Washington SR-22 Insurance After a Violation
Washington requires 25/50/10 liability coverage and is an at-fault state.
Find Coverage After a Traffic ViolationWashington 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
These minimums apply to all drivers, but if you have a DUI, suspended license, or were caught driving uninsured, Washington's Department of Licensing requires SR-22 filing to prove continuous coverage. The SR-22 requirement typically lasts 3 years from the violation date, and any lapse in coverage restarts the clock.
Liability Insurance
SR-22 Filing
Uninsured/Underinsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
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
- SR-22 duration remaining: some carriers offer slight discounts after the first year of continuous SR-22 filing
See Who Will Insure You After a Ticket
Find Coverage After a Traffic ViolationCoverage Types
SR-22 Insurance
Certificate of financial responsibility filed by your insurer with the Washington Department of Licensing. Required for 3 years after DUI, reckless driving, or driving uninsured.
Non-Standard Auto Insurance
Coverage from insurers specializing in high-risk drivers, including those with DUI convictions, lapses, or multiple violations. Often the only option after a major violation.
Liability Insurance
Covers injuries and property damage you cause to others. Washington's 25/50/10 minimums are legally required but may not cover the full cost of a serious accident.
Full Coverage
Liability, collision, and comprehensive bundled together. Required by lenders if you finance or lease your vehicle.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or insufficient coverage. Not required in Washington, but recommended given the state's uninsured driver rate.
High-Risk Auto Insurance
Coverage designed for drivers with DUI convictions, suspended licenses, multiple violations, or lapses. Focuses on reinstatement and rate recovery rather than denial.