Wash. Rev. Code » Title 48 · Chapter 48.18
Revised Code of Washington

Wash. Rev. Code § 48.18.180 (2026)

Stated premium must include all charges

✓ current as of May 2026
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(1) The premium stated in the policy shall be inclusive of all fees, charges, premiums, or other consideration charged for the insurance or for the procurement thereof.
(2) No insurer or its officer, employee, appointed insurance producer, or other representative shall charge or receive any fee, compensation, or consideration for insurance which is not included in the premium specified in the policy.
(3) Each violation of this section is a gross misdemeanor.
(4) This section does not apply to:
(a) A fee paid to an insurance producer by an insured as provided in RCW 48.17.270; or
(b) A regulatory surcharge imposed by RCW 48.02.190.
[ 2008 c 217 s 13; 2007 c 153 s 2; 1994 c 203 s 2; 1947 c 79 s .18.18; Rem. Supp. 1947 s 45.18.18.]

Notes:

Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
Notes of Decisions
Cited in 3 cases (1 in the last 5 years), 2004–2025 · leading case: Sheldon v. Am. States Preferred Ins. Co., 95 P.3d 391 (Wash. Ct. App. 2004).
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Sheldon v. Am. States Preferred Ins. Co., 95 P.3d 391 (Wash. Ct. App. 2004). · cites it 4× “170, and should have been described as such under RCW 48.18.180. Because it was not, the class argues that the fee was illegal and must be disgorged.”
Sheldon v. Am. States Preferred Ins., 123 Wash. App. 12 (Wash. Ct. App. 2004). · cites it 4× “170, and should have been described as such under RCW 48.18.180. Because it was not, the class argues that the fee was illegal and must be disgorged.”
Guercia v. AON Affinity Ins. Servs. Inc (E.D. Wash. 2025). · cites it 4× “180 do not constitute a per se unfair trade 5 practice, nor has Plaintiff alleged violations of these statutes or WAC 284-30-750.”
— Wash. Rev. Code § 48.18.180(1) — 1 case
Guercia v. AON Affinity Ins. Servs. Inc (E.D. Wash. 2025). “180 do not constitute a per se unfair trade 5 practice, nor has Plaintiff alleged violations of these statutes or WAC 284-30-750.”
— Wash. Rev. Code § 48.18.180(2) — 2 cases
Sheldon v. Am. States Preferred Ins. Co., 95 P.3d 391 (Wash. Ct. App. 2004). “170, and should have been described as such under RCW 48.18.180. Because it was not, the class argues that the fee was illegal and must be disgorged.”
Sheldon v. Am. States Preferred Ins., 123 Wash. App. 12 (Wash. Ct. App. 2004). “170, and should have been described as such under RCW 48.18.180. Because it was not, the class argues that the fee was illegal and must be disgorged.”
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