Best Auto Insurance Rates in Federal Way, Washington

On average, your neighbors pay $73 a month.

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Compare Auto Insurance in Federal Way

Federal Way, Washington, is a small city near Seattle with an estimated population of 96,757. Don’t let its quaint vibe fool you--Federal Way has the state’s only amusement park, Wild Waves. It’s also home to the Rhododendron Species Botanical Garden (RSBG), where over 700 species of rhododendron are on display.

RSBG’s motto may be "Where the Wild Things Grow." Thankfully, for Federal Way residents, that refers to flowers, not car insurance premiums. Still, some people in this city pay more for car insurance than they should. Those folks should let QuoteWizard help them shop around for more affordable rates.

Average Federal Way Car Insurance Rates

How much is car insurance in Federal Way, WA? Premiums here can be expensive. Many local drivers pay more than the state and national average. The average cost of auto insurance in Washington is $884.24 per year. The national average price is $889.01.

Prices may vary depending on your car, driving history, and the number of claims filed in your zip code.

Washington Average Annual Car Insurance Rates
Coverage Rates
Liability $596.670
Collision $265.74
Comprehensive $106.38
Total Cost Per Year $884.24
Price Per Month $73.68
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Washington's average auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Washington's car insurance rates increased from $806 in 2011 to $884 in 2015, a jump of $78, or 9.70 percent.

Washington average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Federal Way, Washington and save up to 40% on your premium.

Last year, 1,752 people did just that. They used QuoteWizard to compare car insurance quotes in Federal Way, WA from multiple companies to get the cheapest rates.

Best Car Insurance Companies in Federal Way, WA

This is our list of the most common car insurance companies reported by QuoteWizard users living in Federal Way, Washington last year. Of the 1,752 drivers who used QuoteWizard to compare rates, 148 were not insured.  

Top 10 Vehicles

These are the most common car makes and models owned by Federal Way, WA drivers who requested quotes through QuoteWizard last year.

  1. Honda Civic LX/EX
  2. Ford Explorer
  3. Ford F150
  4. Toyota Prius
  5. Ford Ranger
  6. Ford Fusion SE
  7. Toyota Camry LE
  8. Jeep Grand Cherokee Limited
  9. Toyota Rav4
  10. Honda Civic EX

Minimum Car Insurance Requirements in Federal Way, WA

Federal Way, Washington has a minimum coverage requirement known as the 25/50/10 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your carrier will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The maximum your insurer will pay for property damage caused by a car accident.

Driving Conditions

Driving conditions like weather and traffic congestion can influence your insurance rates.


Federal Way’s climate is surprisingly mild. Summers are warm and dry, while winters are cool (but not cold) and wet. How wet? Federal Way receives about 40 inches of rainfall each year. One side effect of that: slick roads often bring traffic to a standstill. Fortunately, it rarely snows in Federal Way. Its average annual snowfall is around eight inches.

Road Conditions

Road conditions in the Greater Seattle area are a big problem for residents. According to TRIP, 42% of the major roadways here are in poor condition. These poor street conditions cost local drivers an additional $693 a year due to higher vehicle operating costs, car accidents, and traffic congestion.

Traffic Congestion

Traffic in your city or town can have a big impact on your car insurance rates. Residents here know all about that. Many of them use I-5 to get around, and congestion on that highway can be really bad.

Moving Violations

Moving violations like speeding tickets and accidents give you a bad driving record. That's because some citations add points to your driver's license. If your insurance company finds out, they'll raise your rates. Too many of these tickets in a short time, however, can get you flagged as a non-standard or high-risk driver. These policies are very expensive.

Traffic Tickets

The Federal Way Municipal Courts website allows residents to pay traffic tickets, tells drivers how to contest tickets and set hearing dates, and provides other helpful traffic court information.

DUI Arrests

Federal Way Police arrested 114 adults and two juveniles for suspicion of DUI in 2016.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Get a quote and we'll connect you with local insurance agents from top insurance companies that specialize in Federal Way DUI insurance.

DWI Crashes and Injuries

Federal Way reported 109 crashes involving alcohol or drugs in 2018. These accidents caused 17 injuries and one fatality.

Car Accident Statistics

Federal Way officials reported 1,970 car crashes in 2018. These crashes resulted in 157 injuries, 32 of them serious.

Traffic Fatalities

Federal Way officials reported nine traffic collisions in 2018. All traffic deaths are a tragic loss, and considering the estimated population of 96,690 Federal Way, WA is a safe city in terms of traffic fatalities per capita.

Vehicle Theft Rates

Federal Way reported 944 motor vehicle thefts in 2017. That's a rate of 9.76 per 1,000 residents. This is more than three times the national average of 2.37 auto thefts per 1,000 people.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your insurance rates. Below are only some of the auto insurance discounts available to drivers in Federal Way, WA depending on your insurer. Get a free quote to find out which discounts you may qualify for.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling is one of the best discounts and can reduce your rates by as much as 20%
  2. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  4. Are you married or getting married soon? Some insurers offer a discount to married couples
  5. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  6. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount

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