Washington Car Insurance

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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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Save with the AARP Auto and Homeowners Insurance Program from The Hartford.
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.

Car Insurance for Washington Drivers

Washington drivers, if you want to request a car insurance quote or learn more about buying car insurance in the state of Washington, you’ve come to the right place! The AARP® Auto Insurance Program from The Hartford1 has been insuring Washington AARP members and their families since 1984, with car insurance coverage that has earned us a reputation for integrity and trust.

From stunning coastline vistas to towering mountain views, there’s so much to see and do in the state of Washington. As you travel from the beaches of the Pacific coast to the world-class vineyards of wine country, you want to be sure that you’re protected on the road by reliable car insurance. With high customer ratings for claims services, you can trust car insurance coverage from The Hartford to be there when you need it most.

Car Insurance Benefits Offered to Washington Drivers

Below are just some of the benefits that Washington drivers could receive from the AARP Auto Insurance Program from The Hartford. These car insurance benefits include:
  • 12-month Rate Protection
  • Lifetime Renewability
  • New Car Replacement§§
  • Accident Forgiveness
  • Disappearing Deductible
  • 24/7 Claim Service

Required Car Insurance Coverages in Washington

State law in Washington requires drivers to carry liability car insurance coverage in the following amounts:2
  • $25,000 for bodily injury, per person per accident
  • $50,000 for bodily injury, total per accident
  • $10,000 for property damage per accident

Proof of Car Insurance in Washington

Washington drivers should keep a copy of their car insurance ID card and registration in their car at all times. Electronic proof of car insurance is also acceptable in the state of Washington and with The Hartford’s mobile app, customers can store their ID cards on their mobile device. Visit the App Store™ or Google Play™ for more information.

Washington Uninsured Driver Facts

According to a 2012 Insurance Research Council report, 16.1 percent of Washington drivers don’t have car insurance. Washington is well above the national average of 12.6% of drivers who are without car insurance.3

Although underinsured motorist coverage is optional in Washington, it can help protect you from financial loss in the event that you are involved in an accident with a motorist who doesn’t have car insurance. 

Additional Car Insurance Coverages Available to Washington Drivers

For added protection, Washington drivers may also be eligible for the following coverages from The AARP Auto Insurance Program from The Hartford. These car insurance coverage options include:
  • Comprehensive
  • Collision
  • Roadside Assistance
  • Rental Reimbursement
  • Medical Payments
  • Uninsured/Underinsured Motorists Coverage

Beyond Car Insurance: Staying Safe on Washington Roads

As you travel through Washington, there are a number of safe driving laws meant to protect you on Washington’s highways and byways. Here are just a few:4

Washington Seat Belt Laws:

The State of Washington is one of many states that have a mandatory seat belt law, which means that law enforcement can ticket a driver or passenger for not wearing a seat belt without any other traffic violation. 

Washington Distracted Driving Laws:

Washington has a number of laws in place to discourage distracted driving:
  • Hand-held cell phones are banned for all drivers in the State of Washington.
  • New drivers are not allowed to use hand-held or hands-free cell phones.
  • Texting while driving is banned in the State of Washington.

Washington Teen Driver Laws:

Getting a driver’s license is a rite of passage for all teenagers, and Washington wants to be sure they stay safe in the process! Washington has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
If you are age 50 or older, once you’re insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile (not applicable in MA), have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation. Benefit currently not available in HI, MI, NH, NC and TX.
§§ Limitations apply.
First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. (Call for details.) To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. First Accident Forgiveness and Disappearing Deductible are not available to CA policyholders. To qualify for the Disappearing Collision Deductible benefit in most states, all drivers on the policy must have a clean driving record for three consecutive years. NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. The Advantage Plus package option, the Disappearing Deductible benefit and the Accident Forgiveness benefit are not available in all states.
‡‡ One Deductible applies for any Home policy (Home Advantage or not) if Auto policy is also insured with The Hartford and includes the Advantage Plus package coverage.
Additional disclosures below.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.