Auto insurance costs an average of $104 per month in Spokane Valley. If you're paying too much, compare rates and save.
The average car insurance rate in Spokane Valley is $1,256 per year. That's less expensive than the Washington average ($1,368) and cheaper than the nationwide average of $1,548. Our guide to Spokane Valley auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to discover more.
| Spokane Valley Average (annual) | Washington Average | National Average |
| $1,256 | $1,368 | $1,548 |
One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical driver, PEMCO Insurance offers Spokane Valley's most affordable premiums. We've listed the best cheap car insurance companies in Spokane Valley below. Use this information as a starting point and make sure to seek out quotes specific to your unique driving profile.
| Insurance Company | Average Annual Rate |
| PEMCO Insurance | $851 |
| USAA | $870 |
| Progressive | $1,151 |
| State Farm | $1,168 |
| Allstate | $1,629 |
Read our guide to finding the best cheap auto insurance.
Spokane Valley drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,113 per year, on average. Drivers in their 60s pay marginally higher rates — $1,140 per year.
Teenage drivers pay Spokane Valley's most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Spokane Valley is to celebrate your 20th birthday. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Spokane Valley is $3,539, the largest such difference between any two age brackets.
| Age tier | Average Yearly Rate |
| Teenagers | $5,164 |
| 20s | $1,625 |
| 30s | $1,254 |
| 40s | $1,189 |
| 50s | $1,113 |
| 60s | $1,140 |
| 70s | $1,404 |
Dive into the data on car insurance and age.
In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Spokane Valley pay $59 less than single drivers for auto insurance.
Gender is another factor that can affect auto insurance rates. In Spokane Valley, female drivers pay $27 per year more than do male drivers.
| Marital Status/Gender | Average Yearly Rate |
| Female | $1,283 |
| Male | $1,256 |
| Single | $1,256 |
| Married | $1,197 |
| Divorced | $1,256 |
| Widowed | $1,234 |
Read more about the relationships between gender, marital status and insurance premiums.
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets can dramatically increase your car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Spokane Valley drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $516 per year when compared to the city average. A ticket for speeding results in a $269 rate hike, on average, while a DUI violation costs $555per year in insurance premiums.
| Violation/Incident | Average Annual Rate |
| DWI/DUI | $1,811 |
| Reckless Driving | $1,772 |
| At-fault Accident (damages less than $1,000) | $1,700 |
| At-fault Accident (damages greater than $2,000) | $1,840 |
| Speeding Ticket (16-20 mph over speed limit) | $1,525 |
Learn more about how citations can raise your auto insurance rates.
An important insurance rating factor in most states is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Spokane Valley drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 56% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a great way to bring down the cost of your auto insurance. In Spokane Valley, improving your credit to "Fair" could help you earn $453 in savings on insurance premiums each year.
| Credit Tier | Average Rate (annual) |
| Very Poor | $2,401 |
| Fair | $1,948 |
| Good | $1,607 |
| Very Good | $1,323 |
| Exceptional | $1,065 |
Discover more about the relationship between credit scores and car insurance rates.