Cheap Auto Insurance Quotes in Federal Way, WA, for 2023

Car Insurance in Federal Way, WA

In Federal Way, the average cost of car insurance is $240 per month. This is $9 less than Washington’s average car insurance cost of $248. To cater to the numerous car owners in this city, there are several insurance companies in Federal Way that offer cheap auto insurance. Insurify makes it easy for drivers to compare car insurance companies to find the best rates.

See More:

Cheap Car Insurance Washington

Compare Car Insurance

Cheapest Car Insurance in Federal Way, WA

Rates for drivers in Federal Way vary widely from company to company because insurance companies weigh factors like driving record, credit history, and location differently. Below are the average monthly rates for the top providers in Federal Way.

Minimum Car Insurance Requirements in Washington

All motor vehicles operated or parked on Washington roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Washington^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Washington is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Federal Way Car Insurance Rates by Driving and Accident History

Your driving record will influence your insurance premium^[2]. If you have numerous speeding tickets, DUI charges, at-fault accidents, or other traffic citations, your premiums will likely be higher than a motorist who has a pristine driving record. This is indicated by the average rates in the table below.

See More:

High-Risk Car Insurance Washington

DUI Car Insurance Washington

Federal Way Car Insurance Rates by Credit Tier

In most states, insurance companies use your credit score when determining your premium. However, this practice is illegal in Washington state^[3]. Maintaining good credit is still important, but it won’t affect your insurance rates.

How to Get the Cheapest Car Insurance in Federal Way

The best way to get the cheapest car insurance in Federal Way is by maintaining a good driving record and a high credit score. These two factors are weighed heavily by insurance companies in Washington and can have a big impact on your rates, positive or negative. Another important step to take when looking for cheap car insurance is comparing car insurance quotes.

Drivers should also stay on the lookout for any discounts they may qualify for. Bundling auto insurance with home insurance, life insurance, or renters insurance is one of the most common discounts offered by insurance companies

Frequently Asked Questions

Insurify Insights

How Federal Way Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Federal Way, Washington below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Federal Way drivers measure up to their fellow motorists across Washington in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Honda Accord

Most Popular Car in Federal Way

#34

City with the Most Speeding Tickets Rank in Washington

#35

City with the Most Moving Violations Rank in Washington

#52

City with the Most DUIs Rank in Washington

#16

City with the Most Suspended Licenses in Washington

• Accidents in Federal Way

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Federal Way drivers rank 36 in the number of car accidents per driver across all cities in Washington.

  • Rank within state: #36
  • Percent of drivers in Federal Way with an accident: 9.6%
• DUI/DWIs in Federal Way

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Federal Way drivers rank 52 in the number of DUI’s per driver across all cities in Washington.

  • Rank within state: #52
  • Percent of drivers in Federal Way with a DUI: 1%
• Reckless Drivers in Federal Way

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Washington, Federal Way drivers rank 20 in the number of reckless driving offenses per driver.

  • Rank within state: #20
  • Percent of drivers in Federal Way with a reckless driving offense: 1.8%
• Rude Drivers in Federal Way

  The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Washington, Federal Way drivers rank 17 in rude driving infractions.

  • Rank within state: #17
  • Percent of drivers in Federal Way with a reckless driving violation: 2.2%
• Speeding in Federal Way

  Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Washington, Federal Way drivers rank 34 in the number of speeding infractions per driver.

  • Rank within state: #34
  • Percent of drivers in Federal Way with a speeding ticket: 12.4%
• Safest Drivers in Federal Way

  Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Federal Way drivers rank 31 in clean driving records across all cities in Washington.

  • Rank within state: #31
  • Percent of drivers in Federal Way with clean record: 75.5%
• Hybrid/Electric Vehicle Ownership in Federal Way

  As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Federal Way drivers rank 32 in hybrid and electric vehicle ownership across all cities in Washington.

  • Rank within state: #32
  • Percent of drivers in Federal Way with a hybrid/electric vehicle: 1.37%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.