Find Car Insurance in Spokane Valley, Washington

What You Should Know About Car Insurance in Spokane Valley, WA

At the eastern border of Washington, the region of Spokane Valley existed as a series of unincorporated areas until 2003, when residents of these communities voted to combine and form a city. It is currently a suburb of Spokane and enjoys the amenities and benefits of its location near the city and in an economically strong metropolitan area. Citizens of the Valley also benefit from the many educational institutions that neighboring Spokane offers and share in the pride of the Division I Gonzaga Bulldogs sports teams.

Spokane Valley has a good school system and lots of green spaces, from the Centennial Trail that runs along the Spokane River to over a dozen locally maintained parks that include sports fields, waterways, and a waterfall, with lots of preserved areas. Due to its suburban character, you pretty much need a car to get around the Valley, all the more reason to talk to an expert agent to help you find the best auto insurance at the best price in Washington.

How Much Does Car Insurance Cost in Spokane Valley, Washington?

Residents of Spokane Valley are fortunate that car insurance in Washington is significantly lower than the U.S. average. The national average for a full coverage policy is approximately $2,014, while in Washington, you would pay about $1,410. A minimum liability policy costs $622 nationally, while the state average is even more affordable at $515. Your final rate will depend on many factors that may reduce your premiums further or cause them to increase.

Why Is Insurance in Spokane Valley So Cheap?

Compared to other cities, Spokane Valley has fairly good driving conditions. Because it is suburban in nature, it does not have any major business areas that draw the type of heavy traffic that is conducive to accidents. Although there are many crashes in town, it is considered fairly few for a municipality with more than 100,000 residents. Additionally, crime rates are relatively low in the city.

Crime and crash rates are factors that insurers review as they determine your rate. While it is hard to figure out an exact reason why rates are low, these two factors surely play a role in keeping premiums in check.

Affordable Car Insurance Rates Comparison by Cities in Spokane Valley

Premiums in Washington are fairly low compared to the rest of the country, and Spokane Valley has even more affordable rates than the state average, as you can see in the table below:

City	Full Coverage Insurance	Liability Insurance Coverage
Spokane Valley	$100	$36
Airway Heights	$103	$36
Deer Park	$105	$36
Millwood	$102	$37
Spokane	$110	$40

How Bundling Your Car and Homeowners Insurance Can Save You Money in Spokane Valley

Have you ever considered getting your car insurance and homeowners insurance from the same provider? Doing so would be called “bundling” policies and means you only have a relationship with one company, which makes paying your bills and signing up for policies easier. As a savvy shopper, you would likely appreciate that bundling your home and auto insurance can also save you up to 25% on both policies.

If you are interested in bundling but do not have the time or patience to start comparing quotes from multiple providers and checking which will provide you with the best bundling offer, you can still take advantage of this discount. Your InsureOne agent does all of that work for you so you can spend your time however suits you best. You will appreciate the white-glove experience even more when your agent delivers a personalized package of policies that meets your specifications at very affordable rates.

What Types of Car Insurance Discounts Are Available in Spokane Valley?

Just when it seems that your rate is final and cannot get any better, your agent might bring you the good news that you may be entitled to discounts that lower your insurance premiums even more. The industry has many standard discounts and some that not every provider offers. Ask your agent about these and other discounts you might be entitled to:

• Good driver discount
• Low-mileage discount
• Retention discount
• Usage-based (telematics) discount
• Student discount

Notable Car Insurance Laws in Spokane Valley

The state of Washington imposes laws on insurers that operate within its territory. All municipalities within the state, including Spokane Valley, follow these statutes. Here are some examples of Washington laws that affect your car insurance:

What Are the Mandatory Car Insurance Requirements in Spokane Valley?

If you live in Washington, you must have a policy in place before you operate a vehicle. The reason for this is that if you cause an accident, the state wants to make sure you have a way to pay for the damages you cause. The minimum levels of coverage you must obtain include:

• $25,000 liability coverage for bodily injury per person
• $50,000 liability coverage for bodily injury per accident
• $10,000 liability coverage for property damage

You can always increase these levels, which might be a good idea. If you total even a moderately priced vehicle, it may cost you well beyond $10,000, and you would have to pay for some of the damages out of pocket. Your agent can discuss how much it would cost to go beyond the minimums, and you may be pleasantly surprised at how affordable it could be.

What Is the Penalty for Driving Without Insurance in Spokane Valley?

The minimums mentioned above are enforced by the state and local police. If you are caught driving without a policy, you will have to pay a $250 fine and $25 in court fees, with fines increasing each time an officer catches you. You might also be charged with a misdemeanor and get your license suspended if you have multiple violations for driving without coverage. Your license could actually get revoked for three years, even after a first offense, if you are at fault for an accident in which the damages total more than $1,000.

What Factors Go Into My Car Insurance Cost in Spokane Valley?

Where you live makes a huge difference to insurers because of local conditions such as accident rates, crime rates, and other such variables. There are many more details your provider will review before giving you a quote, including the following.

• How many miles you drive in a year
• If you use the vehicle to drive to work or for family purposes
• Your driving record
• The type of vehicle you want to insure
• Your claims history

Typical Driving Conditions in Spokane Valley

The Valley was traditionally an area people moved to in order to get away from city life. It was developed as a series of suburban communities, and in typical suburban style, many homes were built on cul-de-sacs and dead-end streets. Because the grid is not entirely connected, the main roads, such as Sprague Avenue, Mission Avenue, University Road, and Argonne Road, are the primary means of leaving the city, and they can get congested. Many apartments were already built, and more might come, which could further exacerbate driving conditions.

How Many Car Accidents Happen in Spokane Valley Per Year?

The Washington State Department of Transportation tracks the number of crashes that occur in its municipalities. According to the department’s data, the following 2024 statistics apply to Spokane Valley and its neighboring cities:

City	Total Crashes
Spokane Valley	1,233
Airway Heights	161
Deer Park	19
Millwood	28
Spokane	3,679

How Many Uninsured/Underinsured Motorists Are in Spokane Valley?

Uninsured motorists are a nuisance to other drivers. If they are at fault for an accident and cannot afford to pay for the damages they caused, the other party might not be able to recoup their losses, unless they have uninsured/underinsured motorist coverage. The Insurance Information Institute reports that 19.1% of Washington’s drivers did not have any coverage in 2023, which means that if you drive in the state, it is important to discuss adding coverage to your policy to account for these drivers.