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Washington’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for Washington:

Is it mandatory to have car insurance in Washington? 


What are the minimum limits for Washington? 

$25,000 bodily injury per person 
$50,000 bodily injury per accident 
$10,000 property damage per accident



Dairyland® coverage in Washington

At Dairyland, we’re proud to be able to help drivers in Washington meet their insurance needs. Here are some of the parameters of our insurance coverage in Washington:

What is the maximum bodily injury liability and property damage limit Dairyland offers in Washington?

$100,000 bodily injury per person 
$300,000 bodily injury per accident 
$50,000 property damage per accident



What liability coverages are required to be offered in Washington? Can a customer reject them?

Bodily Injury and Property Damage must be offered and can’t be rejected. Underinsured Motorist Bodily Injury, Underinsured Motorist Property Damage, and Personal Injury Protection must be offered, but they can be rejected with a signature.

What are all the coverages Dairyland offers in Washington?

  • Bodily Injury
  • Property Damage
  • Underinsured Motorist Bodily Injury
  • Underinsured Motorist Property Damage
  • Personal Injury Protection (Customer can’t have both Personal Injury Protection and Medical Payments)
  • Medical Payments (Customer can’t have both Personal Injury Protection and Medical Payments)
  • Accidental Death
  • Comprehensive 
  • Collision
  • Lienholder Deductible
  • Car Loan Protection
  • Rental Reimbursement
  • Towing and Labor
  • Special Equipment

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in Washington?

20 years 

How far back does Washington go to look at violation history?  

3 years

What additional policy types are offered in Washington?

Broad Form, Household Broad Form, Named Non-Owner, and Limited Liability.

Is an insurance score used in my rating in Washington? If so, is it mandatory? 

It’s not mandatory to have a credit scored product, however, if we do, we must order a score on all customers, except foreign operators and drivers under 18.

What policy terms does Dairyland offer in Washington?

6 and 12 months

What is Dairyland’s minimum down payment option in Washington?

20%, can vary by risk

Are SR22s used in Washington?  If so, is there a fee assessed by Dairyland? Is it filed electronically? 

SR22s are available, filed electronically at no charge.

What discounts are available from Dairyland in Washington?

  • Homeowner
  • Defensive driver course
  • Multi-car
  • Paid in full
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