Are You Required To Have Motorcycle Insurance In Washington State?

A Washington state legislation went into effect on July 28, 2019, mandating all motorcycle drivers to have liability insurance and evidence of insurance. They are no longer exempt from our state’s auto insurance requirement (

Does a motorcycle have to be insured?

Almost all states in the United States require motorcycle owners to have insurance and show proof of insurance in order to register their vehicle. Motorcyclists must carry at least $25,000 in bodily injury protection per person and $50,000 per accident in most jurisdictions, as well as $10,000 in property damage coverage.

What insurance is required by law in Washington State?

Before you go on a scenic drive to Mount Rainier National Park or anywhere else in Washington, make sure you have the necessary car insurance for your vehicle, as it is required for all drivers in the state. Washington has gained its reputation thanks to its three national parks and nine national forests. It is, in fact, one of the most visually appealing states in the United States.

You may start your free vehicle insurance quotation with GEICO at any time, whether you’ve recently purchased a car, moved, or are simply seeking for affordable auto insurance in Washington State.

Optional Coverages in Washington

You have the option of adding additional coverages to your auto policy. Collision, comprehensive, rental reimbursement, emergency roadside assistance, and other coverage options are available. Learn more about auto insurance coverages and how to choose the perfect one for you.

Unfortunately, there are drivers on the road who either don’t have enough insurance or don’t have any at all. That’s why, if you’re ever in an accident with an uninsured or underinsured driver, GEICO offers underinsured motorist coverage to assist pay for your injuries and expenditures.

Does motorcycle insurance affect car insurance?

Motorcycle insurance is similar to car insurance. Most likely, you’ll simply add your motorcycle to your existing car insurance policy as an additional vehicle. Although you are not required to do so, most firms offer discounts if you bundle insurance.

1. If you are in a motorcycle accident, your insurance rate will increase. This functions in the same way as if you were driving a car. If you caused the accident and had to file a claim with your insurance carrier for repairs, medical expenses, and liabilities, your rate would be affected.

2. You may be allowed to file a third-party insurance claim if the accident was not your fault. Your motorcycle insurance rates should remain the same if you do not file a claim on your own policy. For specifics, please refer to the details of your individual policy.

3. Your auto coverage may or may not be affected by your motorcycle policy. Typically, the insurance on the wrecked vehicle increases following an accident. Your car insurance should, in theory, be the same, but keep in mind that insurance is all interconnected. Your accident may have an impact on how your insurance company assesses the risks you take or how the various components of your policy interact.

4. Your motorbike and auto insurance agent is the best person to ask about insurance increases and interactions. He or she is knowledgeable with both the company’s and your own regulations and procedures.

5. Consult an attorney if you believe your insurance provider is refusing to help you or is not covering anything they should. Personal injury lawyers deal with insurance companies on a daily basis and are fluent in their language.

Is insurance required in Washington State?

All drivers in Washington must have a minimum level of bodily injury protection, according to state law. This safeguards you against any injuries or property damage you may cause to other motorists. You may want to consider purchasing supplementary insurance depending on your needs.

Do I need motorcycle insurance to buy a motorcycle?

Except for Florida, all states need proof of motorcycle insurance before registering your bike and receiving a license plate. You can buy a motorcycle without insurance, but you’ll need the state’s minimum coverage limits if you want to ride it lawfully. Liability-only coverage is available on 29 percent of Progressive-insured motorcycles, but there are many more benefits to motorcycle insurance that protect more than just your bike – it covers you if you’re at fault in an accident and harm someone or damage their property.

Which states do not require motorcycle insurance?

  • State laws and requirements for permit holders and fully licensed motorcycle drivers are generally the same; if your state requires motorcycle insurance to obtain a motorcycle license or endorsement, you will almost certainly require insurance while you have your permit.
  • At the very least, new riders will require a state-issued driver’s license, which will compel them to have some form of liability insurance.

How much is insurance for a motorcycle?

  • Motorcycle insurance will cost an average of $1,173 per year in 2020 for a full coverage policy.
  • However, the cost of motorcycle insurance will vary depending on the types and amounts of coverage you require. The more coverage you get, the more money you’ll have to pay for insurance.
  • Due to state minimum coverage rules and the length of the riding season, motorcycle insurance differs by state.
  • State premiums will be lower in general in states with harsher winters and shorter riding seasons, such as Vermont, Massachusetts, and the Dakotas, than in states with milder winters, such as Arizona and Georgia.
  • Check out Savvy, a free tool that allows you to compare car insurance quotes in minutes».

Can you drive without insurance in Washington?

  • I don’t have car insurance. I was involved in a car accident. How can I have my driver’s license reinstated?
  • What if the other driver wins a lawsuit and the Department of Labor suspends my license?


You must have auto insurance or other proof of financial responsibility if you drive a vehicle that is needed to be registered in Washington State.

You could face a fine of $550 or more if you drive your automobile without the required insurance. If you are at fault in a car accident and do not have insurance, your driver license may be suspended if you do not pay for the damages and/or injuries that result. See the Department of Licensing’s Failure to Pay Accident Damages: Financial Responsibility Law.

I have no auto insurance.I was in an accident. How do I stop the suspension of my driver license?

If anyone was injured in the accident or at least $1,000 in property damage was caused, the Department of Licensing (DOL) could suspend your license. WAC 446-85-010; RCW 46.52.030

If the Department of Labor determines, within 180 days of the accident, that you may be held liable for the damages, it will send you a suspension notice. The notice will read as follows:

1. Make a security deposit and purchase future insurance.

You can deposit the amount DOL estimates you owe as a result of the accident with DOL and show proof of insurance.

46.29.070 &.250 RCW

Proof of insurance is provided by an SR-22 certificate.

  • The amount you must deposit is specified in the suspension notice. For forms and information on how to deposit security, contact the Department of Labor. If no one sues you within three years of the accident, DOL will refund your deposit.

2. You can give DOL a signed written statement freeing you from liability (blame) for the accident. The list of those who must make this statement is included in the suspension notice’s Contact List.

3. Come to an arrangement in writing with the other parties involved in the accident.

The agreement must be signed by you and everyone else on the Contact List.

Make a copy for the Department of Labor.

46.29.140 RCW

Do you have to have insurance on a dirt bike?

By all accounts, a dirt bike is a motorbike, and all motorcycles require insurance. Dirt bikes, on the other hand, are used on off-road terrain. Off-road dirt motorcycles aren’t even legal on city streets. Accidents happen in both directions, and unless specifically stated, your auto insurance or homeowners policy will not cover your bike or yourself.