Fair car insurance in Washington
From Spokane to Seattle and Tacoma to Forks, good drivers in Washington can get the cheap auto insurance rates they deserve. In fact, good drivers could save hundreds. Download our easy-to-use app and see if your safe driving can save you money on quality coverage.
How it works
Traditional auto insurance companies heavily rely on demographics—how old you are, your credit score, marital status, ZIP code, whether you own a home, etc.—when determining your car insurance rate. While we also take demographics into account when determining the rate we offer you, how safe you are behind the wheel is the #1 factor influencing your rate.
Download the app
Visit the App Store or Google Play. Sign up in less than a minute.
Drive around
We use your smartphone to measure your driving behavior. Better driving = more savings.
Get your quote
You can customize and purchase your policy, all in the Root app.
State requirements in Washington
What are the minimum auto insurance requirements in Washington?
To legally operate a vehicle in Washington, you must carry Liability insurance. If you are found driving without it, you may face fines and suspension of your driver’s license.
Liability coverage
Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It typically does not cover harm to you or your family members (that’s what Personal Injury Protection and Medical Pay coverages are for). It also doesn’t cover your vehicle, but Collision and Comprehensive coverages do—these additional coverages can help you avoid major expenses in the event of an accident.
Minimum required Liability coverage in WA:
$25,000 Bodily Injury (per person)
$50,000 Bodily Injury (per accident – multiple people injured)
$10,000 Property Damage
You can always select higher limits if you’d like more coverage.
What other coverages does Root offer in Washington?
Collision
Rental Car coverage
Personal Injury Protection
Medical Payments
(MedPay)
Comprehensive
(including glass coverage)
Roadside Assistance
The average Washingtonian pays $2,157 [1] per year for their auto policy, but many drivers pay a lot more. Bad drivers often drive up prices for good drivers. Root thinks better drivers deserve better rates. Root customers could save $900 a year—all while enjoying fair and simple car insurance.
Start saving on car insurance
Get a car insurance quote based primarily on how you drive. You could save hundreds.
Insure.com. Annual average rates were compiled in 2023
Additional Resources