Quick Answer
Washington is a tort state with minimum liability of $25k/$50k/$10k. Puget Sound submarine and surface warfare sailors should note that ferry commutes and remote island housing (Whidbey Island) affect auto usage patterns and renters insurance needs.
Washington State Navy Bases
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Naval Base Kitsap
Bremerton + Bangor. Submarine base.
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NAS Whidbey Island
P-8 and EA-18G community
Washington State Auto Insurance
Washington is a tort (fault-based) state:
| Coverage Type | Washington Minimum | Recommended |
|---|---|---|
| Bodily Injury (per person) | $25,000 | $100,000+ |
| Bodily Injury (per accident) | $50,000 | $300,000+ |
| Property Damage | $10,000 | $100,000+ |
| Uninsured Motorist | Optional | Recommended |
Puget Sound: Unique Insurance Considerations
- Ferry commutes: If you commute via Washington State Ferries, your vehicle may spend significant time waiting in line - consider comprehensive coverage for vehicle vandalism
- Whidbey Island: Island access via Deception Pass Bridge or ferry. If you live on-island, getting repair quotes after an accident may be slower due to island access
- Flood risk: Some areas of Bremerton and around Bangor have elevated flood exposure. FEMA flood maps should be checked for off-base rentals.
- Earthquake: Pacific Northwest is in a seismic zone. Earthquake insurance (separate policy) worth considering for homeowners.
Submarine Service Insurance Notes
Naval Base Kitsap Bangor is home to Ohio-class submarines. Submariners have specific insurance considerations:
- Long underway periods (60-70+ days) are similar to deployment - consider storage coverage for undriven vehicles
- SGLI covers submarine duty fully - no exclusions for underwater operations
- Submarine duty may include hazardous duty pay that increases income replacement needs
- FSGLI enrollment is especially important for submarine families during long underways