Dude! Lots of questions. Ok..metrics..im 60, good credit, and ride a Harley, (I respect all riders) I'm paying $38 a month and I have a lot of coverage...with progressive...do you have tickets? Much younger? Fast bike? I would surely be shopping around...@lukekarasa has a great rate with Allstate! That's a great rate.....and yes insurance in this state is required. Though, you are not required to carry proof on a bike (weird) see the link. https://www.4injured.com/washington-state-motorcycle-insurance-laws/