Car Insurance in Washington State: Coverage, Rates, and Real Local Support

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Auto Insurance Solutions for Drivers Across Washington & Oregon

Finding the right car insurance shouldn’t feel like a guessing game or a one-size-fits-all search. Whether you’re navigating Olympia’s busy streets, passing through Centralia on I-5, or just want reliable coverage for family drives in rural Washington, Phillipps Insurance has you covered. Our independent team compares quotes from leading carriers and explains your options in plain language, so you always know where you stand. Licensed in both Washington and Oregon, we help drivers across the Pacific Northwest protect what matters—quickly and affordably.

What Are the Minimum Auto Insurance Requirements in Washington and Oregon?

Washington Minimum Liability (as of 2024):

  • $25,000 per person for injury
  • $50,000 per accident for injuries
  • $10,000 for property damage

Oregon Minimum Liability:

  • $25,000 per person / $50,000 per accident / $20,000 property damage
  • Plus: $15,000 Personal Injury Protection (PIP) required
  • Uninsured Motorist: $25,000 per person / $50,000 per accident



We explain these requirements for every new policy, so you’re never left wondering what’s covered. If you’re not sure what you need or have questions about state differences, just ask—our agents are licensed and ready to help in both WA and OR.

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Same-Day SR-22 Filings and High-Risk Auto Insurance

Need to reinstate your license after a DUI, accident, or suspended license? Phillipps Insurance offers same-day SR-22 filings for drivers throughout Washington. We specialize in helping high-risk and non-standard drivers get legal, affordable coverage—fast, friendly, and with zero judgment.

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Why Compare Car Insurance With an Independent Agent?

Access to Multiple Top Carriers:

We work with trusted names like Safeco, Progressive, Travelers, and more. You get options—never just one quote.

Experienced Local Advisors:

Our team brings 33+ years of experience helping Washington drivers get the right policy for their needs and budgets.

Coverage for Every Situation:

We help with first cars, families with teen drivers, high-value vehicles, SR-22s, and everything in between.

Discounts and Savings:

Ask about good driver, multi-car, and bundled policy discounts. We’ll help you find every way to save.

Insurance for Real Life in Washington & Oregon

The Pacific Northwest throws a lot at drivers—slick winter roads, deer crossings, mountain passes, and busy city traffic. We advise on everything from full coverage for new vehicles to comprehensive policies for rural roads, and always recommend roadside assistance for longer trips. If you live in Longview, Kelso, or Olympia, you can learn more about the coverage and discounts drivers in your area commonly choose.

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Frequently Asked Questions About Auto Insurance in WA & OR

  • How much auto insurance do I need in Washington?

    The state minimum is 25/50/10, but many drivers choose higher limits for better protection. We’ll review your needs and recommend the right level of coverage for your situation.

  • Can I get insured with a suspended license (SR-22)?

    Yes—Phillipps Insurance can file your SR-22 same-day and help you get back on the road legally, no matter your record.

  • Do you offer discounts for good drivers or multi-car policies?

    Absolutely. We shop for discounts on safe driving, bundling, multi-car, and more to keep your rates as low as possible.

  • What’s the process to get an insurance quote?

    Call us or fill out our online quote request form. We’ll gather some basic info, compare rates from several carriers, and provide your options quickly—usually same day.

  • Does my policy cover me in Oregon if I drive there?

    Yes, most policies include out-of-state coverage, but requirements differ between WA and OR. We’ll walk you through any state-specific details to make sure you’re always protected.