Cheap Quotes for Spokane Valley, WA Car Insurance (2024)
Spokane Valley, Washington car insurance rates average $232 a month and Washington law requires coverage of at least 25/50/10. By comparing rates from multiple Spokane Valley, WA companies, you can find cheap Spokane Valley car insurance quotes to fit your needs and budget.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Spokane Valley, WA for senior drivers are $1,495/year
- Average car insurance rates in Spokane Valley, WA after a DUI are $3,252/year
- Average car insurance rates in Spokane Valley, WA are $232/month
How do the Spokane Valley, Washington monthly average car insurance rates of $232/month compare to nearby cities like Spokane car insurance rates, Tacoma car insurance rates, and Vancouver car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Spokane Valley, WA.
We’ll cover the Washington minimum coverage requirements, Washington car insurance laws, and Spokane Valley, WA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Spokane Valley, Washington companies to find the most affordable Spokane Valley car insurance rates.
Enter your ZIP code above to find cheap Spokane Valley, WA car insurance quotes today.
What are the minimum Spokane Valley, WA car insurance requirements?
To meet Washington minimum car insurance coverage requirements, Spokane Valley, WA drivers need to carry at least 25/50/10 coverage.
| 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 |
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
Average Spokane Valley, WA Car Insurance Rates by ZIP Code
Where you live is a major determinate of your car insurance rates. Even within Spokane Valley, WA you can see that rates will vary by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 99037 | $2,762 |
| 99216 | $2,789 |
How do age, gender, and marital status affect Spokane Valley, WA car insurance rates?
Three of the criteria that most affect car insurance rates in Spokane Valley, Washington are age, gender, and marital status. Let’s take a look at how each of these stack up with top Spokane Valley car insurance companies.
| 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 | $1,931 | $1,917 | $1,785 | $1,867 | $6,564 | $7,582 | $2,057 | $2,142 |
| American Family | $1,834 | $1,834 | $1,675 | $1,675 | $6,979 | $9,522 | $1,834 | $2,455 |
| Farmers | $1,836 | $1,884 | $1,681 | $1,898 | $4,171 | $4,479 | $2,310 | $2,408 |
| Geico | $1,814 | $1,846 | $1,702 | $1,702 | $3,961 | $5,173 | $3,076 | $2,232 |
| Liberty Mutual | $1,658 | $1,815 | $1,488 | $1,743 | $9,072 | $10,008 | $1,780 | $1,944 |
| Nationwide | $1,253 | $1,280 | $1,167 | $1,213 | $3,360 | $4,081 | $1,492 | $1,607 |
| Progressive | $1,358 | $1,267 | $1,226 | $1,241 | $6,880 | $7,698 | $1,620 | $1,608 |
| State Farm | $1,572 | $1,572 | $1,413 | $1,413 | $4,544 | $5,757 | $1,787 | $2,060 |
| USAA | $1,050 | $1,036 | $1,010 | $1,010 | $4,447 | $5,260 | $1,323 | $1,448 |
How much do teen drivers pay for car insurance in Spokane Valley, WA?
Spokane Valley, Washington car insurance rates for teens are often higher than rates for other drivers. Compare Spokane Valley car insurance rates from multiple Spokane Valley, Washington car insurance companies to get the best deal.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,564 | $7,582 |
| American Family | $6,979 | $9,522 |
| Farmers | $4,171 | $4,479 |
| Geico | $3,961 | $5,173 |
| Liberty Mutual | $9,072 | $10,008 |
| Nationwide | $3,360 | $4,081 |
| Progressive | $6,880 | $7,698 |
| State Farm | $4,544 | $5,757 |
| USAA | $4,447 | $5,260 |
How much do senior drivers pay for car insurance in Spokane Valley, WA?
With a little research, seniors can find affordable car insurance in Spokane Valley, Washington. Here’s a look at how the top Spokane Valley car insurance companies stack up.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,785 | $1,867 |
| American Family | $1,675 | $1,675 |
| Farmers | $1,681 | $1,898 |
| Geico | $1,702 | $1,702 |
| Liberty Mutual | $1,488 | $1,743 |
| Nationwide | $1,167 | $1,213 |
| Progressive | $1,226 | $1,241 |
| State Farm | $1,413 | $1,413 |
| USAA | $1,010 | $1,010 |
How does coverage level affect Spokane Valley, WA car insurance rates?
How much coverage do you need? Are you comfortable with the Washington minimum of 25/50/10 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Spokane Valley, WA car insurance rates will be. Let’s take a look.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,075 | $3,221 | $3,395 |
| American Family | $3,283 | $3,472 | $3,674 |
| Farmers | $2,410 | $2,586 | $2,754 |
| Geico | $2,527 | $2,690 | $2,847 |
| Liberty Mutual | $3,469 | $3,694 | $3,902 |
| Nationwide | $1,827 | $1,931 | $2,036 |
| Progressive | $2,579 | $2,783 | $3,225 |
| State Farm | $2,355 | $2,525 | $2,665 |
| USAA | $1,944 | $2,072 | $2,203 |
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
How does your driving record affect Spokane Valley, WA car insurance rates?
Safe driving pays off. The more traffic violations you have in Spokane Valley, WA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Spokane Valley, Washington companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,733 | $3,390 | $3,752 | $3,047 |
| American Family | $2,787 | $3,570 | $4,132 | $3,417 |
| Farmers | $2,137 | $2,658 | $2,882 | $2,656 |
| Geico | $2,075 | $2,653 | $3,949 | $2,075 |
| Liberty Mutual | $3,151 | $3,959 | $4,044 | $3,601 |
| Nationwide | $1,508 | $2,031 | $2,541 | $1,646 |
| Progressive | $2,319 | $3,632 | $2,702 | $2,796 |
| State Farm | $2,287 | $2,743 | $2,515 | $2,515 |
| USAA | $1,528 | $2,208 | $2,751 | $1,805 |
How does a DUI affect Spokane Valley, WA car insurance rates?
With even one DUI on your record, you can see an increase in your Spokane Valley, WA car insurance rates.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,752 |
| American Family | $4,132 |
| Farmers | $2,882 |
| Geico | $3,949 |
| Liberty Mutual | $4,044 |
| Nationwide | $2,541 |
| Progressive | $2,702 |
| State Farm | $2,515 |
| USAA | $2,751 |
How does your credit history affect Spokane Valley, WA car insurance rates?
Take a look at the data here to see how your Spokane Valley, Washington car insurance rates are affected by your credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,008 | $3,058 | $2,625 |
| American Family | $4,102 | $3,351 | $2,976 |
| Farmers | $3,147 | $2,383 | $2,220 |
| Geico | $3,200 | $2,560 | $2,304 |
| Liberty Mutual | $5,270 | $3,246 | $2,550 |
| Nationwide | $2,295 | $1,809 | $1,691 |
| Progressive | $3,153 | $2,814 | $2,620 |
| State Farm | $3,655 | $2,190 | $1,700 |
| USAA | $2,615 | $1,918 | $1,686 |
How does your commute affect Spokane Valley, WA car insurance rates?
Spokane Valley, WA car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Washington can be seen here. Remember, though, that you may have to carry substantially more car insurance in Spokane Valley if you’re financing.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,230 | $3,230 |
| American Family | $3,405 | $3,547 |
| Farmers | $2,583 | $2,583 |
| Geico | $2,654 | $2,722 |
| Liberty Mutual | $3,689 | $3,689 |
| Nationwide | $1,931 | $1,931 |
| Progressive | $2,862 | $2,862 |
| State Farm | $2,446 | $2,584 |
| USAA | $2,052 | $2,094 |
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
Who has the cheapest Spokane Valley, WA car insurance rates?
Here’s a breakdown of Spokane Valley, Washington car insurance rates by company. You can see which company offers the cheapest Spokane Valley car insurance rates in each category.
| Category | Insurance Company |
|---|---|
| Teenagers | Nationwide |
| Seniors | USAA |
| Clean Record | Nationwide |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Nationwide |
What are the top Spokane Valley, WA car insurance companies?
Which Spokane Valley, Washington car insurance company will best fit your needs and budget? Check out this comparison of the top Spokane Valley companies to find the one for you.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,230 |
| American Family | $3,476 |
| Farmers | $2,583 |
| Geico | $2,688 |
| Liberty Mutual | $3,689 |
| Nationwide | $1,931 |
| Progressive | $2,862 |
| State Farm | $2,515 |
| USAA | $2,073 |
What factors affect Spokane Valley, WA car insurance rates?
Why are Spokane Valley, Washington car insurance rates different than rates in Spokane or Tacoma? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.
What is the car theft rate in Spokane Valley, WA?
FBI statistics show that the Spokane Valley, Washington car theft rate is 353 thefts each year. High theft rates can lead to higher than average Spokane Valley, WA car insurance rates.
How long is the average commute in Spokane Valley, WA?
More time spent behind the wheel can lead to higher Spokane Valley, Washington car insurance rates. In Spokane Valley, WA, the average commute length is 20.7 minutes.
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
Car Insurance Quotes for Spokane Valley, WA
Shop for affordable Spokane Valley, Washington car insurance rates today. Enter your ZIP code to compare quotes from multiple Spokane Valley, WA car insurance companies.
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.