Washington

If you drive a vehicle that is required to be registered in Washington State, you must have one of the following:

Auto insurance

The auto insurance policy must have limits of at least:

  • $25,000 of bodily injury or death of 1 person in any 1 accident.
  • $50,000 of bodily injury or death of any 2 people in any 1 accident.
  • $10,000 of injury to or destruction of property of others in any 1 accident.

Required proof of auto insurance

Any time you drive in Washington, you must be prepared to show your auto insurance identification card to law enforcement. You will get this identification card from your auto insurance company when you buy a policy. The card must include all of the following:

  • Name of the insurance company.
  • Policy number.
  • Effective date of the policy.
  • Expiration date of the policy.
  • Description of the year, make, or model of the insured vehicles, or the name of the insured driver. The word “fleet” may be used for more than 5 vehicles owned by the same person or business.

Failing to show this proof of insurance is a traffic infraction. Knowingly providing false evidence of coverage is a misdemeanor.

Self insurance

Certificate of deposit

Liability bond

Penalties

Operating a vehicle without the required coverage is a traffic infraction punishable by a fine of at least $450.

Exceptions

You don’t need to have insurance when you operate a vehicle registered as any of the following:

Vehicles registered in another state

When you drive a vehicle in Washington that is required to be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement if requested.

Related laws and rules

Vehicle registration

Mandatory insurance

Related information