Car insurance plays a vital role in ensuring safety and financial protection for Washington drivers. Some key reasons why it’s important include: 

• Vehicle damage from environmental factors: Areas of the state are prone to flooding, tree damage during storms, and even landslides, all of which can harm vehicles. 
• Heavy traffic: Major highways like I-5, I-90, and SR-520 see high traffic volumes, increasing the risk of collisions. 
• Theft and car-related crime: Areas like Seattle and Tacoma see higher rates of vehicle theft and car-related crimes. 

Washington is an “at-fault” state, meaning that the driver who is responsible for an accident is liable for covering damages. The state mandates a minimum level of insurance coverage to help promote accountability and protect drivers on the road. Required minimum coverage includes: 

• Bodily Injury Liability: Coverage for others’ medical costs when you’re at fault. Minimum of $25,000 per person and $50,000 per accident 
• Property Damage Liability: Coverage for others’ vehicles or property when you’re at fault. Minimum $10,000 per accident 
• Personal Injury Protection (PIP): Covers injuries and lost wages if you are injured in a covered accident. Limit of $10,000 per person. 
  • Not required by Washington but typically added to standard policies. Can be rejected but needs to be done so in writing with your agent. 
• Uninsured/Underinsured Motorist (UM/UIM) Coverage: Split into bodily injury and property damage. Coverage for both your vehicle and injuries if the other party doesn't have sufficient insurance. 
  • Not required by Washington but typically added to standard policies. It can be rejected or adjusted, but you must do this with your agent in writing. 

It’s worth repeating that liability only covers the other party. To protect yourself and your vehicle, additional coverage is necessary. 

Given the unique risks drivers face in Washington, expanding beyond the state’s minimum requirements is a smart move. Here are some coverages to consider: 

• Collision Coverage: Helps pay for damages to your vehicle caused by a covered accident based on your deductible. 
• Comprehensive Coverage: Helps pay for non-collision damages to your vehicle caused by a covered accident based on your deductible. 
• Roadside Assistance: Helps pay for the cost of towing your vehicle if it cannot be driven due to an accident or breakdown. 
• Rental Car Reimbursement: Helps pay for the cost of a rental car while your vehicle is being repaired after a covered accident. 
• Increase Liability Limits: Some drivers see the benefit of increasing their liability limits to avoid costly out-of-pocket expenses if they’re found to be at fault. 

Not every driver has the same needs. Goosehead Insurance specializes in creating customized policies for our clients that fit their specific needs, especially if a special type of coverage (like a customized vehicle, for example) is needed. 

In addition to your level of coverage, car insurance premiums in Washington vary widely based on factors such as: 

• Driving history: Drivers with clean records enjoy lower rates, while accidents, tickets, or DUIs can increase premiums substantially. 
• Age and experience: New or young drivers typically pay higher premiums due to their lack of experience on the road. 
• Location: Drivers in urban areas like Seattle or Tacoma usually face higher premiums due to increased traffic and higher rates of theft or vandalism. 
• Vehicle type: The make, model, and year of your vehicle can impact your insurance cost. Luxury or newer vehicles often require higher coverage. 

On average, Washington drivers pay about $600 annually for car insurance with minimum coverage. Those with more coverage on their policy pay an average of about $2,000 annually. 

While insurance is an essential expense, there are several strategies to lower your premiums: 

• Bundle your policies: Combining auto insurance with home or renters insurance often results in discounts. 
• Drive safely: Maintaining a clean driving record is one of the most effective ways to keep your rates low. 
• Look for discounts: Many insurers offer discounts for students, good drivers, military members, or vehicles with advanced safety features. 
• Shop around: Comparing quotes from multiple carriers ensures you’re finding the best rates for your coverage needs. 

At Goosehead Insurance, we help you uncover these savings by comparing options from industry-leading providers. 

Washington drivers trust Goosehead Insurance because we make finding the right policy simple and stress-free. Here’s how we stand out: 

• Customizable Options: We work with a variety of top-rated carriers to find coverage tailored to your unique needs. 
• Expertise You Can Count On: Our specialists are knowledgeable about Washington’s specific driving and insurance requirements, offering clear advice and personalized solutions. 
• Streamlined Process: With Goosehead Insurance, you can easily compare policies, make changes, and secure the coverage you need without hassle. 
• Ongoing Support: We provide continued assistance, from helping with claims to updating your policy as your needs change.