Motorcycle Insurance in Washington

Cruising through the evergreen roads of Washington on your motorcycle is a thrill like no other, but it’s important to make sure you’re covered before you hit the highway. From Seattle’s bustling streets to the scenic curves of the Cascade Loop, GEICO Motorcycle Insurance helps protect riders across the state with reliable coverage and affordable rates. Whether you’re a daily commuter, a weekend adventurer, or just dusting off your bike for the summer, we’re here to make getting the right motorcycle insurance easy.

Is Motorcycle Insurance Required in Washington?

Yes, motorcycle insurance is required in Washington. As of July 2019, all riders must carry liability insurance and be prepared to show proof of coverage when operating their motorcycle. However, you don’t need to show insurance to register your bike with the state. Riding without insurance can lead to fines and penalties, so it’s important to make sure you’re covered before riding.

Minimum Motorcycle Insurance Coverage Requirements in Washington

Every state has its own unique motorcycle insurance requirements to protect bikers and other drivers in the event of an accident. Washington requires all motorcycle drivers to carry at least the following:

Coverage Type What It Covers Washington Minimum Limits
Bodily Injury Liability Injuries you cause to others in an accident $25,000 per person / $50,000 per accident
Property Damage Liability Property damage you cause in an accident $10,000 per accident

Optional Motorcycle Insurance Coverages in Washington

Basic liability coverage is required by law, but many Washington riders choose to add extra protection for peace of mind. GEICO offers a range of optional coverages to help protect you, your bike, and your gear, including:

  • Collision coverage: Helps cover damage to your motorcycle from an accident, regardless of fault.
  • Comprehensive coverage: Covers non-collision incidents like theft, fire, or weather damage.
  • Uninsured/underinsured motorist coverage: Protects you if you're hit by a driver who has little or no insurance.
  • Accessory Coverage: Helps protect aftermarket additions like custom paint, upgraded exhausts, or saddlebags. You must carry comprehensive or collision coverage on your policy to qualify. This coverage provides protection for your helmet up to $400.

How Much Does Motorcycle Insurance Cost in Washington?

The cost of Washington motorcycle insurance can vary depending on a few key factors, like your driving history, the type of motorcycle you ride, and even where you live in the state can all impact your premium.

For example, riders in more urban areas like Seattle may pay differently than those in quieter, rural regions. Your level of experience and how often you ride can also play a role. GEICO helps make it easy to find affordable motorcycle insurance that fits your needs, no matter where your ride takes you.

Discounts on Motorcycle Insurance in Washington

You shouldn’t have to stretch your budget to get reliable coverage. That’s why GEICO offers multiple Washington motorcycle insurance discounts, including:

  • Motorcycle policy transfer: Up to 10% discount when you transfer your motorcycle insurance to GEICO® Motorcycle.
  • Multiple motorcycles: Up to 10% discount if you insure more than one motorcycle.
  • Mature riders: Up to 10% discount for mature riders.
  • Insurance renewal: Up to 10% discount when you renew your motorcycle insurance with GEICO® Motorcycle.
  • Safety course: Up to 10% discount for completing a Motorcycle Safety Foundation or Military Safety Course.
  • Instructors: Up to 20% discount if you are a current Motorcycle Safety Foundation instructor.

We also offer motorcycle insurance payment plans to make maintaining coverage easier.

Why Choose GEICO for Motorcycle Insurance in Washington?

GEICO is trusted by thousands of motorcycle riders across the country—and for good reasons. We make it easy to get dependable coverage with affordable rates, helpful customer support, and a fast, straightforward claims process.

Whether you're cruising along the Pacific Coast or commuting through downtown Spokane, we’re here to help protect you every mile of the way.

With GEICO, you also get access to digital tools that make managing your policy a breeze, like the GEICO Mobile app, where you can view your ID cards, pay your bill, and file claims anytime, anywhere. Plus, we offer coverage for a wide variety of bikes—from sport bikes and cruisers to touring bikes and scooters—so you can get the coverage you deserve no matter what you ride.

Get a Free Motorcycle Insurance Quote in Washington

Ready to roam the Pacific Northwest with confidence? Get a free Washington motorcycle insurance quote from GEICO today, or contact our insurance specialists to see how much you could save.