Car insurance costs an average of $141 each month in Federal Way. Paying too much? Enter your ZIP to compare rates.
Auto insurance costs an average of $1,695 per year in Federal Way. That's more than the statewide average in Washington ($1,368) and more expensive than the nationwide average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Federal Way.
| Federal Way Average (annual) | Washington Average | United States Average |
| $1,695 | $1,368 | $1,548 |
Comparing rates from a number of different companies is the best way to find good coverage at a price that fits your budget. In Federal Way, USAA offers the cheapest premiums for the typical insurance buyer. See below the best companies for cheap auto insurance in Federal Way.
| Insurer | Average Rate (annual) |
| USAA | $1,121 |
| PEMCO Insurance | $1,135 |
| State Farm | $1,540 |
| Progressive | $1,559 |
| Allstate | $2,226 |
Check out our guide to learn how to find the best cheap car insurance.
Federal Way drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,518 per year, on average. Those in their 60s don't pay much more ($1,562).
Teenage drivers pay Federal Way's most expensive car insurance rates. When drivers hit their 20s in Federal Way and move out of the teenage age bracket, they reduce their premiums substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Federal Way is $4,956, the largest such difference between any two age groups.
| Age group | Average Yearly Rate |
| Teenagers | $7,166 |
| 20s | $2,210 |
| 30s | $1,703 |
| 40s | $1,621 |
| 50s | $1,518 |
| 60s | $1,562 |
| 70s | $1,944 |
Learn more about how age influences auto insurance rates.
In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers in Federal Way pay $78 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations.
Gender is yet another factor that can affect auto insurance premiums. In Federal Way, female drivers pay $54 per year more than do male drivers for car insurance.
| Marital Status/Gender | Average Yearly Rate |
| Female | $1,749 |
| Male | $1,695 |
| Single | $1,695 |
| Married | $1,617 |
| Divorced | $1,695 |
| Widowed | $1,666 |
Learn more about how gender and marital status have on car insurance rates.
No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets can dramatically increase your car insurance rates. Insurers reward low-risk drivers with the gift of low rates.
Federal Way drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $728 per year versus the city average. A ticket for speeding results in a $376 rate increase, on average, while a DUI violation costs $775per year in insurance premiums.
| Incident | Average Annual Rate |
| DUI/DWI | $2,470 |
| Reckless Driving | $2,423 |
| At-fault Accident (damages less than $1,000) | $2,318 |
| At-fault Accident (damages greater than $2,000) | $2,524 |
| Speeding Ticket (16-20 mph over speed limit) | $2,071 |
Learn more about how citations can raise your auto insurance rates.
It's no secret that credit score is closely correlated with auto insurance rates. Federal Way drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 56% on their car insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take when pursuing better car insurance rates. In Federal Way, improving your credit to "Fair" corresponds with a $605 decrease in annual car insurance rates.
| Credit Tier | Average Annual Rate |
| Very Poor | $3,225 |
| Fair | $2,620 |
| Good | $2,167 |
| Very Good | $1,786 |
| Exceptional | $1,435 |
Learn more about the relationship between credit and car insurance.