Motorcycle drivers must have liability insurance under new law that goes into effect July 28

July 18, 2019

Consider this your 10-day warning, motorcycle drivers. As of July 28, 2019, you will no longer be exempt from Washington state’s mandatory auto insurance law.

Under a bill signed into law earlier this year, motorcycle drivers must obtain liability coverage and carry proof of insurance – long required of other motorists.

If you operate a motorcycle or other vehicle without the required insurance, you could be cited for a traffic infraction and receive a hefty fine. Further, if you’re at fault in a collision and you don’t have insurance, your license may be suspended if you fail to pay the resulting damages and/or injuries.

Operators of motorcycles or other vehicles required to be registered in Washington must act on one of the following four options:

1. Carry liability insurance with liability limits of at least:

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

2. Apply for a certificate of deposit to pay for your liability insurance

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

4. Self-insure if you have 26 or more vehicles

Get details at the Department of Licensing website.

Exceptions to the new law:

  • Motor scooters and mopeds
  • Horseless carriage vehicles over 40 years old
  • State or publicly owned vehicles
  • Common or contract carriers with the Washington Utilities and Transportation Commission

When you drive a vehicle in Washington that is required to be registered in another state, you must have the type of insurance required by that state. You must also be able to provide proof of this insurance to law enforcement if requested.

Find more information at the Office of the Insurance Commissioner website. There, you can browse licensed agents and brokers and check the status of their license.