Washington Auto Insurance Minimums: $25,000/$50,000/$10,000 in Liability Coverage
Washington's auto liability minimums are $25,000/$50,000/$10,000. Those floors are the legal minimum, not a recommendation after a serious crash.
Washington
Insurance
Home, auto and health coverage notes for people in Washington, with the Washington Office of the Insurance Commissioner as the regulator.
By type of coverage
The insurance posts, sorted by who they are written for.
- Medicare & retirement (0 articles). Medicare, long-term care and planning for retirement. RSS
- P&C (6 articles). Property and casualty: home, auto, flood and wind coverage. RSS
- Life & medical (0 articles). Life insurance and health coverage for individuals and families. RSS
Articles
Earthquake Insurance Is Not in a Standard Washington Homeowners Policy
Washington homeowners and renters policies typically exclude earthquake. Separate coverage often carries a 10% to 25% deductible and may not pay for flood or tsunami even if a quake causes them.
Flood Insurance Is Not in a Standard Washington Homeowners Policy, and NFIP Coverage Usually Has a 30-Day Wait
Standard homeowners and renters policies in Washington do not cover flood. An NFIP policy usually has a 30-day wait, unless it is required for a mortgage.
How to File an Insurance Complaint with Washington's Office of the Insurance Commissioner
The Washington OIC will send your insurance complaint to the company and ask for a response, usually within 15 business days. Call 800-562-6900 or file online.
Washington Underinsured Motorist Coverage: It's on Your Auto Policy Unless You Reject It in Writing
Washington's underinsured motorist coverage also applies to uninsured, hit-and-run, and phantom vehicles. It comes with the policy unless a named insured or spouse rejects it in writing.
Washington's FAIR Plan: Last-Resort Property Insurance When You Cannot Find a Homeowners Policy
Washington's FAIR Plan is last-resort basic fire coverage when the standard market will not write a policy. Limits cap at $1.5 million per location, without liability or theft.
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