WA · educational prototype
Washington minimum auto liability
Commonly cited minimum
25/50/10 (commonly cited—verify with Washington OIC)
Notation is educational (BI per person / BI per accident / PD). Exact wording and required extras vary—confirm before you buy.
What this means
Washington State auto insurance minimums are often cited as 25/50/10 with relatively low property damage compared with bodily injury buckets. Seattle-area repair costs and medical bills can exceed minimums quickly. Verify current requirements with the Office of the Insurance Commissioner.
Verify the source
Cross-check current requirements with the official regulator: Washington Office of the Insurance Commissioner (OIC). PolicyPlain does not publish bindable legal advice.
National orientation: NAIC consumer resources and Insurance Information Institute.
PIP optional history
Washington consumers may be offered personal injury protection or related first-party coverages depending on product filing—options and defaults change with reforms. Read the declarations page for PIP limits and coordination with health insurance rather than assuming another state’s PIP rules apply.
UM / UIM
Uninsured and underinsured motorist coverage addresses gaps when the at-fault party cannot pay full damages. Document any waiver if you decline coverage. OIC publishes plain-language comparisons of coverage types—use those alongside your quote.
Minimum ≠ enough
State minimums set a legal floor. Serious injuries and modern vehicle values often exceed those floors. Use our auto coverage planner to think through limits educationally.
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