Cheap Auto Insurance Quotes in Federal Way, WA (2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Evergreen State.

Compare all car insurance quotes in one place

Compare Quotes

Personalized quotes in less than 2 minutes.

No signup required

As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Federal Way has 96,000 plus bike-loving residents, and most drive to get from point A to B. When you're not cycling, there's no need to spin your wheels looking for the best car insurance deal because auto quote comparison tools like Insurify make it easy.

Over 92 percent of Federal Way households own cars. Saving green on a car insurance policy goes right along with the Evergreen State.

Car Insurance in Federal Way, WA

The average cost of Washington car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Federal Way, WA to find you the cheapest quotes in the area.

Loading Chart

Cheapest Car Insurance in Federal Way, WA

Here are the cheapest carriers in Federal Way for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Federal Way, WA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Federal Way. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Loading Chart

Click here to learn about car insurance quotes and save on your current policy.

Federal Way, WA Driving Facts

Minimum Car Insurane Requirements in WA

All motor vehicles operated or parked on Washington roadways are required to be insured. The minimum liability car insurance requirements for private passenger vehicles in Washington are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily Injury Liability Coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Washington state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Washington law.

  • $10,000/accident for Property Damage (PD)

The state minimum amount of Property Damage Liability Coverage required in the state of Washington is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

washington

Federal Way Car Insurance Rates by Driver Age

Teen drivers consistently pay higher rates for insurance nationwide—as is the case for young motorists in Federal Way. Inexperience on the road leads to more accidents, which cost the car insurance company money. To recoup these costs, they make young motorists shoulder higher policy costs. Teen drivers in Federal Way pay 62 percent more for insurance than even drivers in their 20s, at $589 per month.

Driver's AgeAvg. Monthly Cost
teens$590
20s$365
30s$323
40s$386
50s$291
60s$280
70s$237
80s$267
Driving HistoryAvg. Monthly Cost
No Violation$301
Speeding Ticket$358
At-Fault Accident$390
Failure to Stop for Red Light / Stop Sign$231

Federal Way Car Insurance Rates by Driving and Accident History

Car insurance is expensive enough in Washington. There’s no need to make things worse by adding violations to your record, yet some people still do. Drivers with a clean record here pay $300 in car insurance on average. What happens to those premiums when you have an at-fault accident? In King County, monthly car insurance premiums rise to $389. But there’s also good news. You can redeem yourself. Insurance companies charge more for driving mistakes for only five years.

Federal Way Car Insurance Rates by Credit Tier

Maybe you didn’t know it, but more goes into calculating your claims risk than just your age, where you live, and your driving behavior. Your credit score is taken under consideration, too. Why? Because credit score is tied directly to the likelihood of you making a claim, underwriters use it to improve their risk calculations. If you aren’t already actively managing your credit score, it’s essential. You should review your credit report for mistakes and consistently work on improving your score. The better your score, the better your rates. Monthly premiums for drivers with a good credit score in Federal Way average out to $257.

Credit TieAvg. Monthly Cost
Excellent$351
Good$258
Average$317
Poor$343

Federal Way, WA DMV Information

The Federal Way Driver Licensing Office is at 1617 S 324th St., Federal Way, WA 98003. The hours are Monday through Friday from 9 a.m. to 5 p.m., except for Thursday when it opens at 10 a.m. The phone number is 1 (253) 661-5001, and the office runs by appointment only. Rather than make an appointment, you can renew registration along with several other services online.

Public Transportation in Federal Way, WA

Most residents drive, and the I-5 and State Route 99 intersect near the town for further travel. Also, the city provides public transportation. The Federal Way Transit Center and Sound Transit serve the area with buses. If you don't like waiting, you can try ridesharing services such as Uber or Lyft. Traditional taxi companies like Ace Taxi and All City Airport Car Service can also help you out.

Conclusion: How to get the best and cheapest car insurance in Federal Way, WA

Federal Way has an infatuation with four-legged friends, especially at Redondo Beach. Regardless of having pets, too many folks are dog-tired looking for cheap insurance rates. Try Insurify to unleash the best rates and compare dozens of insurance quotes in just a few seconds.

When 17 percent of drivers on Washington roads skip insurance, peace of mind and protection become even more vital. Use Insurify to get the coverage and rate that will make you scream like your favorite pie from Pop's Pizza and Pasta.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Federal Way stacks up for the state of Washington:

toyota
Toyota Camry
Most Popular Car in
Federal Way, WA
suspended licenses
#5
Cities with Most
Suspended Licenses Rank

FAQs - Federal Way, WA Car Insurance

Why is car insurance so expensive in Federal Way?

More than one out of six Washington drivers have no insurance, and irresponsible people raise the price for everyone. Insurers set the rate to offset the added risk.

How can I get the cheapest car insurance in Federal Way?

Choose state minimum coverage. It's the lowest amount of insurance Washington allows. If you're financing your vehicle, you may need comprehensive and collision coverage. In that case, to reduce your cost, increase your deductibles to the most you can afford out of pocket if an accident happens.

Who offers the cheapest car insurance in Federal Way?

Car insurance rates vary by city, company, and driver. If you're looking for premiums tailored to your driver profile, try Insurify to compare up to 10+ real quotes. You'll unlock savings and discounts and find the coverage you deserve at a price you can afford.