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Best Local Car Insurance Agencies in Federal Way, WA

Our Recommended Top 15

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Federal Way local car insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

68Reviewed

46Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1007 Pacific Avenue, Tacoma, WA 98402
WebsiteLicense: 41986

Expertise.com Rating

Review Sources

Google
4.3 (4)
Facebook
5.0 (3)
Yelp
1.0 (2)

Why choose this provider?

W Insurance Group is an insurance provider serving Tacoma and the surrounding areas, including Federal Way. Its knowledgeable local agents have the experience to assist vehicle owners obtain car insurance policies that will protect them in the event of an automotive emergency. They work closely with various reputable insurance carriers to find suitable policies that will meet the clients’ needs, expectations, and priorities. In addition to standard auto insurance, W Insurance Group also offers home, business, health, and life insurance.

  • Multiple Carriers
  • Boats

1230 South 336th Street, Federal Way, WA 98003
WebsiteLicense: 146147

Expertise.com Rating

Review Sources

Google
4.8 (29)
Yelp
5.0 (6)
Facebook
5.0 (1)

Why choose this provider?

Hart Insurance Agency provides a wide range of insurance products for residents in Federal Way. This independent insurance agency can help clients find the right auto insurance policy to protect their loved ones and assets while on the road to adventure. The professionals from this business are available at every step of the insurance process, from educating the clients about viable policies to searching for additional coverages. Hart Insurance Agency was founded in 1967.

  • Multiple Carriers

7610 Pioneer Way, Gig Harbor, WA 98335
WebsiteLicense: 748924

Expertise.com Rating

Review Sources

Google
5.0 (52)
Facebook
5.0 (5)

Why choose this provider?

Michael J Clifford Insurance Services is a team of independent agents that serves Federal Way. They assist clients in several areas such as auto insurance. The professionals furnish protection plans that may include collision, comprehensive, liability, medical payments, underinsured motorist, and roadside assistance coverage. They compare policy options from multiple providers like Hagerty, MetLife, National General, and Liberty Mutual. They also insure boats, mobile homes, and motorcycles. Michael J Clifford Insurance Services also handles insurance claims.

  • Multiple Carriers

3309 56th Street, Gig Harbor, WA 98335
WebsiteLicense: 721367

Expertise.com Rating

Review Sources

Yelp
4.5 (7)
Facebook
4.2 (5)

Why choose this provider?

Sound Business Insurance is a locally owned and independent insurance agency that offers car insurance solutions to its clients in Federal Way. It can provide a wide selection of policies through its partnerships with a variety of insurance carriers, such as Progressive, Safeco, Travelers, The Hartford, and Nationwide. In addition to standard car insurance, it also offers classic car insurance and policies for Uber and Lyft drivers. Moreover, it has other personal and business insurance options.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

2102 North Pearl Street, Tacoma, WA 98406
WebsiteLicense: 31634

Expertise.com Rating

Review Sources

Google
5.0 (12)
Facebook
5.0 (6)
Yelp
4.0 (3)

Why choose this provider?

Pilkey Hopping & Ekberg has been serving residents and businesses in Federal Way for more than 120 years. This insurance agency helps vehicle owners prepare for unforeseen events that can happen to them on the road. They can shop for policies that cover medical expenses for injured passengers or damages resulting from vehicle collisions. This firm also offers various personal and business lines, including employee benefit products for small and large employers. Pilkey Hopping & Ekberg also handles boat and RV insurance.

  • Multiple Carriers

6314 19th Street West, Fircrest, WA 98466
WebsiteLicense: 122612

Expertise.com Rating

Why choose this provider?

Team Insurance is an independent insurance agency that serves the residents of Federal Way. With over four decades in the insurance industry, Dixie established the company to guide clients in choosing the right auto, homes, boats, motorhomes, and motorcycle insurance coverage. Policies are also available for motorcycles, boats, ATVs, motorhomes, and recreational vehicles. Team Insurance participates and volunteers in community events such as University Place Community, Thelma Gilmur Education Center, and Annual Duck Parade.

  • Multiple Carriers
  • Boats

113 Lee Street Southeast, Tumwater, WA 98501
WebsiteLicense: 1084085

Expertise.com Rating

Review Sources

Facebook
5.0 (7)

Why choose this provider?

