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California vs Washington

Bottom line

California requires more property-damage coverage than Washington ($15,000 vs $10,000). Both require an SR-22 filing for certain violations. California generally has lower license-reinstatement costs.

Official government sources Last verified June 2026 36 fields reviewed Source links on every value

Important differences between California and Washington

The differences drivers should know.

Bodily injury / person
California$30,000
Washington$25,000
California requires higher bodily-injury coverage.
Bodily injury / accident
California$60,000
Washington$50,000
California requires higher bodily-injury coverage.
Property damage
California$15,000
Washington$10,000
California requires more property-damage coverage.
UM/UIM requirement
California30/60
WashingtonOffer-and-reject. RCW 48.22.030 requires every liability policy to include UIM coverage — which…
Filing duration
California3 years of continuous SR-22 filing
Washington3 years
Clock starts from
CaliforniaSuspension/reinstatement-based
WashingtonFrom the date proof was required (RCW 46.29.600(1)(a)) — not the reinstatement date and not the…
License reinstatement
California$55 standard reissue; $125 Admin Per Se (DUI) reissue; $15 DMV admin; $100 under-21 Zero Tolerance
Washington$75 standard / $170 for DUI or implied-consent reinstatement
California costs less to reinstate.
Registration reinstatement
California$14 (separate fee, for a no-insurance registration suspension)
WashingtonN/A
No-insurance, first offense
California$100-$200 base fine on a first conviction, plus penalty assessments — a civil infraction under CA Veh.…
WashingtonTraffic infraction (not a crime) — monetary penalty set by the Washington Supreme Court penalty…
No-insurance, repeat offense
California$200-$500 for a subsequent conviction within three years, plus penalty assessments — civil infraction…
WashingtonSame as first — RCW 46.30.020 sets no first/subsequent distinction; driving uninsured is a single-tier…
DUI suspension
CaliforniaAPS suspension: 4 months (1st); 1 year (2nd within 10 yrs). Refusal: 1 yr / 2 yr revoke / 3 yr revoke.…
Washingtontwo parallel tracks with day-for-day credit (46.61.5055(9)(b)). administrative (implied consent, RCW…
DUI fine range
California$390-$1,000 (first offense, VC 23536)
WashingtonRCW 46.61.5055, by prior offenses in 7 years and BAC tier (gross misdemeanor unless felony). No prior:…
Driving while suspended
CaliforniaMisdemeanor. No-insurance suspension (VC 14601.1): up to 6 months jail and/or $300-$1,000.…
WashingtonRCW 46.20.342, three degrees. first degree (habitual offender driving under a ch 46.65 revocation):…
CDL consequence
CaliforniaMust downgrade to a Class C license to obtain a restricted license. If not operating a commercial…
WashingtonRCW 46.25.090 (federal FMCSA structure). 1-year disqualification (first major offense): DUI — including…
View full comparison ↓

Recent law changes

Changes verified from official state sources.

California2025-01-01 — minimums raised to 30/60/15 (SB 1107).
WashingtonLiability minimums (25/50/10) unchanged since 1980 c 117. Recent amendments to SR-22-relevant sections: DUI felony-offense lookback extended from 10…

Full comparison

Every compared field, with the official source on each value.

Coverage

Bodily injury / person
California
$30,000
Official source ↗
Washington
$25,000
Official source ↗
Bodily injury / accident
California
$60,000
Official source ↗
Washington
$50,000
Official source ↗
Property damage
California
$15,000
Official source ↗
Washington
$10,000
Official source ↗
UM/UIM requirement
California
30/60
Official source ↗
Washington
Offer-and-reject. RCW 48.22.030 requires every liability policy to include UIM coverage — which Washington defines broadly to bundle uninsured +…
Full details
Offer-and-reject. RCW 48.22.030 requires every liability policy to include UIM coverage — which Washington defines broadly to bundle uninsured + underinsured + hit-and-run + phantom-vehicle — defaulting to the same limits as the liability coverage, but the named insured or spouse may reject it in writing. PIP is likewise optional: offered on every policy, waivable in writing (RCW 48.22.085).
Official source ↗

