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Looking for cheap insurance in Washington? Don’t compromise. Let ValChoice help.

ValChoice is the #1 independent insurance comparison website. Our cost calculators help you find the best auto insurance and homeowners insurance companies in Washington. Enter your information below to get insurance quotes and compare car insurance and home insurance companies.

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Washington Insurance Laws and Regulations

The insurance commissioner in the state of Washington is elected by the voters of the state. Being elected by voters makes the commissioner directly accountable to the citizens. This is beneficial to consumers when dissatisfied with the performance of an insurance company.

If you do not receive the service you expect from an insurer, you can file a complaint directly with the Department of Insurance. Washington publishes information on the complaints filed against insurance companies for consumers to consider when shopping for insurance. The state of Washington no longer makes complaint information available to the public. This information is available through the premium version of ValChoice reports.

Important Laws

A summary of the driving safety laws for the state of Washington can be found with this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Washington.

The Washington Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

Washington has minimum auto insurance amounts that are required by law. The table below shows the WA minimum car insurance limits.

Minimum Car Insurance Coverage Required in Washington

Minimum Coverage
Bodily Injury, per person 25,000
Bodily Injury, per accident 50,000
Property Damage 10,000

Resources Available to Consumers

The Washington Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, do not have enough insurance coverage or are the victim of a flood.