In the state of Washington you are not required to purchase liability insurance for your motorcycle. As accidents are unpredictable it is a good idea to insure yourself and others, like your home or other valuable assets.

Two-Wheeled Vehicles

Motorcycles, mopeds, scooters and all two-wheeled vehicles don’t have to be insured in this state.

Motorcycle Insurance Requirements

Even though it’s not mandatory, you should still think about buying insurance to protect your other assets in the case of an accident. Here are the minimum amounts of liability insurance for cars, that you might consider when you get insurance for your motorcycle as well:

  • $10,000 for injury or property destruction per accident.
  • $25,000 for bodily injury/death of one person per accident.
  • $50,000 for bodily injury/death of two people per accident.

There are also other types of insurance you can choose from. See the form at the top of the page. In case you opt for insurance, use it to buy coverage for your ride and save money at the same time.

Financial Responsibility

If you choose to insure your two-wheeled vehicle you can do one of the following to establish financial responsibility:

  • Buying liability insurance.
  • Leaving a certificate of deposit of $60,000 or more with the State Treasurer’s office.
  • Having a liability bond of at least $60,000 with a state-approved surety bond company.

Proof of Insurance

If you have purchased coverage for your motorcycle, carry the insurance card with you when riding. All the information you need (policy number, phone numbers, etc.) are included there, in case you need to exchange it with the other party, should an accident happen.


As it was mentioned above motorcycle insurance is not mandatory. So there will be no penalties if you ride your motorcycle without proof of insurance.

Last updated on Thursday, October 15 2020.