Washington SR-22 & High-Risk Auto Insurance
Washington requires 25/50/10 liability coverage and is an at-fault state.
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Washington 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 without insurance, repeated violations, or license suspensions typically must file SR-22 proof of financial responsibility with the Washington Department of Licensing. The SR-22 requirement generally lasts 3 years from reinstatement, and any lapse in coverage restarts the clock. High-risk drivers often need non-standard carriers willing to file SR-22 and accept recent violations.
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
- Time since violation: Rates drop significantly after 3 years for most violations; DUI surcharges often phase out after 5 years
- SR-22 filing requirement duration: The 3-year SR-22 period keeps you in non-standard or high-risk tiers even as violations age
- Driving record beyond the primary violation: Additional tickets or accidents during SR-22 period compound surcharges and limit carrier options
- Washington's fault-based accident system: At-fault accidents trigger both rate increases and potential SR-22 requirements if uninsured at the time
Put Your Record Up Against Every Rate
Compare Rates for Your Driving RecordCoverage Types
SR-22 Insurance
Certificate filed by your carrier with the Washington Department of Licensing proving continuous minimum liability coverage. Required for 3 years after DUI, suspension, or uninsured violations; costs $15–$50 to file.
Non-Standard Auto Insurance
Policies from carriers specializing in DUI, suspended license, and violation cases that standard insurers decline. Offers immediate SR-22 filing and flexible underwriting for recent offenses.
Liability Insurance
Covers injuries and property damage you cause to others. Washington's 25/50/10 minimums are low relative to medical costs; serious injury claims routinely exceed $25,000 per person.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient liability limits. Optional in Washington but must be offered by all carriers; you reject in writing.
Full Coverage
Liability plus comprehensive and collision coverage for your own vehicle. Required by lenders if you finance or lease; optional if you own outright.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Subject to deductible (typically $500–$1,000); required by lenders, optional otherwise.