Whether you’re cruising to Cafe Allegro to enjoy an espresso while you work on your screenplay, or heading to Rattlesnake Lake for a scenic day hike—you always want to drive with confidence in the Evergreen State.
That’s where Lemonade car insurance comes in.
We offer top-of-the-line coverage, and price your policy based on how many miles you actually drive.
Lemonade Car’s pay per mile program in Washington was built on 3 billion miles of driving data, and designed to really shine for low-mileage, safe, and environmentally conscious drivers.
Plus, pay per mile policies offer the same standard insurance coverage options and add-ons as traditional car insurance programs.
Read below to get the full scoop on the coverages offered and required in Washington. Or you can just go ahead and apply for your policy with Lemonade Car. It’s fast, easy, and even kind of fun!
Here’s what we’ll be discussing:
- Required car insurance coverages in Washington
- Washington coverages that are great to have
- Lemonade extras that are great to have in Washington
- The cost of car insurance in Washington
Required car insurance coverages in Washington
To comply with Washington’s car insurance coverage requirements, Washington drivers need the following coverages and minimum coverage amounts:
|Required minimum coverages for Washington drivers
|Minimum coverage amount required
|Bodily injury liability coverage
|Property damage liability coverage
Every state has different rules and regulations pertaining to auto insurance. In Washington, you’re required to carry the coverages we’ll discuss in more detail below (although in certain cases you can opt out of coverages if you really don’t want them).
Just a refresher: A “limit” in regards to your car insurance policy refers to the maximum amount your insurer would pay out on a certain type of a covered claim.
For example, Washington drivers are required to have a minimum limit of $25,000/$50,000 of bodily injury liability coverage. That means that for third party claims your car insurance company could pay out a maximum of $25,000 of bodily injury coverage per person, and $50,000 of bodily injury coverage in total (for all of the people injured in an accident.)
Liability insurance coverage
If you’re a law-abiding driver, you’re required in most states to have at least some liability coverage to be on the road.
Liability insurance coverage is broken down into two parts: bodily injury and property damage. Note that both parts apply to damage to other people and their vehicles, not to yourself or your own car.
- Bodily injury liability coverage. If you accidentally injure someone else, this type of coverage can help cover their medical bills
- Property damage liability coverage. If you damage someone’s car or personal property, this type of coverage can cover the cost to repair or replace what was damaged
Lemonade Car offers several options for bodily injury liability coverage. The lowest option (and the minimum coverage amount required by Washington law) is $25,000/$50,000. From there, you could choose $50,000/$100,000, $100,000/$300,000, or $250,000/$500,000.
For property damage liability coverage, Lemonade Car offers coverage starting at $10,000 (the minimum coverage required by Washington law), and can increase your coverage limits to $25,000, $50,000, or $100,000.
Great coverages to have in Washington
While Washington law doesn’t mandate the following coverage options, you’ll want to consider them for true peace-of-mind while on the road.
Uninsured/underinsured driver bodily injury coverage (UMBI)
Not everyone follows the rules, or gets sufficient liability coverage to foot all of the medical expenses if they injure you in an accident. So what if you’re involved in a crash with someone who has insufficient insurance, or no insurance at all? That’s where uninsured motorist coverage comes in.
Uninsured/underinsured driver bodily injury coverage (UMBI) can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Lemonade Car offers several options for uninsured/underinsured motorist bodily injury coverage: $25,000/$50,000, $50,000/$100,000, $100,000/$300,000, or $250,000/$500,000.
The state of Washington allows you to select a UMBI coverage limit up to your selected bodily injury liability coverage limit. You can choose to not have this coverage at all, or to select a coverage limit that’s lower than your bodily injury liability coverage, if you sign a certain form. Once you’ve set up your policy, you can seamlessly make the changes and sign the necessary form digitally, all on the Lemonade app.
Uninsured/underinsured driver property damage coverage (UMPD)
If you get into a car accident with an uninsured driver, or with a driver who doesn’t have enough property damage liability coverage, or you’re the victim of a hit and run, this type of coverage can cover the costs of repairing your vehicle.
Lemonade Car offers uninsured/underinsured driver property damage coverage of $10,000 per policy.
The state of Washington allows you to opt for UMPD coverage or to choose not to have this coverage at all. Should you opt not to have this coverage you will be asked to sign a form. Once you’ve set up your policy, you can seamlessly make the changes and sign the necessary form digitally, all on the Lemonade app.
Keep in mind: Lemonade Car drivers who want UMPD coverage must also carry UMBI on their policy.
Also known as “act of god” coverage, comprehensive insurance coverage helps pay to fix damage to your car (or possibly replace the car entirely if it’s a total loss) following a covered incident that wasn’t a car accident.