Strand Insurance has been in the insurance industry since 1925. Based near Federal Way, this independent insurance agency helps clients obtain comprehensive coverage to help prepare for financial losses resulting from collisions and other accidents on the road. Its insurance advisors also specialize in business insurance lines and are able to write policies for automobiles and trucks used for commercial purposes. Strand Insurance also has a client center that is dedicated to assisting policyholders with their concerns 24/7.

  • Bundling Option
  • Boats

2745 Martin Way East, Olympia, WA 98506
WebsiteLicense: 267115

Expertise.com Rating

Review Sources

Facebook
5.0 (31)

Why choose this provider?

Cross Insurance Agency is an independent, locally-owned, and operated insurance agency that helps clients in Federal Way with their insurance needs. Its insurance agents are experienced in offering vehicle insurance products for cars, collector cars, teen drivers, motorcycles, recreational vehicles, ATVs, and SR-22 insurance. They provide auto insurance that includes collision, comprehensive, liability, medical expenses, and personal injury protection coverage. Cross Insurance Agency is licensed in six states and represents multiple insurance carriers, such as Progressive, Travelers, Grange Insurance, and Liberty Mutual.

  • Bundling Option

556 Lilly Road, Olympia, WA 98501
WebsiteLicense: 15913

Expertise.com Rating

Review Sources

Google
4.5 (22)
Facebook
5.0 (12)
Yelp
5.0 (2)

Why choose this provider?

GHB Insurance is an independent insurance solutions provider in Olympia that services Federal Way. The company offers clients auto insurance policies that financially protect them and their vehicles from personal injury liabilities, unexpected physical damages, and accidents such as collisions with other vehicles or properties. GHB Insurance has been operating since 1927 and is tied up with top insurance providers such as Safeco, Traveler's, Hartford, and Stillwater. The agency is one of the largest brokerage firms south of Tacoma.

  • Bundling Option

4115 Bridgeport Way West, University Place, WA 98466
WebsiteLicense: 1015196

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Heather McCloskey, who runs her own agency under State Farm, assists Federal Way residents in various areas, including auto insurance. Together with her team, McCloskey creates policies that reimburse losses in case the insured driver's vehicle gets stolen or damaged in a collision. Other coverage options are medical payments and liability coverage. McCloskey decided to open her own agency when she saw how his husband's State Farm agency created an impact on their family and the community.

  • Motorcyle & ATV

3815 100th Street Southwest, Lakewood, WA 98499
WebsiteLicense: 211780

Expertise.com Rating

Review Sources

Google
4.9 (7)
Facebook
5.0 (3)
Yelp
5.0 (2)

Why choose this provider?

AMR Insurance is an independent and locally owned auto insurance provider that services the Federal Way area. Its agents help their customers find the perfect personalized insurance coverage that fits their needs and budget. Under their auto insurance plans, they offer collision coverage for damages brought by accidents, a well as comprehensive insurance for damages caused by fires, vandalism, or natural causes. They have partnered with several reliable insurance carriers, including Safeco Insurance, Foremost, Hagerty, Progressive, and Dairyland Auto Insurance.

  • Multiple Carriers
  • Boats

32700 Pacific Highway South, Federal Way, WA 98003
WebsiteLicense: 719248

Expertise.com Rating

Review Sources

Google
4.4 (30)

Why choose this provider?

Rainwater Agency is an insurance business in Federal Way with over 30 years of experience in the industry. It delivers a wide range of insurance services in the community, including auto insurance, home insurance, life insurance, and business insurance. For the auto policy, the agency accommodates all types of cars and drivers regardless of their driving records. With access to a multitude of insurance companies, it provides clients a wider selection of policy coverages.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

1418 Lake Tapps Parkway South East, Auburn, WA 98092
WebsiteLicense: 213798

Expertise.com Rating

Review Sources

Facebook
5.0 (17)
Yelp
4.5 (11)

Why choose this provider?

With over five decades of combined experience in the insurance industry, Head & Malesis Insurance Agencies offers all aspects of insurance products to the residents of Federal Way and the rest of Washington. Offering auto insurance for vehicle owners, the company includes coverage for liability, medical payments, and roadside assistance. The company also offers insurance services for teen drivers. In addition to cars, its agents also handle boats, motorcycles, ATVs, and antique cars. They have been in the business for more than 30 years.

  • Boats

6919 Lakewood Drive West, University Place, WA 98467
WebsiteLicense: 733011

Expertise.com Rating

Review Sources

Google
4.8 (237)
Facebook
5.0 (45)
Yelp
5.0 (3)

Why choose this provider?

