Insurance in WA

State-specific guides, common questions, and licensed agencies that cover WA.

Washington insurance regulator

Washington Office of the Insurance Commissioner

The state office that licenses insurers and agents and handles consumer complaints. It can look into problems like claim delays or unfair treatment, but it does not act as your lawyer.

File a complaint Look up an agent or company license

Links checked Sep 12, 2026. Sites change — tell us if a link is broken.

Minimum car insurance in Washington

25/50/10

This is the least coverage the law requires. It often isn’t enough to pay for a serious accident, and anything above your limits can come out of your own pocket.

Bodily injury liability, per person: $25,000
Bodily injury liability, per accident: $50,000
Property damage liability: $10,000
Personal injury protection (PIP): PIP must be offered. It can be rejected in writing.
Uninsured motorist coverage: Insurers must offer it; you can reject it in writing

UIM (which includes UM) matches liability limits unless rejected in writing.

Source: RCW 46.29.090 Motor vehicle liability policy · RCW 46.29.090; RCW 46.30.020; RCW 48.22.030; RCW 48.22.085 · Reviewed Sep 13, 2026