States
Washington minimum car insurance: 25/50/10
At least $25,000 per person, $50,000 per accident and $10,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Washington minimum: 25/50/10 · no-fault or at-fault status not verified
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$95,000
- Total damages: $155,000
- Injury paid by the policy: $50,000 (per-person cap reached)
- Property paid by the policy: $10,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Washington's RCW 46.29.090 sets at least $25,000 for one person, $50,000 for two or more and $10,000 for property. The insurance duty and its proof are in chapter 46.30. Under RCW 46.30.020, failing to provide proof creates a presumption that you have no insurance and is a traffic infraction, with the amount set by the supreme court under RCW 46.63.110, which we did not read. The section includes a way out: if you show the court that you were insured at the time, the charge is dismissed, and the court may charge administrative costs of $25. You may do this before the hearing date rather than appear in person. Proof shown on a phone is allowed, and the officer may view only the proof itself. The $10,000 property line matches Vermont's and Wisconsin's, and it sits well below the $25,000 common elsewhere.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Washington
The figure to watch here is the last one: $10,000 of property cover is thin against the price of one late-model car, whatever the injury limits say.
$25,000 is the most the policy pays for one injured person. $50,000 is the most it pays for everyone hurt in the crash. $10,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $25,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $50,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $10,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Washington.
What else we read for Washington
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Not verified | None read |
| Other required or offered cover | Not verified | None read |
| Penalties | Failure to provide proof is a traffic infraction, with the penalty set by the supreme court under RCW 46.63.110 (RCW 46.30.020). The amount is not in the section we read. | official text |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.