Is Insurance Required On A Motorcycle 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 (

Do all motorcycles need insurance?

Motorcycle insurance is not only the wise thing to do if you ride a motorcycle in California; it is also the law. All registered motorcycles in California are required to have liability insurance. This means that if a significant accident occurs, motorcyclists can be held liable for personal injury and property damage.

However, motorcyclists should be aware that state-mandated liability insurance does not cover personal injuries or property damage. As a result, bikers may want to obtain supplementary insurance to ensure that they and their passengers are properly protected.

Do motorcycles require liability insurance?

Motorcycle insurance must be obtained separately from a standard vehicle insurance coverage. The insurance that a person has for their conventional passenger vehicle will not protect them if they are involved in a motorcycle accident. All licensed motorbikes in California are required by law to have liability insurance, and anyone caught operating one without it will face the same penalties as someone caught driving without insurance in a car.

Does motorcycle insurance affect car insurance?

Motorcycle insurance is similar to car insurance. Most likely, you’ll just add your motorcycle to your existing auto insurance coverage 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 motorbike insurance prices should remain the same if you do not file a claim on your own coverage. For information, 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.

How much does motorcycle insurance cost?

In the United States, the average cost of motorcycle insurance is $721 per year, although prices can vary by more than 150 percent depending on where you live.

Can I ride a motorbike without insurance?

Yes. Your moped or scooter, like motorbikes, must be insured before you may ride it on UK roads. Furthermore, if you are discovered riding without insurance, you might face a £300 fine, six penalty points, or perhaps being barred from riding your bike entirely.

Which states do not require motorcycle insurance?

  • State rules 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 want 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.

Is insurance cheaper on a motorcycle?

Motorcycle insurance is typically less expensive than vehicle insurance. According to J.D. Power research, the average cost of vehicle insurance is $1,674 per year, whereas the average cost of motorbike insurance is $519 per year.

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 someone was harmed in the collision 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 provide evidence 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.