Auto Insurance in Washington

Reliable Coverage for the Roads You Travel Every Day

Whether you’re commuting to work, running errands, or heading out on a weekend road trip, you rely on your car—and you should be able to rely on your coverage, too.



At Strategy Insurance Brokers LLC, we help drivers across Washington find auto insurance that fits their lives, their vehicles, and their budgets. With access to multiple carriers and nearly 50 years of experience, we’ll make sure you’re protected—and never overpaying.

What Does Auto Insurance Cover?

A standard policy includes:

Liability Coverage

Covers injuries or property damage you cause to others while driving.

Collision Coverage

Pays for damage to your own vehicle from accidents, regardless of fault.

Comprehensive Coverage

Covers non-collision damage—like theft, fire, vandalism, or weather events.

Uninsured/Underinsured Motorist

Protects you if you’re hit by a driver who doesn’t have enough (or any) insurance.

Medical Payments (MedPay)

Helps cover medical expenses for you and your passengers after an accident.

Who Needs Auto Insurance?

Anyone who owns or operates a vehicle in Washington is required to carry auto insurance. We insure:


  • Daily Drivers
  • New & Used Vehicle Owners
  • Families with Multiple Drivers
  • Seniors & Retirees
  • College Students
  • Classic Car Owners

Auto Insurance FAQs

  • Is auto insurance required in Washington?

    Yes—state law requires all drivers to carry liability insurance. Additional coverage like collision or comprehensive is optional but strongly recommended.

  • What’s the minimum coverage required?

    Washington requires at least $25,000 in bodily injury per person, $50,000 per accident, and $10,000 in property damage liability. We often recommend higher limits for better protection.

  • Do I need full coverage on a financed car?

    Yes—most lenders require full coverage, which includes both collision and comprehensive, until the loan is paid off.

  • Can I get a discount for bundling auto with home or renters insurance?

    Absolutely—we offer bundling options that can reduce your overall premium while simplifying your policies.

  • Does my auto insurance cover rental cars?

    It depends on your policy. Some personal auto insurance covers rentals, while others don’t. We’ll review your coverage and advise based on your travel habits.

  • What if I have a teen driver?

    We help families find affordable options for young drivers—including safe driver discounts and multi-policy savings.