Teen Drive Insurance
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Teen Driver Insurance in Washington (Parents & New Drivers)

Washington requires 25/50/10 liability coverage and is an at-fault state.

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Washington 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

15

Minimum learner's permit age, 50 supervised driving hours

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Washington

For teen drivers, Washington's graduated licensing law includes three stages: a learner's permit (available at 15), an intermediate license with passenger limits and a 1 a.m.–5 a.m. curfew (available at 16 after completing 50 supervised hours), and an unrestricted license at 18. Washington law also requires all insurers doing business in the state to offer a good student discount, making it one of the few states where this discount is mandated rather than optional.

Liability Insurance

Covers injuries and property damage your teen causes to others. Many parents raising limits to 100/300/100 see modest premium increases compared to the financial exposure of carrying only state minimums, especially given that teen drivers have the highest accident rates of any age group.

Uninsured/Underinsured Motorist Coverage

Protects your family if your teen is hit by a driver with no insurance or insufficient coverage. For parents adding a teen driver, UM/UIM coverage is especially valuable because a serious accident involving an uninsured motorist could otherwise leave the family responsible for medical bills and vehicle repairs with no other party to recover from.

Collision Coverage

Pays to repair or replace your teen's vehicle after an accident, regardless of fault. If your teen is driving a newer or financed vehicle, collision coverage is required by the lender and essential for protecting the family's financial stake in the car.

Comprehensive Coverage

Covers non-collision damage to your teen's vehicle: theft, vandalism, weather, animal strikes. Like collision, comprehensive is required if the vehicle is financed. Washington's weather—heavy rain in western counties and winter ice in eastern regions—makes comprehensive coverage a practical choice even for older vehicles in some cases, particularly if the teen is parking on the street in an urban area where theft or vandalism risk is higher.

Full Coverage

Combines liability, collision, and comprehensive into a complete package. For parents adding a teen driver to their policy, full coverage is standard if the teen is driving a vehicle with a loan or lease. Even for a paid-off vehicle, many parents choose full coverage during the first year or two of licensed driving to avoid large out-of-pocket costs if the teen has an at-fault accident—teen drivers aged 16–17 have crash rates roughly three times higher than drivers over 20.

What Drivers Pay in Washington

$250–$393/mo

Typical monthly rate in Washington, adding a driver aged 16–19 to a parent's policy

Rate data: Insurify and ValuePenguin, 2025

What Affects Your Rate

  • Graduated licensing stage: some insurers offer slightly lower rates once a teen moves from intermediate to unrestricted license at 18, reflecting reduced restriction-related risk
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Cover Your New Driver for Less

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Rules for new drivers

Night driving

1am-5am (secondary)

Passengers

no passengers younger than 20 first 6 months, then max 3 (family exempt; secondary)

Source: IIHS and state DMV records, verified July 2026

Coverage Types

Liability Insurance

Covers injuries and property damage your teen causes to others. Washington's 25/50/10 minimum is rarely sufficient for a teen driver—a single injury claim can easily exceed $25,000.

Uninsured/Underinsured Motorist

Protects your family if your teen is hit by a driver with no insurance or insufficient coverage. Approximately 14% of Washington drivers are uninsured.

Collision Coverage

Pays to repair or replace your teen's vehicle after an accident, regardless of fault. Required by lenders if the vehicle is financed or leased.

Comprehensive Coverage

Covers non-collision damage: theft, vandalism, weather, animal strikes. Required by lenders; optional for paid-off vehicles.

Medical Payments (MedPay)

Covers medical expenses for you and your passengers after an accident, regardless of fault. Washington does not require MedPay, but it provides a no-fault source of immediate funds for treatment.

Full Coverage Package

Liability + collision + comprehensive. Standard for financed vehicles; many parents choose full coverage even for paid-off cars during the first one to two years of a teen's driving to avoid large out-of-pocket costs.

Find Your City in Washington

Seattle

urban

Spokane

urban

Tacoma

urban

Vancouver

suburban

Bellevue

suburban

Kent

suburban

Everett

urban

Renton

suburban

Federal Way

suburban

Bellingham

urban

Kirkland

suburban

Redmond

suburban