Washington SR-22 Insurance After DUI & Violations
Washington requires 25/50/10 liability coverage and is an at-fault state.
Find Affordable Coverage After SR-22Washington 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
Minimum Coverage Requirements in Washington
Drivers with DUI convictions, license suspensions for multiple violations, or at-fault accidents while uninsured must file SR-22 proof of insurance with the Washington Department of Licensing, typically for 3 years. For drivers completing their SR-22 requirement, these minimums remain the legal floor, but shopping for higher limits and full coverage can unlock better rates from standard carriers now competing for your business.
Liability Insurance
Full Coverage
Uninsured Motorist Coverage
Comprehensive Coverage
SR-22 Insurance
What Drivers Pay in Washington
$248–$329/mo
Typical monthly rate in Washington, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Violation type — DUI convictions carry longer rate impacts (5–7 years) than at-fault accidents (3–5 years)
Your SR-22 Is Over. Your Rate Should Drop Too
Find Affordable Coverage After SR-22If 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
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Washington's 25/50/10 minimums are often insufficient for serious accidents, leaving you personally liable for amounts exceeding policy limits.
Full Coverage
Bundles liability, collision, and comprehensive into one policy. Protects your vehicle and finances from accidents, theft, vandalism, and weather damage.
Uninsured Motorist Coverage
Pays for your injuries and damages when hit by a driver with no insurance or insufficient coverage. Washington requires insurers to offer this at the same limits as your liability policy.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, fire, weather, and animal strikes. Required by lenders if you finance or lease a vehicle.
SR-22 Insurance
A certificate of financial responsibility filed by your insurer with the Washington Department of Licensing proving you carry at least minimum liability coverage. Required for 3 years after certain violations.
Non-Standard Auto Insurance
Policies designed for drivers with violations, accidents, DUIs, or lapses. Non-standard carriers accept higher-risk profiles but charge significantly higher premiums than standard insurers.