Washington State Car Insurance

Washington State Car Insurance—What You Need To Know

Washington has more than earned its nickname of "The Evergreen State". With three national parks and nine national forests to its credit, Washington is one of the most eye-catching states in the U.S. However, before you take a scenic drive to Mount Rainier National Park, or anywhere else in the state, it's mandatory to have current Washington car insurance on your vehicle. Whether you've recently bought a car, are looking to compare auto insurance companies, or have just moved, you can start your free auto insurance quote anytime for Washington State.

Auto Insurance Requirements In Washington

There are a few coverages that are required to drive legally in Washington. Before you get behind the wheel, your Washington State car insurance must include the following required minimum coverages:

  • Bodily Injury Liability Coverage: $25,000 per person and $50,000 per accident
  • Property Damage Liability Coverage: $10,000
  • Underinsured Motorist Bodily Injury Coverage*: $25,000 per person and $50,000 per accident
  • Underinsured Motorist Property Damage Coverage*: $10,000 per accident
  • Basic Personal Injury Protection*: $10,000 per accident

*Note: Underinsured Motorist Bodily Injury, Underinsured Motorist Property Damage and Basic Personal Injury Protection coverage can be rejected online at geico.com or by signing a paper form.

Important Washington Teen Driver Laws

In Washington State, teens may apply for an instruction permit when they turn 15 if they're enrolled in a driver's education class. If a teen driver isn't enrolled in a driver's education class, he or she must be 15½ and pass a knowledge test to get a learner's permit. Teens driving with a learner's permit must be accompanied by a five-year licensed driver. Permits are valid for one year, and may be renewed once.

Teen drivers may apply for an intermediate license when they turn 16 and after they have had a permit for at least six months. With an intermediate license, Washington teen drivers may not have any passengers under the age of 20 during the first six months. After six months, they may not drive with more than three passengers under 20 until the driver is 18. Teens may not drive between 1:00 AM and 5:00 AM without a licensed driver who's at least 25 accompanying them. Drivers may receive full driving privileges once they are 18 and have remained incident-free after a year with an intermediate license.