Federal Way, WA Car Insurance

Car insurance costs an average of $141 each month in Federal Way. Paying too much? Enter your ZIP to compare rates.

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How much is auto insurance in Federal Way?


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 AUTO INSURANCE PREMIUMS
Federal Way Average (annual)Washington AverageUnited States Average
$1,695$1,368$1,548

Table of contents:

Federal Way auto insurance costs by company


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.


FEDERAL WAY AUTO INSURANCE RATES BY COMPANY
InsurerAverage 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 car insurance premiums by age

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.


FEDERAL WAY CAR INSURANCE PREMIUMS BY DRIVER AGE
Age groupAverage 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.



Federal Way auto insurance rates by gender and marital status


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.


FEDERAL WAY AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage 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.



Federal Way car insurance rates by citation and accident history


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.


FEDERAL WAY CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage 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.



Federal Way auto insurance rates by credit level


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.


FEDERAL WAY CAR INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage 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.



The Zebra

The Zebra is the nation's leading independent insurance comparison site. The Zebra compares more than 100 insurance companies and provides agent support and educational resources to ensure drivers are equipped to make the most informed decisions about their home and auto insurance.