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How much is car insurance in Spanaway?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $22 a month more expensive to insure your vehicle in Spanaway than it is in the rest of Washington.
Likewise, drivers in Spanaway may pay higher rates than the rest of the country. It's around $17 more expensive for coverage in Spanaway than the average rates seen in the rest of the U.S.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. The amount that insurance companies end up charging you is determined by a number of factors. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Spanaway residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. You may see your rates creep back up a bit once you hit retirement age in Spanaway.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Spanaway, the difference comes out to about $13 per month. Based on the chart above, you can see that female drivers pay around $92 on average, while male drivers typically pay $105 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Spanaway, a driving record with one accident will usually get you a rate around $136 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $177.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$85|
|15 Years or Older||$96|
In terms of affordable coverage, the cheapest vehicles to insure in Spanaway are typically cars, at $96 per month.
SUV owners will see rates of about $100, while truck and van owners usually pay around $106 a month.
Vehicle age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Spanaway, vehicles six-to-seven years old and four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$101|
On average, people who are married will pay slightly less for car insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Spanaway can be as much as $15 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$160|
Another factor taken into consideration is your housing status. Renters can expect to pay around $17 a month more than those who own their own home in Spanaway. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
Car Insurance Companies in Spanaway, WA
Recent trends in car insurance for Spanaway drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
In Spanaway, the rates for auto insurance went up from 2017-2018, before steadying out in 2019. Rates began rising again in 2020, and finished down in 2022, at $81 per month.
How does Spanaway compare to neighboring areas?
Why are car insurance rates in Spanaway different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Amount of drivers in the community
- Community regulations
- Prevalence of crime
- Access to off-street parking
- Rate of car accidents
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Spanaway?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing coverage in Spanaway.
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Spanaway Insurance FAQs
What factors affect car insurance quotes in Spanaway?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Spanaway different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Spanaway?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Spanaway?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Spanaway or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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