Wash. Rev. Code » Title 48 · Chapter 48.19
Revised Code of Washington

Wash. Rev. Code § 48.19.020 (2026)

Rate standard

✓ current as of May 2026
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Premium rates for insurance shall not be excessive, inadequate, or unfairly discriminatory.
[ 1983 1st ex.s. c 32 s 13; 1947 c 79 s .19.02; Rem. Supp. 1947 s 45.19.02.]
Notes of Decisions
Cited in 4 cases (2 in the last 5 years), 1964–2022 · leading case: Blaylock v. First Am. Title Ins., 504 F. Supp. 2d 1091 (W.D. Wash. 2007).
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Blaylock v. First Am. Title Ins., 504 F. Supp. 2d 1091 (W.D. Wash. 2007). “§ 48.19.020. The Code specifies various considerations that must be taken into account in the setting of rates, including past and prospective loss experience, hazards, profitability, and expenses.”
Ritter v. Shotwell, 388 P.2d 527 (Wash. 1964). “” RCW 48.19.020. Uniformity of rates among insurers is not required.”
Hong v. Bank of Am. NA (W.D. Wash. 2021). · cites it 2× “” See RCW § 48.19.020. Such examination would “place 10 the Court directly on the toes of the Insurance Commissioner, a situation that courts specifically 11 contemplated when constructing the doctrine.”
Epstein v. USAA Gen. Indem. Co. (W.D. Wash. 2022). · cites it 2× “at *4 (quoting RCW 48.19.020). The 23 court rejected the plaintiff’s argument that she was not attacking the reasonableness of the rate, 24 1 noting that the plaintiff alleged that the premiums were “inflated far above the reasonable cost of 2 providing LPI coverage.”
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