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

Wash. Rev. Code § 48.18.292 (2026)

✓ current as of May 2026
Find cases: SyfertCases citing this section WA-LEGapp.leg.wa.gov JustiaTitle on Justia CornellLII Search CasesGoogle Scholar
(1) Each insurer shall be required to renew any contract of insurance subject to RCW 48.18.291 unless one of the following situations exists:
(a) The insurer gives the named insured at least twenty days' notice in writing as provided for in RCW 48.18.291(1), that it proposes to refuse to renew the insurance contract upon its expiration date; and sets forth therein the actual reason for refusing to renew; or
(b) At least twenty days prior to its expiration date, the insurer has communicated its willingness to renew in writing to the named insured, and has included therein a statement of the amount of the premium or portion thereof required to be paid by the insured to renew the policy, including the amount by which the premium or deductibles have changed from the previous policy period, and the date by which such payment must be made, and the insured fails to discharge when due his or her obligation in connection with the payment of such premium or portion thereof; or
(c) The insured's insurance producer has procured other coverage acceptable to the insured prior to the expiration of the policy period.
(2) Renewal of a policy shall not constitute a waiver or estoppel with respect to grounds for cancellation which existed before the effective date of such renewal.
(3) "Renewal" or "to renew" means the issuance and delivery by an insurer of a contract of insurance replacing at the end of the contract period a contract of insurance previously issued and delivered by the same insurer, or the issuance and delivery of a certificate or notice extending the term of a contract beyond its policy period or term: PROVIDED, HOWEVER, That any contract of insurance with a policy period or term of six months or less whether or not made continuous for successive terms upon the payment of additional premiums shall for the purpose of RCW 48.18.291 through 48.18.297 be considered as if written for a policy period or term of six months: PROVIDED, FURTHER, That any policy written for a term longer than one year or any policy with no fixed expiration date, shall, for the purpose of RCW 48.18.291 through 48.18.297, be considered as if written for successive policy periods or terms of one year.
(4) On and after January 1, 1980, no policy of insurance subject to RCW 48.18.291 shall be issued for a policy period or term of less than six months.
(5) No insurer shall refuse to renew the liability and/or collision coverage of an automobile insurance policy on the basis that an insured covered by the policy of the insurer has submitted one or more claims under the comprehensive, road service, or towing coverage of the policy. Nothing in this subsection shall prohibit the nonrenewal of comprehensive, road service, or towing coverage on the basis of one or more claims submitted by an insured.
[ 2008 c 217 s 17; 1985 c 264 s 19; 1981 c 339 s 17; 1979 ex.s. c 199 s 7; 1973 1st ex.s. c 152 s 3; 1969 ex.s. c 241 s 20.]

Notes:

Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
Application—1985 c 264 ss 17-22: See note following RCW 48.18.290.
Severability—1973 1st ex.s. c 152: See note following RCW 48.05.140.
Construction—1969 ex.s. c 241 ss 19-25: See note following RCW 48.18.291.
Notes of Decisions
Cited in 7 cases, 1977–2014 · leading case: Armstrong v. Safeco Ins., 765 P.2d 276 (Wash. 1988).
Sort: Relevance Newest Treatment
Armstrong v. Safeco Ins., 765 P.2d 276 (Wash. 1988). · cites it 10× “— When an insurance company issues a notice of nonrenewal pursuant to RCW 48.18.292, does the insurer's duty of good faith mandate that the statutorily required reason for nonrenewal be based upon some increased actuarial risk to the insurer? Safeco Insurance Company (Safeco)…”
Armstrong v. Safeco Ins., 748 P.2d 666 (Wash. Ct. App. 1988). · cites it 22× “RCW 48.18.292 does not define an "actual reason" or what basis there must be for an insurer's refusal to renew an auto policy.”
Safeco Ins. v. Irish, 681 P.2d 1294 (Wash. Ct. App. 1984). “5 RCW 48.18.292(1)(b) was amended by Laws of 1979, 1st Ex.”
State v. Mau, 308 P.3d 629 (Wash. 2013). “2901 and RCW 48.18.292, which describe the insurer’s duty to “renew” various “contracts of insurance”; three times in RCW 48.”
Seth Layman & Molly Layman v. 21st Century North Am. Ins. Co. (Wash. Ct. App. 2014). · cites it 12× “They raise multiple issues, including a claim that 21st Century failed to inform them properly about renewal of their automobile insurance as required by RCW 48.18.292. Because the Laymans have demonstrated a genuine issue of material fact about whether they agreed to receive…”
Evans v. State Farm Mut. Auto. Ins., 559 P.2d 574 (Wash. Ct. App. 1977). “TtUIyCNZxpMZBumDwAr2UiEZNydjCEXCYkEQkJHD6bNgbkDbg8nU6mz3wk2fmdNN2LH4pIk9cfyfHAHZ8ZKL5SjFsz4/8LpmuhE6ZHO9fDT265R3zRu3qAi8NANdDnIIYxJq+Ciiz3hI6nSP1zWIrpzUO8ObeBlPK8lNG6jNfb55mllFKOv+yfevSxmXfJGmTaJUvZcDd/9dVrW5/MNz60m2xVD2KklNelzLdkPHG0unRjSnU++i8ASifFLuCBI5oxGxTF5YX/F91AJqpHkD/Bbe…”
State v. Mau (Wash. 2013). “2901 and RCW 48.18.292, which describe the insurer's duty to "renew" various "contracts of insurance," three times in RCW 48.”
— Wash. Rev. Code § 48.18.292(1) — 1 case
Armstrong v. Safeco Ins., 748 P.2d 666 (Wash. Ct. App. 1988). “RCW 48.18.292 does not define an "actual reason" or what basis there must be for an insurer's refusal to renew an auto policy.”
— Wash. Rev. Code § 48.18.292(1)(a) — 3 cases
Armstrong v. Safeco Ins., 765 P.2d 276 (Wash. 1988). “— When an insurance company issues a notice of nonrenewal pursuant to RCW 48.18.292, does the insurer's duty of good faith mandate that the statutorily required reason for nonrenewal be based upon some increased actuarial risk to the insurer? Safeco Insurance Company (Safeco)…”
Armstrong v. Safeco Ins., 748 P.2d 666 (Wash. Ct. App. 1988). “RCW 48.18.292 does not define an "actual reason" or what basis there must be for an insurer's refusal to renew an auto policy.”
Seth Layman & Molly Layman v. 21st Century North Am. Ins. Co. (Wash. Ct. App. 2014). “They raise multiple issues, including a claim that 21st Century failed to inform them properly about renewal of their automobile insurance as required by RCW 48.18.292. Because the Laymans have demonstrated a genuine issue of material fact about whether they agreed to receive…”
— Wash. Rev. Code § 48.18.292(1)(b) — 2 cases
Safeco Ins. v. Irish, 681 P.2d 1294 (Wash. Ct. App. 1984). “5 RCW 48.18.292(1)(b) was amended by Laws of 1979, 1st Ex.”
Seth Layman & Molly Layman v. 21st Century North Am. Ins. Co. (Wash. Ct. App. 2014). “They raise multiple issues, including a claim that 21st Century failed to inform them properly about renewal of their automobile insurance as required by RCW 48.18.292. Because the Laymans have demonstrated a genuine issue of material fact about whether they agreed to receive…”
— Wash. Rev. Code § 48.18.292(2) — 1 case
Armstrong v. Safeco Ins., 765 P.2d 276 (Wash. 1988). “— When an insurance company issues a notice of nonrenewal pursuant to RCW 48.18.292, does the insurer's duty of good faith mandate that the statutorily required reason for nonrenewal be based upon some increased actuarial risk to the insurer? Safeco Insurance Company (Safeco)…”
— Wash. Rev. Code § 48.18.292(5) — 1 case
Armstrong v. Safeco Ins., 748 P.2d 666 (Wash. Ct. App. 1988). “RCW 48.18.292 does not define an "actual reason" or what basis there must be for an insurer's refusal to renew an auto policy.”
— Wash. Rev. Code § 48.18.292(l)(a) — 1 case
Armstrong v. Safeco Ins., 765 P.2d 276 (Wash. 1988). “— When an insurance company issues a notice of nonrenewal pursuant to RCW 48.18.292, does the insurer's duty of good faith mandate that the statutorily required reason for nonrenewal be based upon some increased actuarial risk to the insurer? Safeco Insurance Company (Safeco)…”
Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.