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

Wash. Rev. Code § 48.18.480 (2026)

Discrimination prohibited

✓ current as of May 2026
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No insurer shall make or permit any unfair discrimination between insureds or subjects of insurance having substantially like insuring, risk, and exposure factors, and expense elements, in the terms or conditions of any insurance contract, or in the rate or amount of premium charged therefor, or in the benefits payable or in any other rights or privileges accruing thereunder. This provision shall not prohibit fair discrimination by a life insurer as between individuals having unequal expectation of life.
[ 1957 c 193 s 12; 1947 c 79 s .18.48; Rem. Supp. 1947 s 45.18.480.]
Notes of Decisions
Cited in 6 cases, 1967–2019 · leading case: Am. Home Assurance Co. v. Cohen, 881 P.2d 1001 (Wash. 1994).
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Am. Home Assurance Co. v. Cohen, 881 P.2d 1001 (Wash. 1994). · cites it 2× “This policy is reflected, as well, in RCW 48.18.480 and in appellate court decisions.”
Ins. Co. of North Am. v. Kueckelhan, 425 P.2d 669 (Wash. 1967). · cites it 2× “RCW 48.18.480. and (1) Every insurer shall, before using, file with the commissioner every manual of classifications, manual of rules and rates, and every rating plan as to surety insurances, and every rating schedule, minimum rate, class rate, and rating rule as to other…”
Fiscus Motor Freight, Inc. v. Universal Sec. Ins., 770 P.2d 679 (Wash. Ct. App. 1989). “Assuming, for this purpose, that one insurer may raise the issue against another, there is no discrimination here.”
Hennessy v. Vanderhoef, 461 P.2d 581 (Wash. Ct. App. 1969). “Further contention is made that Grange should be estopped to deny coverage because RCW 48.18.480 prohibits rate discrimination.”
Digit. Alchemy Llc v. John Hancock Life Ins. Co. (usa) (Wash. Ct. App. 2019). · cites it 2× “060 and RCW 48.18.480 will be violated by adopting John Hancock's understanding of "date of issue.”
Indep. Ins. Agents & Brokers of Wa. v. Herrmann, 486 P.2d 1068 (Wash. 1971). · cites it 7× “The sole issue is whether Standard National's plan for the "mass marketing" of casualty insurance is violative of RCW 48.18.480 which reads in part: *464 No insurer shall make or permit any unfair discrimination between insureds or subjects of insurance having substantially like…”
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