Recommended Auto Liability Coverage in Washington State

Washington's legal minimums:

• Bodily Injury Liability: $25,000 per person / $50,000 per accident
• Property Damage Liability: $10,000 per accident

Why Higher Limits Are Wise

• Minimums haven't kept pace with medical/vehicle costs
• At-fault accidents can exceed $100k+ easily
• Personal assets (home, savings) at risk if underinsured

Recommended Upgrades

• 100/300/100 ($100k BI per person / $300k per accident / $100k PD)
• Umbrella policy: $1M+ excess liability, ~$150–300/yr

Consult an independent agent to tailor coverage to your net worth and risk tolerance.