Federal Way, WA
Insuring your car and home in Federal Way, WA
How Federal Way households can compare car and home coverage, with local Census data. A quote is not a binder.
Federal Way has about 100,252 residents in King County. 67% of its workers drive to work alone and 55% of households own their home, so most families here need both a car policy and a homeowners policy.
Federal Way commuting and vehicle data
| Measure | Federal Way | Washington |
|---|---|---|
| Drive alone to work | 67% | 63% |
| Carpool | 12% | 8% |
| Work from home | 14% | 20% |
| Commute of 45 minutes or more | 25% | 17% |
| Commute under 15 minutes | 17% | 26% |
| Households with no vehicle | 6% | 7% |
| Households with 3 or more vehicles | 25% | 26% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Long commutes are longer in Federal Way than statewide: 25% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
Only 14% of Federal Way workers mostly work from home, below the Washington share of 20%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
Vehicle counts vary: 25% of households in Federal Way have at least three vehicles (Washington: 26%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Federal Way homes and homeowners coverage
The median owner-occupied home in Federal Way is valued at $552,800, and half of the city's homes were built before 1984. The Washington median value is $564,600. Your dwelling limit should match rebuild cost, which can differ from market value.
NAIC data for 2023 show Washington HO-3 policyholders with $500,000–$599,999 of dwelling coverage paying an average of $1,317; the all-amounts state average was $1,232.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Federal Way drivers
Washington requires liability limits of at least 25/50/10. Other required coverage: none beyond liability. Those are floors; with Federal Way's median home value at $552,800, most homeowners choose much higher liability limits to protect their equity.
Bundling auto and home in Federal Way
A bundle can simplify life in Federal Way: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
What can go wrong in Federal Way
Insurers in Washington price for wildfire east of the Cascades and icy winter roads. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
County hazard detail: FEMA National Risk Index.
Neighboring cities and Federal Way
In Seattle, 44% own their home and 9% of households have three or more vehicles. Bellevue: 46% drive alone, 11% commute 45+ minutes, median home $1,340,300. In Kent, 57% own their home and 25% of households have three or more vehicles. For share of 45-minute-plus commutes, Federal Way is 1st of 30 Washington cities on this site.
Federal Way quote checklist
- Drivers' names and dates of birth
- Lender name and loan number
- When the roof was replaced
- VINs from registrations or the dashboard
- Current declarations pages for auto and home
- Target limits and deductibles
Questions from Federal Way drivers and homeowners
What are the minimum car insurance limits for Federal Way drivers?
Washington requires liability of 25/50/10; none beyond liability.
How long are commutes in Federal Way?
About 25% of Federal Way workers commute 45 minutes or more and 17% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Federal Way?
Prices depend on the home and coverage. The NAIC's 2023 Washington HO-3 average was $1,232; see the Washington page.
Other city guides near Federal Way
Auto and home insurance in Washington
Last updated October 15, 2026 · How we research