Washington SR-22 & High-Risk Auto Insurance
Washington requires 25/50/10 liability coverage and is an at-fault state.
Get Quotes Based on Your RecordWashington at a Glance
25/50/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
No
A defensive driving course does not remove points here
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Washington
Drivers convicted of DUI, driving with a suspended license, or causing an uninsured accident typically must file SR-22 proof of financial responsibility with the Washington Department of Licensing. The SR-22 filing requirement generally lasts 3 years from the reinstatement date. Failure to maintain continuous coverage during this period restarts the entire 3-year clock.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Uninsured Motorist Coverage
Full Coverage
What Drivers Pay in Washington
$280–$291/mo
Typical monthly rate in Washington, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Coverage lapses — even a single day without coverage during SR-22 period restarts the 3-year requirement and adds a new lapse surcharge
- Credit-based insurance score — Washington allows insurers to use credit history in underwriting, which can significantly impact non-standard rates
Get a Rate That Matches Your Record Today
Get Quotes Based on Your RecordCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Washington's 25/50/10 minimums are legally sufficient but financially inadequate for serious collisions.
SR-22 Filing
Certificate filed by your insurer with the Washington Department of Licensing proving you carry continuous liability coverage. Required for 3 years after DUI, suspended license violations, or uninsured accidents.
Non-Standard Auto Insurance
High-risk policies written by carriers that specialize in DUI, suspension, lapse, and violation cases. Premiums run $200–$400/mo for liability and often require 25–50% down.
Full Coverage
Liability plus comprehensive and collision to protect your vehicle against theft, weather, vandalism, and crash damage. Required by lenders on financed vehicles.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when hit by a driver with no insurance or insufficient coverage. Washington requires it to be offered; you can reject in writing.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused the crash. Requires a deductible ($500–$1,000 typical).