Washington Auto Insurance Quotes by Phone
Washington drivers have several coverage decisions to consider beyond the state’s minimum liability requirements. Insure Auto Quotes helps Washington drivers begin a phone-based quote search based on their vehicle, budget, location, and coverage needs. Call to connect with a licensed insurance professional and discuss available options.
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Insure Auto Quotes is not an insurance company and does not issue policies or set final rates.
Washington Minimum Auto Insurance Requirements
Washington law generally requires drivers to maintain liability insurance or another accepted form of financial responsibility. A standard personal auto liability policy must provide at least the following coverage:
$25,000
Bodily injury or death of one person in one accident
$50,000
Bodily injury or death of two or more people in one accident
$10,000
Property damage caused in one accident
Washington’s minimum liability limits are commonly described as 25/50/10. These limits may help pay for covered injuries and property damage the insured driver causes to other people, but they do not normally pay to repair the insured driver’s own vehicle.
Drivers may select liability limits above the state minimum. Higher limits can provide additional protection when an accident results in serious injuries, multiple injured people, or expensive vehicle and property damage.
Washington policies must also provide underinsured-motorist protection unless a named insured or spouse rejects the coverage in writing. This coverage may help when an insured person is injured or the insured vehicle is damaged by a driver who has no insurance or insufficient liability coverage.
For current requirements and consumer information, review the Washington State Office of the Insurance Commissioner’s mandatory auto insurance guidance.
Washington Auto Insurance Coverage Options
Washington’s required liability coverage addresses certain injuries and property damage caused to other people. Drivers can also compare optional coverage for their own medical expenses, vehicle damage, and losses involving uninsured or underinsured motorists.
Personal Injury Protection
Washington insurers must offer PIP, although a named insured may reject it in writing. Minimum PIP benefits include $10,000 for medical and hospital expenses, $2,000 for funeral expenses, up to $10,000 in income-continuation benefits limited to $200 per week, and up to $5,000 in loss-of-services benefits limited to $200 per week. PIP can apply regardless of who caused the accident, subject to the policy’s terms.
Underinsured Motorist Coverage
Underinsured-motorist coverage may help protect insured people when an at-fault driver has no insurance or insufficient coverage. It can also address certain hit-and-run or phantom-vehicle accidents. Washington policies include this protection unless it is rejected in writing, although available limits, property-damage coverage, and deductibles should be reviewed carefully.
Collision Coverage
Collision coverage may help pay to repair or replace the insured vehicle after a covered collision with another vehicle or object, or if the vehicle overturns. Washington does not generally require collision coverage, although a lender or leasing company may require it. The selected deductible and the vehicle’s actual cash value can affect how a claim is paid.
Comprehensive Coverage
Comprehensive coverage may help protect an insured vehicle from covered non-collision losses involving theft, vandalism, fire, wildfire, falling objects, severe weather, flooding, or contact with an animal. Washington drivers may want to consider mountain weather, wildfire exposure, and wildlife collisions. The Washington State Department of Transportation estimates that at least 5,000 deer collisions and 200 elk collisions occur each year.
What Affects Washington Car Insurance Rates?
Washington auto insurance quotes can vary because insurers use different approved rating and underwriting methods. The driver’s record, vehicle, location, coverage selections, annual mileage, and claims history can all affect the final quote.
Common Factors Insurers May Consider
- Driving record and claims history
- Location and vehicle storage
- Driver age and experience
- Vehicle type and repair costs
- Coverage limits and deductibles
- Mileage and vehicle use
- Credit-based insurance information where permitted
Washington law allows insurers to consider certain credit-history information when calculating insurance premiums. A credit-based insurance score is only one potential factor, and insurers may evaluate permitted information differently.
The Washington Office of the Insurance Commissioner reviews insurer rate filings but does not establish one statewide price. This is why Washington drivers can receive different premiums and coverage terms for similar requests. Compare the price along with the liability limits, PIP selection, underinsured-motorist protection, deductibles, exclusions, discounts, and payment terms.
How to Compare Washington Auto Insurance Quotes by Phone
Washington policies can involve several coverage decisions, so comparing by phone gives drivers an opportunity to ask about liability limits, PIP, underinsured-motorist protection, physical-damage coverage, deductibles, and available discounts.
1. Share Your Information
Have information ready about the drivers, vehicles, garaging location, annual mileage, current insurance, driving history, and desired protection.
2. Discuss Washington Insurance
Ask about Washington’s minimum liability requirements, higher available limits, PIP, underinsured-motorist coverage, collision, comprehensive coverage, deductibles, and possible discounts.
3. Review the Details
Review the quoted premium, policy term, liability limits, PIP selection, underinsured-motorist protection, deductibles, exclusions, payment options, and proposed coverage start date.
Frequently Asked Questions About Washington Car Insurance
Have a general question? Visit our car insurance FAQ page for more information about coverage, quotes, and the calling process.
Looking for information about another location? Browse our auto insurance guides by state.
Ready to Start Your Auto Insurance Quote Search?
Start your auto insurance quote by calling to connect with a licensed insurance professional.
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