Cheap Quotes for Spokane Valley, WA Car Insurance (2021)

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.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 14, 2022

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Things to Know

  • 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.

Minimum Required Car Insurance Coverage in Spokane Valley, 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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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.

Annual Car Insurance Rates by ZIP Code in Spokane Valley, Washington

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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Spokane Valley, 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 $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.

Annual Car Insurance Rates for Teen Drivers in Spokane Valley, Washington

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.

Annual Car Insurance Rates for Senior Drivers in Spokane Valley, Washington

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.

Annual Car Insurance Rates by Coverage Level in Spokane Valley, Washington

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

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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.

Annual Spokane Valley, Washington Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates After a DUI in Spokane Valley, Washington

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.

Annual Car Insurance Rates by Credit Score in Spokane Valley, Washington

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.

Annual Car Insurance Rates by Commute Length in Spokane Valley, Washington

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

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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.

Best Annual Car Insurance Rates by Company in Spokane Valley, Washington

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.

Average Annual Car Insurance Rates by Company in Spokane Valley, Washington

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.

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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.

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