Table of contents
How much is car insurance in Spanaway?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $23 a month more expensive to insure your vehicle in Spanaway than it is in the rest of Washington.
Similarly, residents of Spanaway might expect to pay higher rates for coverage than the rest of the country. The average monthly payment in Spanaway is about $18 more expensive than the rate for the rest of the U.S.
Although these are the average monthly costs for an auto insurance policy in Spanaway, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But don't worry, we've broken down the average rate 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 below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates creep back up once you hit retirement in Spanaway.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The difference in average rates in Spanaway totals about $14 a month. As illustrated in the table above, male drivers in the area pay about $105 on average, while female drivers pay around $91 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Spanaway with a single accident on their record will usually see rates around $135 a month. In addition, drivers with one ticket can expect to pay around $123 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$85|
|15 Years or Older||$96|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Spanaway, with drivers paying around $95 per month for insurance coverage.
SUV drivers will see rates of about $105, while the rates for car owners average out to about $97 per month.
Vehicle age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Spanaway are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$101|
Overall, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Spanaway, with married couples paying about $20 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$160|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $20 a month more than if you own your own home in Spanaway. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Spanaway, WA
Recent trends in car insurance for Spanaway drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The cost of car insurance in Spanaway went up from 2016-2018, before leveling out in 2019. Rates finished down in 2021, at $94 a month
How does Spanaway compare to neighboring areas?
Why are car insurance rates in Spanaway different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Frequency of car accidents
- Community regulations
- Amount of drivers in the area
- Regional crime rates
- Access to off-street parking
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Spanaway?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com will handle the heavy lifting for you. Just punch in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing plans in Spanaway.
Spanaway Insurance FAQs
What factors affect car insurance quotes in Spanaway?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Spanaway different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Spanaway?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Spanaway?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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.