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Washington’s minimum car insurance requirement is liability coverage of $25,000 for injury or death of one person, $50,000 for injury or death of two or more people, and $10,000 for property damage in one accident (often written 25\/50\/10), under RCW 46.29.090<\/a>.<\/strong> That is the legal floor for Wenatchee, East Wenatchee, Chelan, Leavenworth and every other Washington driver. Whether the minimum is enough for you depends on what you own, who rides with you and what you could be asked to pay after a serious crash.<\/p>\n By the team at Blue Horizon Insurance & Financial Services<\/a>, an independent local agency at 12 S Wenatchee Ave, Wenatchee.<\/em><\/p>\n Want to see what higher limits would look like on your car?<\/strong> We shop many insurance companies for you. Start here:<\/p>\n https:\/\/www.bhifs.com\/insurance-quotes.html<\/a><\/p>\n Or call 509-293-7500.<\/p>\n The state minimum is liability only<\/strong>. It pays other people when you are legally responsible for a crash. It does not pay to fix or replace your own car, and it does not pay your own medical bills.<\/p>\n Washington also accepts a few alternatives to a policy, such as a certificate of deposit or a self-insurance certificate, described in RCW 46.30.020<\/a>. Most drivers simply carry a policy. Driving without proof of insurance is a traffic infraction under that same law, and you must show proof when an officer asks. A phone screen showing your ID card counts.<\/p>\n Beyond the required liability, Washington law makes insurers offer two more coverages. You can turn them down, but only in writing.<\/p>\n PIP helps pay medical expenses and certain other losses for you and your passengers regardless of who caused the crash. Under RCW 48.22.085<\/a>, a new or renewing auto policy must offer PIP, and a named insured may reject it in writing. A rejection applies to everyone who would have been covered.<\/p>\n UIM helps when the other driver has no insurance, too little insurance, or drives off (hit-and-run). RCW 48.22.030<\/a> requires insurers to include it unless the named insured or spouse rejects it in writing. Once rejected, it stays off renewals until you ask for it back in writing.<\/p>\n If you have ever signed a rejection form and don’t remember it, your declarations page will show whether PIP and UIM are on your policy today. The Washington Insurance Commissioner<\/a> also has plain-language auto insurance guides.<\/p>\n For many households it is not, and here is why, in plain numbers that come straight from the limits above:<\/p>\n Whether higher limits make sense for you is a personal decision that depends on your situation and your policy terms. Our job is to show you the options side by side so you can choose.<\/p>\n A few questions come up again and again at our Wenatchee office:<\/p>\n Here is a simple way to think about it before you talk to an agent:<\/p>\n For more on how liability works, read Liability Coverage in Auto Insurance: What It Covers<\/a>. If you’re wondering whether higher limits or an umbrella fits better, see Umbrella vs. Higher Auto or Home Limits<\/a>.<\/p>\n Blue Horizon Insurance is an independent agency. We are not the insurance company. We shop many insurance companies for you and explain the differences in plain English. We have been a Ramsey Trusted provider (a Dave Ramsey endorsed local provider) for more than 10 years, and we serve drivers across Chelan and Douglas Counties, the Wenatchee Valley and throughout Washington. Learn more on our auto insurance page<\/a>.<\/p>\n $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage (RCW 46.29.090<\/a>).<\/p>\n Insurers must offer PIP. You can reject it, but only in writing (RCW 48.22.085<\/a>).<\/p>\n It is included unless a named insured or spouse rejects it in writing (RCW 48.22.030<\/a>).<\/p>\n No. Minimum liability pays others. Damage to your own car needs collision and\/or comprehensive coverage. Coverage always depends on your policy terms.<\/p>\n Failing to provide proof of insurance is a traffic infraction in Washington (RCW 46.30.020<\/a>).<\/p>\n We’ll review your current limits and shop many insurance companies to show you options. No pressure, and you decide.<\/p>\nWhat does Washington’s minimum car insurance actually cover?<\/h2>\n
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What coverages must an insurance company offer you in Washington?<\/h2>\n
Personal injury protection (PIP)<\/h3>\n
Underinsured motorist (UIM) coverage<\/h3>\n
Is the Washington minimum enough?<\/h2>\n
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What do Wenatchee Valley drivers ask us most about minimum coverage?<\/h2>\n
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How do you choose limits above the minimum?<\/h2>\n
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Why use a local independent agency for this?<\/h2>\n
FAQ: Washington minimum car insurance<\/h2>\n
What are the minimum liability limits in Washington?<\/h3>\n
Is PIP required in Washington?<\/h3>\n
Is underinsured motorist coverage required?<\/h3>\n
Does minimum coverage pay to fix my own car?<\/h3>\n
What happens if I’m caught driving without insurance?<\/h3>\n
Compare your options with a local agent<\/h2>\n