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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.
Over 92 percent of Federal Way households own cars. Saving green on a car insurance policy goes right along with the Evergreen State.
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.
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.
| Cheapest Companies | Quotes |
|---|---|
 Progressive | $49/mo |
 Nationwide | $123/mo |
 State Farm | $132/mo |
 Travelers | $165/mo |
 The General | $167/mo |
| Best Companies | Quotes | |
|---|---|---|
 American Family | $297/mo | |
 Liberty Mutual | $347/mo | |
Travelers | $270/mo | |
 National General | $276/mo |
Washington Cities | |
|---|---|
| Seattle | $113/mo |
| Spokane | $130/mo |
| Tacoma | $156/mo |
| Vancouver | $109/mo |
| Federal Way | $141/mo |
| Washington | $130/mo |
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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:
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.
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.
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 Age | Avg. Monthly Cost |
|---|---|
| teens | $590 |
| 20s | $365 |
| 30s | $323 |
| 40s | $386 |
| 50s | $291 |
| 60s | $280 |
| 70s | $237 |
| 80s | $267 |
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $301 |
| Speeding Ticket | $358 |
| At-Fault Accident | $390 |
| Failure to Stop for Red Light / Stop Sign | $231 |
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.
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 Tie | Avg. Monthly Cost |
|---|---|
| Excellent | $351 |
| Good | $258 |
| Average | $317 |
| Poor | $343 |
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.
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.
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.
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:
