Washington Motorcycle Insurance
(Quotes, Cost & Coverage)

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WA Motorcycle Insurance

Washington Motorcycle Insurance ⋆ Quotes, Cost & Coverage

To ride a motorcycle on the roads in WA. you need to have Washington motorcycle insurance. That is the law - if you choose to ignore it you will be met with a list of legal violations. It's also common sense to have insurance because of the risks that motorcyclists face on the road.

Washington motorcycle insurance is available in different types of policies, each designed to fit different needs. The cost tends to vary based on factors such as the rider's record (your history with automobiles is considered here as well), the value of the motorcycle, and the place where the rider resides.

There are other things that can affect the premium for riders. For instance, if you have other vehicles covered by the insurer, the company may be willing to offer you a "multi-line" discount when you purchase an insurance policy for your motorcycle. You can reduce your insurance premiums by doing the following:

What Does Washington Motorcycle Insurance Cover?

While there are many optional coverages available, the main parts of a Washington motorcycle insurance policy are:

Liability: Liability insurance is used to cover damage caused by a rider to another vehicle, motorcycle, individual, or property when the accident is proven to be the rider's fault. This policy is regulated by state government law and is required to operate vehicles on paved roads in any part of the country. As a motorcycle owner and rider, your state has in place a few minimum coverage standards that you must meet in order to operate your bike.

Comprehensive and Collision: This coverage is meant for repair and replacement costs of your bike following an accident, without consideration as to who is at fault. The cost of comprehensive and collision coverage is largely influenced by the value of the motorcycle.

Instances of fire, vandalism, theft, and weather damage are covered by comprehensive coverage, while collision coverage is used to fund repairs or replacement when the bike is involved in a collision. When making any modifications to the bike, consider taking additional motorcycle insurance coverage.

Medical Coverage (PIP): In some states insurance companies are required by law to include medical coverage in all motorcycle insurance policies, although the specifics involved in this coverage vary widely. Medical coverage is meant to cover medical bills resulting from an accident regardless of fault, but the amount of money made available in this coverage is usually not very large, which necessitates having health insurance if someone is severely injured.

Underinsured and Uninsured Motorist: Underinsured and uninsured coverage is not typically mandated by law; however it's a cheap and often very smart way to protect a rider against unruly motorists and other riders who may not have sufficient coverage or any insurance coverage at all. Because it's cheaper than the other parts of your insurance policy, uninsured and underinsured motorist coverage is recommended by most road safety authorities.

What Washington Motorcycle Insurance Doesn't Cover

WA motorcycle insurance typically does not cover:

How Much Does Washington Motorcycle Insurance Cost?

How much does motorcycle insurance cost? The average price of bike insurance varies widely based on certain factors. The premiums vary depending on the company and their underwriting rules, and it depends on the coverages and deductible selected. Following are some of the main factors that go into the price of a policy:

What Affects Motorcycle Insurance Costs?

WA Motorcycle Insurance Quotes

Washington Insurance

Request a Washington Motorcycle Insurance quote in Auburn, Bainbridge Island, Bellevue, Bellingham, Bothell, Bremerton, Burien, Camas, Des Moines, Edmonds, Everett, Federal Way, Issaquah, Kenmore, Kennewick, Kent, Kirkland, Lacey, Lake Stevens, Lakewood, Longview, Lynnwood, Maple Valley, Marysville, Mercer Island, Moses Lake, Mount Vernon, Mountlake Terrace, Mukilteo, Oak Harbor, Olympia, Pasco, Port Angeles, Pullman, Puyallup, Redmond, Renton, Richland, Sammamish, SeaTac, Seattle, Shoreline, Spokane Valley, Spokane, Tacoma, Tukwila, University Place, Vancouver, Walla Walla, Wenatchee, Yakima and all other cities in WA.

Washington Insurance Rules & Regulations

In Washington State, there are certain types of insurance that you should be aware of. We will be covering the limits and regulations of insurance within the state. You should be aware of these because if you operate a business, there may be certain types of insurance that you are required to carry. In addition, even if you do not have a business, there may be certain types of insurance regulations that you should familiarize yourself with. We will be taking a close look at insurance regulations for both personal and commercial here.

WA Commercial Insurance

For business liability insurance, what you should be aware of is that Washington does not require businesses to carry business liability insurance in order to operate. Washington is a pure comparative fault state which means that an insurance adjuster must first assess fault and name the adjuster or a court will reduce the award proportionate to the fault of the plaintiff. Businesses may carry business liability insurance in order to protect themselves against these types of claims.

However, Washington does require anyone who employs at least one person full-time or part-time to carry Worker's Compensation insurance to protect them if they are injured on the job. Washington does not require any type of disability insurance for businesses nor do they require commercial vehicles to carry commercial auto insurance.

Washington Personal Insurance

There are two types of personal insurance that you should be aware of. The first is auto insurance requirements. In Washington State, you are required to carry $25,000 per person and $50,000 per accident in bodily injury coverage. You are also required to carry $10,000 in property damage as well as uninsured/underinsured bodily coverage of $25,000 per person and $50,000 per accident.

There are two life insurance regulations to be aware of in Washington State. First, be aware that there is no free look period like there is in most states. If you sign up for life insurance, you are not able to cancel within 10 days in order to get a refund on your policy premium. However, there is a law that requires timely payment on insurance claims in the state of Washington. In fact, the state requires that the beneficiaries account start accruing interest on the day of death. That means that insurance companies will have to pay more for each day that they fail to pay the benefit. There is also a misrepresentation law when it comes to life insurance in Washington.


If you are looking for state specific motorcycle insurance quotes, costs and information: California Motorcycle Insurance, Colorado Motorcycle Insurance, Delaware Motorcycle Insurance, Florida Motorcycle Insurance, Illinois Motorcycle Insurance, Kentucky Motorcycle Insurance, New Jersey Motorcycle Insurance, New York Motorcycle Insurance, Oregon Motorcycle Insurance, Pennsylvania Motorcycle Insurance, Texas Motorcycle Insurance, Washington Motorcycle Insurance.

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