Washington Motorcycle Insurance





Washington is one of only three states in which motorcycle is not mandatory. However, the vast majority of WA motorcyclists opt to insure their bikes with liability coverage at the very least, and many also opt for additional coverage against collision, damage, and uninsured drivers. Why? Because although we all love to ride, we know that operating a motorcycle on a public is a higher risk endeavor than it should be due to bad drivers and hazardous road conditions.

At The Motorcycle Insurance Company, we can help you insure your bike for the lowest price possible. We use web technology to allow you to compare prices and policies between multiple Washington motorcycle insurance companies: online! We are compensated by the insurers themselves for your business, allowing us to offer you this service free of charge.

Washington Motorcycle Insurance Requirements

Under Washington motorcycle insurance laws, your bike does not need to be covered by an insurance policy to be legal on the street. However, if you do have insurance, WA motorcycle laws dictate minimum liability requirements:

  • $25,000: Bodily Injury Liability for Single Individual
  • $50,000: Bodily Injury Liability for All Individuals in Accident
  • $10,000: Liability Coverage Minimum for Property Damage

As you probably know, liability coverage covers you against claims for which you may be legally required to pay damages to third parties. For instance, if you are at fault in an accident and are sued.

Most experts also recommend that you opt for a more comprehensive policy that offers such coverage as:

  • Collision
  • Comprehensive
  • Uninsured Motorist

Which of the above options you select will depend on the value of your bike, as well as your budget. Nearly 1 out of every 5 WA drivers is uninsured – not to mention the number which are underinsured – so Uninsured Motorist coverage is recommended. It will cover you in the event that the driver at fault in accident is not carrying insurance – or enough of it.

Helmet Laws in Washington

Washington motorcycle laws dictate that all riders wear helmets, no matter of age, experience, or the displacement or maximum speed of the vehicle being ridden.

Metro Riding Areas of Washington

We can help riders in any part of the state, not just those searching for:

  • Motorcycle Insurance Seattle, WA
  • Motorcycle Insurance Spokane, WA
  • Motorcycle Insurance Tacoma, WA
  • Motorcycle Insurance Vancouver, WA
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