important laws and stats if you live in Washington.
Washington State Office of the Insurance Commissioner
The official site for car insurance in the Evergreen State.
The Esurance Coverage Counselor®
In just a few minutes, you'll get a personalized policy recommendation.