Car Insurance in Federal Way
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Find Your Way to Federal Way
With a population of more than 101,000 residents. Federal Way ranks as one of Washington's top 10 largest cities. The King County enclave has several state and city parks, expansive views of the Puget Sound and a dense downtown area with lots to do.
Federal Way attracts countless new residents because of its proximity to both urban centers and natural wonders. However, its cost of living is more than 58% higher than the national average. according to data reported by Sperling's Best Places. On the other hand, you'll save almost 28% on the cost of living compared to the state average. If you're paying too much for car insurance in Federal Way, shop around for the best rate with personalized quotes from VIU by HUB.
Driving in the Federal Way Area
Motorists who live or work in Federal Way should be aware of hazardous areas. As reported by the Federal Way Mirror, the town's 5-mile stretch of Pacific Highway South is one of the state's most dangerous roads. This section had six fatal accidents from 2017 to 2019, as well as three fatalities on a 450-foot section south of S. 356th St. within just a few weeks of each other in 2021.
Property crimes may also pose a concern for drivers in Federal Way. The city has about 4.25 of these incidents per 100 residents every year, more than double the U.S. rate of 2.11 and significantly higher than the average Washington rate of 2.68. Full-coverage car insurance in Federal Way can help you protect your financial interests from the impact of theft, vandalism and serious auto accidents.
Average Auto Insurance Rates in Federal Way
Car insurance in Federal Way costs an average of $1,627 per year according to U.S. News and World Report. It's one of the costliest cities for auto insurance in Washington. Residents pay about 27% more than the national average of $1,285 per year and about 5% more than the Washington average of $1,543 per year.
While many factors influence auto insurance rates, you may pay more if you live in a neighborhood with a high rate of car theft or accidents. You may also find dramatically different rates from one insurance provider to the next since each company has its own formula for calculating premiums. Shopping around by getting multiple quotes from VIU by HUB can help you find affordable prices in this high-cost environment.
Required Insurance for Washington Drivers
The state mandates minimum liability coverage, which pays for the costs of other drivers and passengers if you cause an accident. You need at least $25,000 per person and $50,000 per accident in bodily injury coverage, as well as $10,000 per accident to pay for third-party property damage in the event of an at-fault collision.
If you have a loan or lease on your vehicle, your contract may require you to carry full-coverage auto insurance. You may also want to increase your coverage to pay for damage to a vehicle you own outright. Collision coverage pays for accident damage resulting from an accident no matter who was at fault, while comprehensive coverage pays for damage caused by vandalism, theft, severe weather and other catastrophic events.
Car insurance in Federal Way protects your vehicle from damage as you explore this vibrant suburb of Seattle. VIU by HUB provides personalized quotes from multiple providers so you can find the right rates for the right coverage.This information is intended for general informational purposes only and is not intended to constitute legal advice.