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Washington Insurance Guide
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Insurance in Washington
Find comprehensive insurance information for Washington (WA) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the West region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Washington (WA) |
| Region | West |
| Population | ~7.8M residents |
| Health Marketplace | Washington Healthplanfinder |
| Insurance Regulator | Washington Department of Insurance |
Health Insurance in Washington
Washington residents can find health coverage through:
- Washington Healthplanfinder - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Washington
Washington has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Washington
Protect your home with coverage tailored to Washington’s specific risks and requirements.
Life Insurance in Washington
Find life insurance options available to Washington residents to protect your family’s financial future.
How Washington Compares
Understanding how Washington stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Washington | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,312 | $1,935 | -32% (near average) |
| Health Insurance (monthly) | $462 | $477 | -3% (below average) |
| Home Insurance (annual) | $1,156 | $2,377 | -51% (well below average) |
| Uninsured Rate | 7.5% | 9.5% | -21% (near average) |
Key Insights
- Homeowners insurance is among the most affordable in the country at #9.
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Washington Office of the Insurance Commissioner (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Washington Healthplanfinder (opens in new tab) - Washington’s official health insurance marketplace
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Washington address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Washington Office of the Insurance Commissioner
- Phone
- 800-562-6900
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Washington?
Washington requires minimum liability coverage of 25/50/10: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage. Personal Injury Protection (PIP) is optional but recommended.
How do I get health insurance in Washington?
Washington has its own state marketplace, Washington Healthplanfinder. Open enrollment runs November through January. Washington expanded Medicaid (Apple Health) and has one of the lower uninsured rates in the nation.
Does Washington homeowners insurance cover earthquake damage?
No, standard homeowners insurance does not cover earthquake damage. Washington has significant earthquake risk, particularly in the Puget Sound region near the Seattle Fault and Cascadia Subduction Zone. Separate earthquake insurance is strongly recommended.
Is flood insurance required in Washington?
Flood insurance is required for properties in FEMA-designated flood zones with federally backed mortgages. Western Washington has flood risk from heavy rainfall and rivers. Flood insurance is recommended even outside designated zones.
What is the average cost of car insurance in Washington?
Washington drivers pay approximately $1,300-$1,500 per year for full coverage auto insurance, which is near the national average. Seattle metro area has higher rates than Eastern Washington.
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[washington] Insurance Types
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Neighboring State Guides
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