Alliance West Insurance Inc. is a full-service brokerage that caters to Federal Way residents. Included in its broad range of products is auto insurance, which may cover vehicle damage resulting from collisions, theft, vandalism, flood, and fire. The company insures teen and elderly drivers, and its team creates protection plans for owners of high-valued autos, yachts, travel trailers, and snowmobiles. Honesty, integrity, and respect are Alliance West Insurance's core values. The agency also serves Oregon, Utah, and Texas residents.

  • Bundling Option

930 South 336th Street, Federal Way, WA 98003
WebsiteLicense: 1006394

Expertise.com Rating

Why choose this provider?

CYM Insurance, Inc., headed by Jessie Robare, is a personal and commercial car insurance provider that serves drivers and vehicle owners in the Federal Way area. The policies offered under auto insurance by its agents include collision, comprehensive, liability, and medical payments coverage. Customers can conveniently access their accounts on the company's website for basic services, such as printing insurance ID cards and downloading documents. CYM Insurance also provides home and life insurance.

  • Multiple Carriers

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
W Insurance Group
1007 Pacific Avenue, Tacoma, WA 98402
Hart Insurance Agency
1230 South 336th Street, Federal Way, WA 98003
Michael J Clifford Insurance Services
7610 Pioneer Way, Gig Harbor, WA 98335
Sound Business Insurance
3309 56th Street, Gig Harbor, WA 98335
Pilkey Hopping & Ekberg
2102 North Pearl Street, Tacoma, WA 98406
Team Insurance
6314 19th Street West, Fircrest, WA 98466
Strand Insurance
113 Lee Street Southeast, Tumwater, WA 98501
Cross Insurance Agency
2745 Martin Way East, Olympia, WA 98506
GHB Insurance
556 Lilly Road, Olympia, WA 98501
Heather McCloskey
4115 Bridgeport Way West, University Place, WA 98466
AMR Insurance
3815 100th Street Southwest, Lakewood, WA 98499
Rainwater Agency - Federal Way
32700 Pacific Highway South, Federal Way, WA 98003
Head & Malesis Insurance Agencies
1418 Lake Tapps Parkway South East, Auburn, WA 98092
Alliance West Insurance Inc.
6919 Lakewood Drive West, University Place, WA 98467
CYM Insurance Inc
930 South 336th Street, Federal Way, WA 98003

Federal Way, WA Car Insurance Agency FAQs

  • What is the difference between personal injury protection and MedPay coverages in Federal Way car insurance?

    Personal injury protection coverage is mandatory in no-fault states and offers protection for medical costs, lost income, and funeral expenses for both drivers and passengers in Federal Way. In contrast, MedPay coverage is accessible in at-fault states such as Washington and assists policyholders in covering medical and funeral expenditures, but it does not include compensation for lost wages. Unlike PIP, MedPay does not come with a deductible.

  • How do the locations of Federal Way motorists affect the cost of their car insurance premiums?

    The locations of Federal Way motorists affect their car insurance premiums because some cities have specific insurance requirements or laws that can impact rates. The frequency of accidents in certain areas also determines premium costs. Some regions have higher accident rates owing to factors such as road conditions, weather patterns, or local driving behaviors. Furthermore, regions with higher crime rates may necessitate higher premiums to accommodate the increased risks.

  • Can Federal Way car owners add family members or other people to their car insurance policies?

    Car owners in Federal Way must ensure that anyone who regularly operates their vehicle is properly listed on their insurance policies. This includes both family members and individuals who frequently use the policyholder's car. Do note that almost all insurance plans require car owners to disclose such individuals. This removes uncertainty regarding insurance coverage in the event of a car accident.

  • Which driving infractions in Federal Way could lead to an increase in car insurance premiums?

    Certain traffic infractions in Federal Way have the potential to result in an increase in car insurance premiums, including speeding. A speeding ticket in Washington State typically leads to an average insurance rate increase of 18%. Other driving offenses that can impact insurance rates include driving with a suspended driver's license, operating a vehicle without insurance coverage, and engaging in reckless driving.

  • When is the ideal time for Federal Way car owners to reassess their car insurance protections?

    Car owners in Federal Way should review their car insurance policies in the event of an improvement in their credit scores. They must also consider reassessing their insurance plans when adding a teenage driver to their policies because young drivers have higher risk levels. Policyholders who are planning to relocate to another city or state are advised to reevaluate their policies, as each postal code comes with a different rate.