Motorcycle drivers need liability insurance by July 28

State law requires liability insurance for
motorcycle drivers after July 28

A new state law takes effect on July 28 that requires all motorcycle drivers to carry liability coverage and to provide proof of insurance.

This is a change to the state’s mandatory liability insurance law that previously exempted motorcycle drivers. 

The new law requires anyone who drives a motor vehicle or motorcycle in Washington state to:

Carry liability insurance with liability limits of at least:

• $25,000 for injuries or death to another person
• $50,000 for injuries or death to all other people
• $10,000 for damage to another person’s property

Apply for a certificate of deposit to pay for your liability insurance with the Department of Licensing 

Have a liability bond of at least $60,000 filed by a surety bond company that’s authorized to do business in Washington.

Self-insure if you have 26 or more vehicles. For more information or to see if you qualify for this option, contact the Department of Licensing.

Motorcycle drivers must also be prepared to show proof that they have liability insurance. Your insurance company will send you a paper card, or have an electronic version of the card online or in an app. If you cannot prove to a law enforcement officer that you have insurance, you can get a ticket.

Find more information about the law change on the state insurance commissioner website.

If you don’t yet have the coverage you need, talk to your agent or broker. You can find licensed agents and brokers and see the status of their license on the insurance commissioner website.