SR-22 / FR-44

SR-22 required same
California
Yes
Official source ↗
Washington
Yes
Official source ↗
FR-44 required same
Filing duration
California
3 years of continuous SR-22 filing
Official source ↗
Washington
3 years
Official source ↗
Clock starts from
California
Suspension/reinstatement-based
Official source ↗
Washington
From the date proof was required (RCW 46.29.600(1)(a)) — not the reinstatement date and not the conviction date. tolls, doesn't restart: if the…
Full details
From the date proof was required (RCW 46.29.600(1)(a)) — not the reinstatement date and not the conviction date. tolls, doesn't restart: if the person surrenders the license and reapplies within the window, proof is reestablished for the remainder of the 3 years (46.29.600(3)).
Official source ↗
Non-owner SR-22 same
California
Yes
Official source ↗
Washington
Yes
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Costs

SR-22 filing fee same
California
~$15-25 (charged by the insurer, not the DMV)
See California sources ↗
Washington
~$15-25 (insurer-charged filing fee, not a DOL fee)
See Washington sources ↗
License reinstatement
California
$55 standard reissue; $125 Admin Per Se (DUI) reissue; $15 DMV admin; $100 under-21 Zero Tolerance
Official source ↗
Washington
$75 standard / $170 for DUI or implied-consent reinstatement
Official source ↗
Registration reinstatement
California
$14 (separate fee, for a no-insurance registration suspension)
Official source ↗
Washington
N/A
Official source ↗

Penalties

No-insurance, first offense
California
$100-$200 base fine on a first conviction, plus penalty assessments — a civil infraction under CA Veh. Code 16029(a), for failing to provide evidence…
Full details
$100-$200 base fine on a first conviction, plus penalty assessments — a civil infraction under CA Veh. Code 16029(a), for failing to provide evidence of financial responsibility (16028(a)). The court may impound the vehicle and order coverage maintained for at least one year.
Official source ↗
Washington
Traffic infraction (not a crime) — monetary penalty set by the Washington Supreme Court penalty schedule under RCW 46.63.110; the statute (RCW…
Full details
Traffic infraction (not a crime) — monetary penalty set by the Washington Supreme Court penalty schedule under RCW 46.63.110; the statute (RCW 46.30.020(1)(d)) sets no fixed dollar amount and no first/subsequent escalation. The commonly assessed penalty is approximately $550 (court rule, not statute). Showing you were actually insured at the time gets the citation dismissed for a $25 administrative cost (46.30.020(2)).
Official source ↗
No-insurance, repeat offense
California
$200-$500 for a subsequent conviction within three years, plus penalty assessments — civil infraction under CA Veh. Code 16029(b). Same…
Full details
$200-$500 for a subsequent conviction within three years, plus penalty assessments — civil infraction under CA Veh. Code 16029(b). Same penalty-assessment multiplier as the first-offense fine; the court may also impound the vehicle.
Official source ↗
Washington
Same as first — RCW 46.30.020 sets no first/subsequent distinction; driving uninsured is a single-tier traffic infraction with the penalty set by the…
Full details
Same as first — RCW 46.30.020 sets no first/subsequent distinction; driving uninsured is a single-tier traffic infraction with the penalty set by the Supreme Court schedule (46.63.110). No escalation by prior count.
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DUI suspension
California
APS suspension: 4 months (1st); 1 year (2nd within 10 yrs). Refusal: 1 yr / 2 yr revoke / 3 yr revoke. 30-day temp license after arrest.
Official source ↗
Washington
two parallel tracks with day-for-day credit (46.61.5055(9)(b)). administrative (implied consent, RCW 46.20.308 -> periods in 46.20.3101): triggered…
Full details
two parallel tracks with day-for-day credit (46.61.5055(9)(b)). administrative (implied consent, RCW 46.20.308 -> periods in 46.20.3101): triggered by a breath/blood test at or above 0.08 (0.02 under-21) or a refusal; headline periods — test failure suspends at least 90 days, refusal revokes at least 1 year; 30-day temporary license from arrest, 7-day window to request a hearing ($375 fee). conviction-based (46.61.5055(9)): below 0.15 -> 90-day suspension (no prior) / 2-year revocation (1 prior) / 3-year (2+); 0.15 or above -> 1-year / 900-day / 4-year; refusal -> 2-year / 3-year / 4-year. Mandatory IID on all vehicles (46.61.5055(5), 46.20.720) for 1/5/10 years by prior IID restrictions. Revocation grounds also in 46.20.285 (DUI 1-year baseline; vehicular homicide 2 years).
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DUI fine range
California
$390-$1,000 (first offense, VC 23536)
Official source ↗
Washington
RCW 46.61.5055, by prior offenses in 7 years and BAC tier (gross misdemeanor unless felony). No prior: 24 hrs-364 days jail + $350-$5,000 (<0.15); 48…
Full details
RCW 46.61.5055, by prior offenses in 7 years and BAC tier (gross misdemeanor unless felony). No prior: 24 hrs-364 days jail + $350-$5,000 (<0.15); 48 hrs + $500-$5,000 (>=0.15 or refusal). 1 prior: 30 days + 60 days EHM + $500-$5,000 (<0.15); 45 days + 90 days EHM + $750-$5,000 (>=0.15/refusal). 2 priors: 90 days + 120 days EHM + $1,000-$5,000 (<0.15); 120 days + 150 days EHM + $1,500-$5,000 (>=0.15/refusal). 3+ priors in 15 years -> class B felony under ch 9.94A (46.61.502(6)). Minor-passenger enhancements add IID time, jail, and fines. Mandatory minimums are largely non-suspendable.
Official source ↗
Driving while suspended
California
Misdemeanor. No-insurance suspension (VC 14601.1): up to 6 months jail and/or $300-$1,000. Reckless/negligent suspension (VC 14601): 5 days-6 months…
Full details
Misdemeanor. No-insurance suspension (VC 14601.1): up to 6 months jail and/or $300-$1,000. Reckless/negligent suspension (VC 14601): 5 days-6 months + $300-$1,000. DUI-related: VC 14601.2.
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Washington
RCW 46.20.342, three degrees. first degree (habitual offender driving under a ch 46.65 revocation): gross misdemeanor, mandatory minimum jail 10 days…
Full details
RCW 46.20.342, three degrees. first degree (habitual offender driving under a ch 46.65 revocation): gross misdemeanor, mandatory minimum jail 10 days (1st) / 90 (2nd) / 180 (3rd+), non-suspendable; +1-year revocation extension. second degree (suspended for a serious reason — DUI, vehicular homicide/assault, felony-vehicle, hit-and-run, prior DWS, administrative action): gross misdemeanor (up to 364 days / $5,000); +1-year no-new-license. third degree (suspended for administrative/financial reasons, including failure to furnish proof of FR / SR-22 under ch 46.29): misdemeanor (up to 90 days / $1,000); no extension. So driving while suspended solely for an unfiled SR-22 is the lightest tier (3rd degree).
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CDL

