Is Motorcycle Insurance Required In Washington?

motorcycle insurance is a topic of hot debate for many riders. Some people swear by it, while others feel it’s unnecessary and expensive. But is motorcycle insurance required in Washington? The short answer is that there isn’t a definitive answer, as each state has different laws regulating motorcycle insurance. However, it’s generally recommended that you have coverage if you ride a motorcycle. In this blog post, we will explore what motorcycle insurance is and whether or not it’s necessary in Washington. We will also provide some tips on finding the right policy for you and how to pay for it.

Is Motorcycle Insurance Required In Washington?

In Washington, motorcycle insurance is not specifically required, but it is strongly recommended. Helmets are mandatory for all riders under the age of 18, and any rider under the age of 21 must wear a crash helmet that meets current safety standards. In addition, all riders must carry proof of insurance in the event of an accident.

Types of Motorcycle Insurance

Motorcycle insurance is required in Washington, but there are a few exceptions. If you’re a licensed driver and you use your motorcycle as your primary mode of transportation, you don’t need motorcycle insurance. However, if you’re using your motorcycle for leisure or recreation, you’ll likely need some form of coverage.

The most common type of coverage is injury protection. This will pay out if you’re injured while riding your motorcycle. You may also want to consider liability insurance. This coverage will protect you if someone is injured due to something that you did while riding your motorcycle. Finally, make sure to get coverage for property damage. This will cover anything that happens to your bike while it’s in the possession of someone else.

What Does Motorcycle Insurance Cover?

In Washington, motorcycle insurance is not required by law. However, many motorcycle riders choose to purchase coverage for their vehicles in order to protect themselves and their property. Motorcycle coverage can include: Bodily injury liability – This covers you if someone else is injured as a result of your negligence while operating your motorcycle
Property damage liability – This covers you for damages that are caused to other people or property while you are operating your motorcycle
Collision – This coverage pays for damages that are caused when your motorcycle collides with another vehicle
You should also consider purchasing uninsured motorist coverage, which provides protection if someone other than you is involved in a collision while riding your motorcycle without coverage.

How Much Does Motorcycle Insurance Cost?

In Washington, motorcycle insurance is not required by law, but many riders choose to carry coverage. The cost of motorcycle insurance can vary significantly depending on the type of policy you purchase and the amount of coverage you need. The National Highway Traffic Safety Administration (NHTSA) offers a few guidelines for estimating the cost of motorcycle insurance. According to NHTSA, the average cost of comprehensive liability insurance for a full-time professional motorcyclist is $1,063 per year. This figure includes both personal injury protection and property damage liability coverage. Coverage can also vary significantly depending on the state in which you reside. In states that require motorcycle insurance, the minimum requirement is $50,000 in personal injury protection and $200,000 in property damage liability coverage.

Who is Covered by Motorcycle Insurance in Washington?

In Washington, motorcycle insurance is required by law. This means that if you’re operating a motorcycle, you must have coverage from an insurance company. If you’re not registered and licensed with the state, or if your registration has been cancelled or suspended, you cannot operate a motorcycle.

When choosing a motorcycle insurance policy, make sure that it covers you for any type of accident, including those caused by other drivers. In Washington, insurers are required to provide $25,000 in liability coverage for each person riding on your bike in an accident.


In short, motorcycle insurance is not required in Washington. That said, there are a few things you should know if you plan on riding your motorcycle in the state. First and foremost, make sure you have adequate liability insurance to protect yourself and your bike in case of an accident. Second, be aware of traffic laws and abide by them at all times. Third, be sure to have appropriate motorcycle insurance coverage so that you are fully protected in the event of an injury or crash. Fourth, and finally, always wear a helmet when riding a motorcycle!