Washington Car Insurance
Taking in the views atop the Space Needle or ferrying to the San Juan Islands? Get covered with Lemonade car insurance in Washington—the smart choice for drivers in the Evergreen State.
How much does car insurance
cost in Washington?
The average estimated cost of Lemonade car insurance in Washington ranges from roughly $728 to $768 per month*. You’ll pay a different price each month; it’s a calculation of the number of miles you drive multiplied by your per-mile price, plus your monthly base price that doesn’t change.
How can I get cheaper car
insurance in Washington?
Lemonade offers Washington drivers loads of opportunities
to help lower your car insurance rates.
Low-mileage savings
Lemonade drivers determine how much they save each month based on how many miles they actually drive.
Bundle discounts
Unlock discounts when you bundle with Lemonade—including car, renters, homeowners, pet, and more.
Savings ahead
Save when you sign up for Lemonade Car before your coverage starts—planning ahead pays!
What’s the best car insurance
in Washington?
Lemonade Car was designed to really shine for safe, low-mileage drivers.
Seamless user experience
Enjoy a smooth ride from quote to claim, with an app that makes managing your policy easy and stress-free.
Super customizable coverage
Choose from flexible coverages and add-ons to build a policy that fits your lifestyle.
Fast claims resolution
File claims in minutes and get reimbursed quickly—right through the app.
What is the minimum car insurance
required in Washington?
To meet Washington car insurance coverage requirements, drivers must carry these coverages and minimum amounts to stay road-legal:
| Required minimum coverages for Washington drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000(per person)/ $50,000 (per accident) |
| Property damage liability | $10,000 |
What additional car insurance coverages
does Lemonade offer in Washington?
Consider adding collision, comprehensive, and uninsured motorist coverage to your policy for better protection.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read moreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read morePersonal injury protection (aka PIP)
Can help pay for things like your medical bills, lost wages, and other related expenses after a car accident. With PIP, your own insurance company covers the medical expenses from a car accident regardless of who is at fault.
Read moreUninsured / underinsured driver bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read moreUninsured / underinsured driver property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read moreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read moreWashington car insurance FAQs
Can I use digital proof of insurance in Washington?
Yes, Washington State allows drivers to present digital proof of insurance on a mobile device. This can be handy during traffic stops or after an accident.
What happens if I don’t have the minimum coverage required by Washington?
If you don’t meet Washington’s minimum coverage requirements, you could face fines of $550 or more. If you’re involved in an accident where you’re at fault, your license could be suspended if you do not pay for the damage or injuries.
What coverage is recommended for drivers in Washington given the weather conditions?
Washington’s weather includes heavy rains and the risk of wildfires, so comprehensive coverage is a smart choice. It helps protect against flood, fire, and wind-related damage.
What are the insurance requirements for new drivers in Washington?
New drivers in Washington must meet the same minimum insurance requirements as other drivers, including the $25,000/$50,000 bodily injury and $10,000 property damage liability limits. It’s crucial for new drivers to make sure they understand their coverage options and maintain continuous insurance.
How can I lower my car insurance premium in Washington?
You can lower your car insurance premium by maintaining a clean driving record (Lemonade drivers in Washington can get the three year safe driving discount), opting for higher deductibles, and considering bundling your car insurance with other types of insurance.
Lemonade offers renters insurance, condo insurance, pet insurance, and life insurance in Washington that you can bundle with a Lemonade car insurance policy, and bundling any combination of our insurance products together will unlock savings.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
*Lemonade Insurance analyzed policy rates to calculate average car premiums as of December 9, 2024 across all applicable states. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances.
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