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Multi-Car Policy Structure
A multi-car policy in Washington puts two or more owned vehicles on a single policy, each carrying at least the state's 25/50/10 liability minimum. Each vehicle can carry its own coverage level—liability only or full coverage—while the entire policy earns the multi-car discount.
Liability Insurance Per Vehicle
Every vehicle on a Washington multi-car policy must carry the state's 25/50/10 liability minimum. You can raise limits on individual vehicles—one at 25/50/10, another at 100/300/100—without affecting the other vehicles on the policy.
Adding a Vehicle to the Policy
Adding a vehicle to a Washington multi-car policy mid-term re-rates the entire policy from the addition date forward. The new vehicle must meet the state's 25/50/10 minimum, and the multi-car discount adjusts to reflect the additional vehicle.
Uninsured Motorist Coverage
Washington does not require uninsured motorist coverage, but with 19.1% of motorists uninsured, carriers recommend adding it to multi-car policies. You can add it to all vehicles or just the higher-value ones.
Full Coverage on Select Vehicles
Full coverage on a Washington multi-car policy means liability plus collision and comprehensive on the vehicles you choose. One financed car can carry full coverage while an older paid-off car carries liability only, and both remain on the same policy earning the multi-car discount.
Combining Household Policies
Combining two separate Washington policies into one multi-car policy after marriage or a household member moving in earns the multi-car discount across all vehicles. The combined policy requires the same garaging address and one renewal date.
