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Get Cheap Car Insurance in Spokane Valley, WA
We monitor insurance prices, helping the average driver in Spokane Valley save up to 34.8% on car insurance.
The Cheapest Minimum Coverage in Spokane Valley
The chart below shows the cheapest car insurance company in Spokane Valley for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by State Farm, Progressive, and Geico.
| Spokane Valley Insurer | Monthly Cost |
|---|---|
| Metromile | $48 |
| State Farm | $54 |
| Progressive | $59 |
| Geico | $64 |
Savings for Every Kind of Spokane Valley Driver
Based on our extensive insurance data, we know the average Spokane Valley driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $408 per year by choosing the right vehicle insurance company. Some Spokane Valley residents are paying out over $1,392 extra every year for auto insurance in Spokane Valley. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Spokane Valley, WA Savings / Yr. |
|---|---|
$408 |
|
$720 |
|
$519 |
|
$393 |
|
$1,490 |
|
$282 |
|
$483 |
Spokane Valley Car Insurance vs. Washington
People living in Spokane Valley pay an average of 0.84% less than the typical driver in the state. The average driver in Spokane Valley can expect to pay about $837 per year, or $1,392 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Spokane Valley for most people.
Car Insurance Prices by Spokane Valley Neighborhood
Insurance Prices
Where is insurance cheapest within Spokane Valley?
The map shows insurance prices in and around Spokane Valley, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $275 per year within the city boundaries, with insurance premiums ranging from a high of $1,572 to a low of $1,297. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Central parts of Spokane Valley.Pick the Best Car Insurance Company for You in Spokane Valley
The best car insurance provider for most drivers in Spokane Valley
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $408 over the average Spokane Valley car insurance company.
The best car insurance provider for Spokane Valley drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $720 over the competition.
The best car insurance company for Spokane Valley drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $519 better than other car insurance companies.
The best auto insurance for Spokane Valley drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $393 less each year.
The least expensive car insurance company for new and young drivers in Spokane Valley
In Spokane Valley, State Farm costs young drivers $1,490 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Spokane Valley
State Farm gave the largest car insurance discounts to married couples, averaging $282 saved each year compared to an average Spokane Valley couple's premiums.
The cheapest car insurance in Spokane Valley for drivers with bad credit
The best Spokane Valley car insurance company for customer service
Nationwide was the best company for customer service in Spokane Valley according to the NAIC.
Recent price drops
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The cheapest large national provider in Spokane Valley
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Spokane Valley driver can expect to pay about $98 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Spokane Valley, USAA has the best prices for young drivers, married couples, drivers with bad credit, drivers with accidents, drivers with speeding tickets, drivers with a DUI conviction, and good drivers.Auto Insurance Prices in and Around Spokane Valley
What Influences the Cost of Car Insurance in Spokane Valley?
On average, car insurance in Spokane Valley is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Spokane Valley is 24 minutes, which is far less than average for a driver in the state.
- Washington state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Spokane Valley are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Spokane Valley is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Spokane Valley is $70 per month for minimum coverage and $116 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Millwood: Insurance costs 5.03% less
- Veradale: Insurance costs 1.22% less
- Greenacres: Insurance costs 1.36% less
- Otis Orchards: Insurance costs 1.51% more
- Spokane: Insurance costs 0.93% more
- Liberty Lake: Insurance costs 2.08% less
- Mica: Insurance costs 3.95% less
- Valleyford: Insurance costs 4.31% less
- Country Homes: Insurance costs 2.01% more
- Mead: Insurance costs 0.50% less
Cities with Similar Populations
- Overland Park: Insurance costs 12.86% more
- Oviedo: Insurance costs 80.60% more
- Palatine: Insurance costs 15.30% more
- Oshkosh: Insurance costs 22.56% less
- Palm Coast: Insurance costs 77.16% more
- Palm Harbor: Insurance costs 102.66% more
- Palo Alto: Insurance costs 46.26% more
- Palmdale: Insurance costs 65.01% more
- New Bedford: Insurance costs 31.82% more
- Newark: Insurance costs 76.80% more