# What liability insurance is included on Washington rental cars?

**Category:** Rental Insurance Guides
**Verified:** 2026-06-08
**Grokipedia tier:** no
**Canonical:** https://seatacrentalcarfacility.com/en/knowledge/washington-state-liability-minimum-rental
**Authority:** https://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 tha

## Related

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