What liability insurance is included on Washington rental cars?
Verified: 2026-06-08
At a glance
Rentals include state minimum liability ($25k/$50k/$10k) — not full protection for you or the car.
What to know
Tables, fee breakdowns & trip planning — not a raw data dump
Planning your rental
Shuttle & pickup
Terminal Islands 1 & 16 → CONRAC (3150 S 160th St, SeaTac, WA 98188)
| Band | Wait | Note |
|---|---|---|
| Off-peak | 5–8 min | Weekday daytime |
| Peak | 10–15 min | Rush hours |
| Friday PM | 12–18 min | ~6 PM band |
Out-the-door fees
| Kayak base rate | ~$57/day |
| Facility charge (CFC) | $7/day |
| Concession recovery (ACRF) | 11.1% (~$6/day) |
| Est. out-the-door | ~$70/day |
What to expect on your trip
- 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.
Honest heads-up
Know this
Kayak averages hide CFC (~$7/day) and ACRF (11.1%) stacked on base rates. Compare all-in daily cost, not headline $/day.
Know this
Deposit holds are often confused with charges. At CONRAC, holds typically release 5–14 business days after return depending on bank batching.
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