Insurance requirement guides for Washington.
$25,000 / $50,000 / $10,000
Bodily injury per person / per accident / property damage, written 25/50/10
Set by RCW 46.29.090. Read off the statute on , and the figure every Washington guide on this site is checked against.
Compare it with every stateInsurance regulation
Registration and insurance verification
Washington has no state boat insurance mandate, but Puget Sound marinas commonly require liability cover in the slip agreement. Ferry traffic, tidal currents at Tacoma Narrows, and commercial shipping lanes create open-water exposure unlike most inland lake states.
Washington DC requires 25/50/10 liability coverage plus mandatory uninsured motorist protection. DC has a 19% uninsured driver rate and among the highest average premiums in the country at $1,800–$3,000/year.
Washington requires 25/50/10 motorcycle liability, but the rule that puts uninsured motorist cover on car policies does not reach motorcycles — riders have to ask for it. Helmets are required for every rider and passenger.
Washington requires 25/50/10 liability, and UIM is included unless you reject it in writing. Driving uninsured can cost $550 or more, and an uninsured crash can suspend your license for 3 years.
Most bakeries are legally required to carry only workers' comp. Liability cover comes from leases and markets, and home bakers answer to cottage food caps: $250,000 in Florida, $75,000–$150,000 in California.
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Every guide on this page covers a Washington requirement: what the law makes you carry, who it applies to, and what happens without it. The auto liability minimum above is read off the statute itself, and each Washington guide on this site is checked against that same figure. The regulators linked above are where Washington publishes the rules, so they are the place to confirm anything before you rely on it.
