Post SR-22 Insurance
Get a Quote

Post-SR22 Car Insurance Rates in Washington

After completing Washington's 3-year SR-22 filing requirement, drivers typically pay $180–$310/mo for full coverage in the first year post-SR22. Rates drop 15–25% at the 1-year mark and reach near-standard pricing 3–5 years after the violation, but only if you shop—staying with your current carrier often costs $50–$150/mo more.

Washington cityscape and street view

Updated April 2026

Minimum Coverage Requirements in Washington

Washington requires minimum liability coverage of 25/50/10 ($25,000 bodily injury per person, $50,000 per accident, $10,000 property damage). Drivers with DUI convictions, uninsured accidents, or license suspensions due to driving violations typically must file SR-22 proof of insurance with the Washington Department of Licensing for 3 years. If you've recently completed your SR-22 requirement, your rates are still elevated—but they're now declining, and shopping aggressively can accelerate your return to standard pricing.

How Much Does Car Insurance Cost in Washington?

Washington drivers who have completed their SR-22 requirement typically pay $180–$310/mo for full coverage in the first year post-SR22, depending on the original violation and location. DUI-related SR-22s result in the highest premiums, while suspensions for unpaid tickets or lapses result in lower increases. Your rate drops significantly at the 1-year post-SR22 mark (15–25% on average) and continues declining annually—but only if you shop, as many insurers don't automatically re-tier you to reflect improved risk.

Minimum Coverage
Washington's 25/50/10 minimum liability for a post-SR22 driver 1 year out. Rates are highest in Seattle and Tacoma due to density and uninsured motorist rates.
Standard Coverage
50/100/50 liability plus comprehensive with a $1,000 deductible. This is the most common configuration for post-SR22 drivers who own their vehicles and want moderate protection as rates recover.
Full Coverage
100/300/100 liability, comprehensive, and collision with $500 deductibles. Typical for post-SR22 drivers with financed vehicles or higher incomes rebuilding after a DUI or major violation.

What Affects Your Rate

  • Type of violation that triggered SR-22 (DUI adds $1,200–$2,400/year more than a lapse)
  • Time since SR-22 requirement ended (rates drop 15–25% at 1 year, another 10–20% at 2 years)
  • Location (Seattle and Tacoma post-SR22 rates are 20–30% higher than Spokane or Yakima)
  • Current insurer's re-tier schedule (some carriers re-price post-SR22 drivers annually; others don't adjust until you shop)
  • Claims during or after SR-22 period (even one comprehensive claim can delay rate recovery by 1–2 years)
  • Credit score improvement since SR-22 period (Washington allows credit-based insurance scoring, and improving credit can cut post-SR22 rates by 10–15%)

Compare Auto Insurance Rates in Washington

Find Your City in Washington

Seattle, Washington cityscape and street view

Seattle

urban
Spokane, Washington cityscape and street view

Spokane

urban
Tacoma, Washington cityscape and street view

Tacoma

urban
Vancouver, Washington cityscape and street view

Vancouver

suburban
Bellevue, Washington cityscape and street view

Bellevue

suburban
Kent, Washington cityscape and street view

Kent

suburban
Marina with sailboats and motor boats docked under cloudy sky, calm water reflecting the vessels

Everett

urban
Autumn park with red maple trees, fallen leaves on grass, playground and houses in background

Renton

suburban
US Capitol building at sunset with golden lighting on white stone facade and dome against blue sky

Federal Way

suburban
Harbor view with boats, waterfront buildings, and mountains under blue sky taken from pier with railing

Bellingham

urban
Twilight view of residential street with apartment buildings, bare trees, and harbor visible in distance

Kirkland

suburban
Aerial view of basketball court and school building with fenced recreational area and green lawn

Redmond

suburban

Sources

  • Washington Department of Licensing — SR-22 Insurance Requirements
  • Washington Office of the Insurance Commissioner — Minimum Coverage Standards
  • Washington State Legislature RCW 46.29 — Financial Responsibility

Get Your Free Quote in Washington