Car insurance that fits how you drive.
We compare auto carriers across Washington and build your policy around how you actually drive. If you need an SR-22, we file it for you, usually within 24 hours of your policy starting.
- Liability, full coverage and PIP
- Quotes from several carriers
- SR-22, non-owner and broadform policies
What auto insurance covers, in plain English
Coverage, limits and exclusions vary by carrier and policy. Your policy documents are what decide a claim, and we walk you through them before you buy.
Bodily injury liability
Pays for injuries you cause to other people, and your legal defense if they sue. It never pays for your own injuries. Washington's minimum is $25,000 per person and $50,000 per accident, which a serious crash can easily exceed.
Property damage liability
Pays for the other car, fence or building you damage. The state minimum is $10,000, less than the cost of many cars on the road, so most drivers choose more.
Uninsured / underinsured motorist
Pays for your injuries, and with the property damage option your car, when the at-fault driver has no insurance, too little, or drives off. Carriers must offer it, and you can only turn it down in writing.
Personal injury protection (PIP)
Washington's no-fault medical coverage for you and your passengers, whoever caused the crash. The basic level pays up to $10,000 in medical bills, $10,000 in lost income (up to $200 a week), $5,000 for household help and $2,000 for funeral costs. You can reject it only in writing.
Medical payments
A separate, optional coverage that pays medical and funeral bills for you and your passengers regardless of fault. Unlike PIP, it does not pay lost wages or household help. Some carriers offer it to add on top of PIP.
Collision
Repairs your own car after a crash with another vehicle or an object, whoever was at fault, minus your deductible. Lenders and leasing companies require it.
Comprehensive
Theft, vandalism, fire, falling objects, glass, hitting an animal and weather damage, minus your deductible. Liability plus collision and comprehensive is what people call full coverage.
Broadform
Liability that follows one named driver in any car they drive, including their own, but not other people who drive their car. It has no collision or comprehensive, so it won't satisfy a lender.
SR-22
A form your insurer files with the Washington Department of Licensing to prove you carry liability insurance. Usually required after a DUI, driving uninsured or a license suspension.
Is this you?
- Daily drivers and commuters
- Families and teen drivers
- High-risk drivers
- SR-22 filers
- Financed and leased vehicles
Why Rhino
- Liability, full coverage and PIP
- Quotes from several carriers
- SR-22, non-owner and broadform policies
- Multi-car and bundle discounts where carriers offer them
Have this ready
- Driver's license number for each driver
- VIN or year, make and model of each vehicle
- Your current policy's declarations page, if you have one
- Any tickets, accidents or SR-22 requirement in the last 5 years
Three steps, one agent
- 1
Tell us what you need
Use the form, call or text. It takes a couple of minutes.
- 2
We shop several carriers
You see real prices side by side, not one company's offer.
- 3
You're covered
Pick a plan and we handle the paperwork, ID cards and certificates.
Auto questions
What are Washington's minimum auto insurance limits?
Liability of 25/50/10: $25,000 per person and $50,000 per accident for injuries, and $10,000 for property damage. Carriers must also offer PIP and underinsured motorist coverage. See our guide to Washington minimums.
What is the difference between PIP and medical payments?
PIP is Washington's no-fault coverage. It pays medical bills plus lost income, household help and funeral costs, and carriers must offer it. Medical payments is optional and pays medical and funeral bills only. Some drivers carry both.
Does full coverage mean everything is covered?
No. It usually means liability plus collision and comprehensive. Rental cars, towing, gap coverage and custom equipment are separate options, and every policy has exclusions and deductibles.
Do I need uninsured motorist coverage?
It is optional, but it is often the only coverage that pays for your injuries when the other driver has no insurance or too little. Rejecting it has to be done in writing.
Can I get an SR-22 if I don't own a car?
Yes. A non-owner or broadform policy covers you as the driver, and we can file the SR-22 on either one. See our SR-22 page.
Can I get insured with tickets, an accident or a DUI?
Usually, yes, through carriers that write high-risk drivers. See high-risk auto insurance.
What should I do after an accident?
Get to safety, exchange information and report the claim to your insurance company as soon as you can. Our after-a-crash guide has a checklist.
Ready when you are.
Talk to a licensed agent at (800) 700-9181, Mon–Fri 9am–6pm PT.