Washington motorcycle insurance

Do you have to have motorcycle insurance in Washington state?

Washington motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. It's important to note that liability coverage won't cover damage to your own bike but may pay for injuries and damages you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, to more fully protect your assets.

The state of Washington also mandates uninsured/underinsured motorist bodily injury coverage and uninsured/underinsured property damage coverage, but you may reject or lower these coverages by submitting a signed form if you choose not to carry them.

Do you need comprehensive and collision coverage?

If you're financing or leasing your bike, your lender typically requires comprehensive motorcycle coverage and collision motorcycle coverage. If your bike is paid in full, these coverages may still be a wise option for protecting your investment against physical damage.

Comprehensive may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Washington state?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Washington state with liability coverage only was $148.65.^* Many factors influence your price for motorcycle insurance, including your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

What's the best motorcycle insurance in Washington state?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Seattle, Spokane, Tacoma, or anywhere else in the Evergreen State, the best motorcycle insurance features dependable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Washington state for bikers without sacrificing valuable protection.

You can decrease the cost of motorcycle insurance in Washington with motorcycle insurance discounts, such as:

• Multi-policy discount
• Association discount
• Motorcycle license/endorsement
• Paid in full discount
• Responsible driver discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Washington state

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

• Motorcycle accessory coverage: Can pay for damage to upgrades you've made to your bike and equipment, including chrome pieces, electronics, handlebars, and custom paint and wheels
• Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
• Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
• Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
• Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
• Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Washington