That means if your car is stolen, vandalized, or has an unexpected rendezvous with an animal, comprehensive coverage can kick in to repair or replace your car. It’ll also come in handy if a storm causes a tree to fall on your Tesla, for instance.
Lemonade Car offers comprehensive coverage with deductibles of $250, $500, $1,000, or $2,000.
Lemonade will pay up to the actual cash value of your car following a covered incident.
If you lease or finance your car, comprehensive coverage will probably be required from your lessor or lender.
Collision coverage helps pay to repair or replace your own car if it’s damaged in a covered accident with another vehicle or object, especially if you’re the one who caused the accident.
If you’re technically at fault for the damages to your car in the case of a covered accident, your collision coverage will kick in for repairs on covered claims and get you back on the road.
Lemonade Car offers collision coverage with deductibles of $250, $500, $1,000, or $2,000.
Lemonade will pay up to the actual cash value of your car following a covered incident.
If you lease or finance your car, collision coverage will probably be required from your lessor or lender. Lemonade Car drivers who want collision coverage must also carry comprehensive coverage on their policy.
Personal Injury Protection (PIP)
If you or other passengers in your car get hurt in a covered car accident, this coverage comes into play, regardless of who was at fault. Imagine that you drove off the side of the road and hit a tree. You end up breaking your wrist, and require an X-ray and a cast. Some of your medical costs could be covered by personal injury protection (PIP).
PIP can provide coverage for some medical expenses, including, but not limited to:
- Ambulance fees after an accident
- X-rays, surgeries, or prostheses
- Health insurance co-pays
- Doctors and hospital visits
- A percentage of your lost wages as a result of your injuries
- Childcare or house cleaning expenses
- Nursing services
- Funeral services
Lemonade Car offers Washington drivers PIP coverage with limits per person of either $10,000 or $35,000.
We will automatically include PIP with a minimum limit of $10,000 when you get a quote, but you can increase the limits of this coverage (or reject it entirely) if you want to.
The state of Washington allows you to remove this coverage if you sign a waiver. Once you’ve set up your policy, you can seamlessly decline the coverage offered and sign the necessary form digitally on the Lemonade app.
Lemonade Car extras that are great to have
Want to really be cruising with confidence? Round out your Lemonade Car policy in Washington with some of the following coverages.
Roadside assistance provides towing and other emergency roadside services like lockout services, flat tire replacement, jumpstarts for dead batteries, fuel delivery, and winching and battery service if your car breaks down.
With Lemonade Car, roadside assistance is an optional coverage that you can include for each car on your policy. For each car that you cover with roadside assistance on your policy, you’ll be eligible for up to 3 complimentary services during your 6-month policy term.
Just make sure to download the Lemonade app. That way you can request roadside assistance—and we can send help—in a flash.
Temporary transportation coverage
If you need alternative transportation while your car is being repaired after a covered incident, most insurers only offer the option of a rental car.
But Lemonade works differently, and will cover almost any type of transportation for up to a month while you’re waiting for your car in the shop. This includes Uber, Lyft, rental car expenses, or even public transportation like buses or Citi Bikes, up to your daily limit. (But we wouldn’t, for example, reimburse your sibling for voluntarily driving you around in their car, or if your roommate lets you borrow their car, while your car is in the shop.)
If you have both collision and comprehensive coverage on your car, you’ll get the option of selecting temporary transportation coverage for your car as well.
With Lemonade Car, if you choose to get temporary transportation coverage, you can sign up for a $30, $40, or $50 daily limit (for up to 30 days).
How much does Lemonade Car insurance cost in Washington?
Well, that depends.
Lemonade offers car insurance you can customize, because you deserve a policy that feels just right—and fits your budget.
When you buy a policy with Lemonade Car in Washington, each month you’ll pay a different price; it’s a calculation of the number of miles you drive multiplied by your per-mile price, plus your monthly base price that doesn’t change.
That means that you determine how much you save each month based on how many miles you actually drive (cha-ching).
Wondering how we determine your mileage—and your car insurance premium—with precision? Here’s how it works: When you buy a policy, we’ll send you a device that you’ll need to plug into your car’s OBD-II port.
The device uses location-based technology which lets us track your mileage down to the foot.
Learn more about the cost of Lemonade car insurance.
Apply now to get car insurance quotes in Washington.
Before we go…
Washington drivers, we’re excited for you to take Lemonade Car for a spin.
If you’re looking to dive deeper into Lemonade car insurance, go ahead and…
- Learn how location-based technology is changing Lemonade’s coverage game
- Get the basics and beyond of what car insurance covers
- Take a closer look at exactly what makes Lemonade Car different
- Check out how you can lower your car insurance rates by bundling Lemonade policies. We also offer Renters, Pet, and Life Insurance.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.