Best Cheap Auto Insurance in Federal Way, WA (2021)

The average Federal Way, WA auto insurance rates are $312 per month. The minimum auto insurance in Federal Way is at least 25/50/10 in coverage to comply with Washington auto insurance laws. To find the best cheap auto insurance in Federal Way, Washington, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • Average auto insurance rates in Federal Way, WA for senior drivers are $1,989 per year
  • The cheapest auto insurance company in Federal Way is Nationwide
  • The most expensive auto insurance company in Federal Way for teen drivers is Liberty Mutual

Federal Way, Washington auto insurance requirements are 25/50/10 according to Washington auto insurance laws. Finding cheap auto insurance in Federal Way can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Federal Way, Washington, including driving record, credit, commute time, and more.

Compare auto insurance in Federal Way to other Washington cities, including Everett auto insurance rates, Federal Way auto insurance rates, and Tacoma auto insurance rates to see how Federal Way, Washington auto insurance rates stack up.

Before you buy Federal Way, Washington auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Federal Way, Washington auto insurance quotes.

Minimum Auto Insurance in Federal Way, Washington

Federal Way, Washington auto insurance laws require that you have at least the Washington minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Federal Way, Washington.

Minimum Required Auto Insurance Coverage in Federal Way, Washington

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Federal Way, Washington Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Federal Way, Washington are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Federal Way, Washington

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,579 $2,548 $2,381 $2,504 $9,542 $11,081 $2,745 $2,855
American Family $2,429 $2,429 $2,221 $2,221 $9,264 $12,600 $2,429 $3,231
Farmers $2,752 $2,827 $2,518 $2,871 $6,380 $6,864 $3,475 $3,580
GEICO $2,150 $2,188 $2,016 $2,016 $4,695 $6,109 $3,644 $2,638
Liberty Mutual $2,099 $2,296 $1,879 $2,216 $11,891 $13,052 $2,235 $2,426
Nationwide $1,768 $1,808 $1,645 $1,712 $4,946 $5,986 $2,131 $2,295
Progressive $1,852 $1,723 $1,676 $1,694 $9,531 $10,664 $2,207 $2,182
State Farm $1,968 $1,968 $1,775 $1,775 $5,790 $7,319 $2,245 $2,574
USAA $1,389 $1,367 $1,346 $1,344 $6,308 $7,425 $1,766 $1,936

Cheap Federal Way, Washington Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Federal Way, Washington is a challenge. Take a look at the annual teen auto insurance rates in Federal Way, Washington.

Annual Auto Insurance Rates for Teen Drivers in Federal Way, Washington

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,542 $11,081
American Family $9,264 $12,600
Farmers $6,380 $6,864
GEICO $4,695 $6,109
Liberty Mutual $11,891 $13,052
Nationwide $4,946 $5,986
Progressive $9,531 $10,664
State Farm $5,790 $7,319
USAA $6,308 $7,425

Cheap Federal Way, Washington Auto Insurance for Seniors

What are senior auto insurance rates in Federal Way, Washington? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Federal Way, Washington

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,381 $2,504
American Family $2,221 $2,221
Farmers $2,518 $2,871
GEICO $2,016 $2,016
Liberty Mutual $1,879 $2,216
Nationwide $1,645 $1,712
Progressive $1,676 $1,694
State Farm $1,775 $1,775
USAA $1,346 $1,344

Cheap Federal Way, Washington Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Federal Way, Washington compared to the annual auto insurance rates with a clean record in Federal Way, Washington.

Annual Federal Way, Washington Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,778 $4,772 $5,315 $4,251
American Family $3,687 $4,729 $5,473 $4,525
Farmers $3,239 $4,043 $4,323 $4,028
GEICO $2,465 $3,141 $4,657 $2,465
Liberty Mutual $4,057 $5,125 $5,217 $4,648
Nationwide $2,162 $2,933 $3,686 $2,365
Progressive $3,185 $5,022 $3,712 $3,846
State Farm $2,881 $3,472 $3,177 $3,177
USAA $2,089 $3,045 $3,832 $2,474

Cheap Federal Way, Washington Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Federal Way, Washington is not easy. Compare the annual rates for DUI auto insurance in Federal Way, Washington to find the best deal.

Annual Auto Insurance Rates After a DUI in Federal Way, Washington

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,315
American Family $5,473
Farmers $4,323
GEICO $4,657
Liberty Mutual $5,217
Nationwide $3,686
Progressive $3,712
State Farm $3,177
USAA $3,832

Cheap Federal Way, Washington Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Federal Way, Washington annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Federal Way, Washington

Insurance Company Poor Fair Good
Allstate $5,594 $4,305 $3,689
American Family $5,428 $4,438 $3,943
Farmers $4,744 $3,616 $3,366
GEICO $3,788 $3,030 $2,728
Liberty Mutual $6,807 $4,193 $3,285
Nationwide $3,331 $2,599 $2,430
Progressive $4,330 $3,877 $3,616
State Farm $4,618 $2,766 $2,146
USAA $3,608 $2,645 $2,328

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Cheap Federal Way, Washington Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Federal Way, Washington can vary. Compare the annual cost of auto insurance by ZIP code in Federal Way, Washington to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Federal Way, Washington

ZIP Code Average Annual Rates
98003 $3,733
98023 $3,781

Cheap Federal Way, Washington Auto Insurance Rates By Commute

Commute length and annual mileage affect Federal Way, Washington auto insurance. Find the cheapest annual Federal Way, Washington auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Federal Way, Washington

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,529 $4,529
American Family $4,510 $4,696
Farmers $3,908 $3,908
GEICO $3,142 $3,222
Liberty Mutual $4,762 $4,762
Nationwide $2,786 $2,786
Progressive $3,941 $3,941
State Farm $3,087 $3,266
USAA $2,832 $2,888

Cheap Federal Way, Washington Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Federal Way, Washington? Check out the comparison of annual Federal Way, Washington auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Federal Way, Washington

Insurance Company Low Medium High
Allstate $4,279 $4,516 $4,793
American Family $4,334 $4,597 $4,878
Farmers $3,615 $3,909 $4,202
GEICO $2,958 $3,183 $3,404
Liberty Mutual $4,451 $4,773 $5,061
Nationwide $2,618 $2,786 $2,956
Progressive $3,517 $3,821 $4,486
State Farm $2,943 $3,194 $3,393
USAA $2,659 $2,860 $3,061

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Best By Category: Cheapest Auto Insurance in Federal Way, Washington

Compare the cheapest auto insurance companies in Federal Way, Washington in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Federal Way, Washington

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

The Cheapest Federal Way, Washington Auto Insurance Companies

What auto insurance companies in Federal Way, Washington are the cheapest? Compare the top Federal Way, Washington auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Federal Way, Washington

Insurance Company Average Annual Rates
Allstate $4,529
American Family $4,603
Farmers $3,908
GEICO $3,182
Liberty Mutual $4,762
Nationwide $2,786
Progressive $3,941
State Farm $3,177
USAA $2,860

What affects auto insurance rates in Federal Way, Washington?

There are a lot of reasons why auto insurance rates in Federal Way, Washington are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Federal Way, Washington. Many local factors may affect your Federal Way auto insurance rates.

Federal Way Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Federal Way, Washington auto theft statistics, there have been 770 auto thefts in the city.

Federal Way Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Federal Way, Washington commute length is 35.3 minutes according to City-Data.

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Compare Federal Way, Washington Auto Insurance Quotes

Before you buy Federal Way, Washington auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Federal Way, Washington auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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