Polyurethane coating compositions that provide transparent, abrasion-resistant, and water-washable anti-fog coatings when applied to a substrate and cured are described herein. These polyurethane coating compositions have surfactants that are chemically associated with the polyurethane so as to not leach out or wash away when the coating surface is soaked or washed with water. The polyurethane coating compositions comprise isocyanate-reactive surfactants, isocyanate-reactive salts of surfactants, carboxylic-reactive surfactants, or combinations thereof that are chemically bonded to the polyurethane. Articles coated with such polyurethane coating compositions, and processes for applying the coating compositions to a substrate, are also provided herein.