Is Washington a no-fault state?
No. Washington is an at-fault state. The driver who causes injuries to someone else pays through their bodily injury liability coverage.
Last checked November 9, 2026 · Official sources (5)
How does Washington car insurance work?
“This covers injuries that you, the designated driver or policyholder cause to someone else.”
Washington State Office of the Insurance Commissioner
What is Washington's minimum car insurance?
| Coverage | What Washington requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $10,000 |
| Personal injury protection (PIP) | Insurers must offer PIP. If you don't want it, you must reject it in writing, or it is added to your policy. |
| Uninsured motorist | Underinsured (including uninsured) motorist coverage comes with the policy unless the named insured or spouse rejects it in writing. |
Other at-fault states
Questions
How much insurance does Washington require?
At least $25,000 per person and $50,000 per crash for injuries, and $10,000 for property damage.
What if you were partly at fault in Washington?
Your share of fault lowers your award proportionately, but it does not stop you from recovering.
Hurt in a crash in Washington? Find out if you are owed money.
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See if I’m owed moneySources (5)
- Washington State Office of the Insurance Commissioner, checked 2026-11-09. “This covers injuries that you, the designated driver or policyholder cause to someone else.”
- Washington State Office of the Insurance Commissioner, checked 2026-11-09. “Carry liability insurance with liability limits of at least: $25,000 for injuries or death to another person $50,000 for injuries or death to all other people $10,000 for damage to another person's property”
- Washington State Office of the Insurance Commissioner, checked 2026-11-09. “If you don't want PIP, you must reject it in writing. Otherwise, your auto insurer will add it to your policy and charge you for it.”
- Washington State Legislature, RCW 48.22.030, checked 2026-11-09. “A named insured or spouse may reject, in writing, underinsured coverage for bodily injury or death, or property damage, and the requirements of subsections (2) and (3) of this section shall not apply.”
- Washington State Legislature, RCW 4.22.005, checked 2026-11-09. “any contributory fault chargeable to the claimant diminishes proportionately the amount awarded as compensatory damages for an injury attributable to the claimant's contributory fault, but does not bar recovery.”