Washington SR-22 & High-Risk Auto Insurance
Washington requires 25/50/10 liability coverage and is an at-fault state.
Get SR-22 Quotes NowWashington at a Glance
25/50/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$75
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Drivers with DUI convictions, license suspensions for excessive violations, driving without insurance, or at-fault accidents while uninsured must file SR-22 proof of financial responsibility with the Washington Department of Licensing. High-risk drivers typically need to carry these minimums continuously for three years without lapse to satisfy SR-22 requirements. State law also requires uninsured motorist coverage at the same limits unless you decline it in writing.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$43/mo
Typical monthly rate in Washington, non-owner policies
Rate data: Insure.com, 2026
What Affects Your Rate
- Time since violation: Rates decrease annually as violations age, with significant drops after 3 and 5 years if no new incidents occur
- Location within Washington: Urban areas like Seattle and Tacoma have higher base rates due to accident frequency and theft, increasing high-risk premiums further
- Vehicle type and value: Non-standard carriers may restrict coverage for high-performance or luxury vehicles, or require higher premiums for comprehensive and collision
- Credit history: Washington allows insurers to use credit-based insurance scores, and poor credit combined with SR-22 status can double premiums compared to drivers with good credit and the same violation
Get Your SR-22 Even Without a Car
Get SR-22 Quotes NowIf your license is suspended
Occupational/Restricted Driver License (ORL); Ignition Interlock Driver License (IIL) for DUI
application fee $100, about 10 days to process.
No state action on a lapse
A lapse is not reported to the state here.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in Washington after a DUI?
Washington requires SR-22 filing for 3 years from the date your license is reinstated after a DUI conviction. The 3-year clock starts only after you've completed all court requirements, paid reinstatement fees, and filed SR-22 proof of insurance with the Department of Licensing. If your insurance lapses at any point during the 3 years, your license is automatically suspended and the 3-year period restarts from your new reinstatement date.
Which insurance companies offer SR-22 in Washington?
Most standard insurers will non-renew your policy after a DUI or major violation, requiring you to move to a non-standard carrier that specializes in high-risk drivers and SR-22 filings. Washington has a limited non-standard market, so your options may be fewer than in larger states, particularly in rural areas. Independent agents who work with multiple non-standard carriers can help you compare options and find the lowest available rate for your specific violation.
Coverage Types
Liability Insurance
Mandatory coverage for injuries and property damage you cause to others. Washington's 25/50/10 minimums are required for SR-22 filing but may leave you financially exposed in serious accidents.
SR-22 Insurance
Certificate proving you maintain continuous liability coverage, filed by your insurer with the Washington DOL. Required for 3 years after DUI, major suspensions, or uninsured accidents.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or insufficient coverage. Washington requires insurers to offer UM/UIM at the same limits as your liability policy.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUIs, major violations, or SR-22 requirements who cannot obtain standard insurance. Non-standard carriers charge higher premiums but provide paths to reinstatement and rate reduction over time.
Collision Coverage
Pays to repair your vehicle after an accident regardless of fault. Optional unless required by lender, and often unavailable or limited for high-risk drivers in their first policy term.
Comprehensive Coverage
Covers non-collision damage from theft, vandalism, weather, and animals. Optional coverage that may be restricted for high-risk profiles depending on violation history and vehicle type.