Final answer:
In Washington State, all drivers must carry liability insurance and possess proof of insurance, regardless of their age or vehicle type. Insurance rates are influenced by factors like vehicle safety, driving history, and the driver's age. The requirement for insurance is mandated by state, not federal law.
Step-by-step explanation:
If you operate a motor vehicle registered in Washington State, you must have liability insurance and carry an ID card proving you have such insurance. It is a legal requirement regardless of whether the vehicle is new or used, or whether the driver is under or over 18. Unlike the other options provided, carrying insurance is not exclusive to motorcycles, large trucks, or newer vehicles. All vehicle operators need to comply with this regulation.
Car insurance is essential as it protects a driver from having to pay large out-of-pocket expenses if they're involved in an accident. Factors such as the car's safety rating, the driving history of the owner, and the age of the driver can affect insurance rates. Payments for insurance premiums can be made monthly, quarterly, or biannually, and this is an ongoing cost that persists even after the car loan is paid off.
Besides, laws such as those that govern insurance are typically established and enforced at the state or local level, not by federal authorities in Washington, D.C. This ensures that the car owners comply with regulations that are tailored to their specific state requirements.