Compare Spokane Valley, WA Car Insurance Rates (2021)

Car insurance in Spokane Valley, WA averages $232 a month. Spokane Valley, Washington car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Spokane Valley car insurance rates, compare quotes from the top car insurance companies in Spokane Valley, WA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Spokane Valley for teen drivers is Nationwide
  • The cheapest car insurance company in Spokane Valley is Nationwide
  • Average car insurance rates in Spokane Valley, WA after a DUI are $3,252/year

If you need to buy Spokane Valley, Washington car insurance, the options can be confusing. Everything you need to know about car insurance in Spokane Valley, WA is right here.

You’ll find Spokane Valley car insurance rates, the cheapest Spokane Valley, WA car insurance companies, and information on Washington car insurance laws. You can also compare Spokane Valley, Washington car insurance rates to Kent car insurance rates, Federal Way car insurance rates, and Spokane car insurance rates.

Ready to find affordable Spokane Valley, WA car insurance today? Enter your ZIP code for fast, free Spokane Valley car insurance quotes.

Cheapest Spokane Valley, WA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Spokane Valley, WA car insurance rates? Every Spokane Valley, Washington car insurance company weighs these factors differently, so check out the comparison rates.

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

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Minimum Car Insurance in Spokane Valley, WA

Every driver must carry the minimum car insurance in Spokane Valley, WA. Take a look at the Washington car insurance requirements.

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

Cheapest Spokane Valley, WA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Spokane Valley, WA. Compare credit history car insurance rates in Spokane Valley from top companies for good, fair, and poor credit.

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

Cheapest Spokane Valley, WA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Spokane Valley, WA to rates for a clean record with top 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

Cheapest Spokane Valley, WA Car Insurance for Teen Drivers

Teen car insurance in Spokane Valley, WA can be expensive. Take a look at rates from the top car insurance companies in Spokane Valley for teenagers.

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

Cheapest Spokane Valley, WA Car Insurance for Seniors

Take a look at Spokane Valley, WA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

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

Cheapest Spokane Valley, WA Car Insurance Rates After a DUI

A DUI in Spokane Valley, WA increases car insurance rates. Compare Spokane Valley, Washington DUI car insurance by company to find the cheapest option.

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

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Cheapest Spokane Valley, WA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Spokane Valley, WA by commute? Take a look at a comparison of the top companies by commute length.

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

Cheapest Spokane Valley, WA Car Insurance Rates by ZIP Code

Spokane Valley car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Spokane Valley, WA.

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

ZIP Code Average Annual Rates
99037 $2,762
99216 $2,789

The Best Cheap Car Insurance Companies in Spokane Valley, WA

Take a look at a side-by-side comparison of the top car insurance companies in Spokane Valley, WA to find the best option for your needs.

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

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Category Winners: Cheapest Car Insurance in Spokane Valley, Washington

Find the cheapest car insurance companies in Spokane Valley, WA for each category right here.

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

Cheapest Spokane Valley, WA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Spokane Valley car insurance rates. Find the cheapest Spokane Valley, WA car insurance rates by coverage level.

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

What affects car insurance rates in Spokane Valley, Washington?

What factors can have an impact on Spokane Valley, WA car insurance? There are several reasons why Spokane Valley car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Spokane Valley, Washington.

Car Theft in Spokane Valley

High levels of vehicle theft can make car insurance more expensive. Spokane Valley, WA car theft statistics from the FBI indicate 353 vehicle thefts a year.

Commute Time in Spokane Valley

The more time you spend in your car the higher the risk of an accident. The average commute length in Spokane Valley, WA is 20.7 minutes according to City-Data.

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Compare Car Insurance Quotes in Spokane Valley, WA

Ready to find affordable Spokane Valley, Washington car insurance today? Enter your ZIP code for fast, free Spokane Valley, WA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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