CDL consequence
California
Must downgrade to a Class C license to obtain a restricted license. If not operating a commercial vehicle at the time of the offense, a $125 reissue…
Full details
Must downgrade to a Class C license to obtain a restricted license. If not operating a commercial vehicle at the time of the offense, a $125 reissue fee applies after a 30-day suspension. A DUI in a commercial vehicle triggers a 1-year CDL disqualification under federal rules.
Official source ↗
Washington
RCW 46.25.090 (federal FMCSA structure). 1-year disqualification (first major offense): DUI — including a DUI in a non-commercial vehicle (0.08) — or…
Full details
RCW 46.25.090 (federal FMCSA structure). 1-year disqualification (first major offense): DUI — including a DUI in a non-commercial vehicle (0.08) — or CMV at 0.04+ BAC or any THC; refusal; leaving the scene; vehicle used in a felony; CMV-while-disqualified; negligent-operation fatality. 3-year if the offense occurred while transporting hazardous materials. lifetime (reducible to 10 years per federal rule) for a 2nd major offense. lifetime, no reduction: a vehicle used in a controlled-substance manufacture/distribution felony or a human-trafficking offense. Lesser ladders: serious traffic violations (60 days 2nd / 120 days 3rd in 3 years), out-of-service-order violations, railroad-crossing violations. CMV alcohol threshold is 0.04. Important for CDL holders: a DUI in a personal (non-commercial) vehicle still triggers a 1-year CDL disqualification.
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