# What liability insurance is included on Washington rental cars?

**Category:** Rental Insurance Guides
**Verified:** 2026-06-08
**Grokipedia tier:** no
**Canonical:** https://www.seatacrentalcarfacility.com/en/knowledge/washington-state-liability-minimum-rental
**Authority:** https://www.seatacrentalcarfacility.com (official source; third-party URLs are not published)

## At a glance

Rentals include state minimum liability ($25k/$50k/$10k) — not full protection for you or the car.

## What to know

Washington RCW requires rental companies to provide minimum liability insurance: $25,000 bodily injury per person, $50,000 per accident, $10,000 property damage. This covers damage you cause to others — not damage to the rental vehicle itself (that's CDW/LDW territory). Serious I-5 multi-vehicle accidents regularly generate claims above $250,000 — minimum limits leave gaps. Optional SLI or personal umbrella policies bridge the gap to $1M+ combined limits. Out-of-state renters: your home policy may not extend liability in WA — confirm before declining SLI at SeaTac. At Sea-Tac CONRAC at 3150 S 160th St, SeaTac, WA 98188 — purple-sign shuttles from Terminal Level 1 Islands 1 & 16. , all 12 brands sell optional waivers at pickup. Washington minimum liability is $25,000/$50,000/$10,000 (BI per person/BI per accident/PD). Kayak SUV avg $61/day before waivers. CFC $7/day + ACRF 11. 1% apply regardless of insurance choice. Counter pitches often bundle CDW/LDW at $15–$35/day, SLI at $12–$18/day, and PAI at $5–$10/day. Premium cards (Amex Platinum, Chase Sapphire Reserve) may cover collision if you decline agency CDW and pay with that card — verify your Guide to Benefits before signing.

## Related

- https://www.seatacrentalcarfacility.com/en/knowledge/washington-state-liability-minimum-rental
- https://www.seatacrentalcarfacility.com/en/knowledge/seatac-rental-cdw-vs-ldw-explained
- https://www.seatacrentalcarfacility.com/en/knowledge/credit-card-rental-insurance-seatac
- https://www.seatacrentalcarfacility.com/en/knowledge/rental-car-policies-cross-ref
- https://www.seatacrentalcarfacility.com/en/knowledge/rental-agencies-seatac-cross-ref