Car Insurance in Spokane Valley, WA
Comparing options for car insurance in Spokane Valley can help you get personalized coverage for your needs.
Spokane Valley may be a suburb of Spokane, WA, but it's also a charming city in its own right. With a population of 100,000 and over 250 acres of parkland, this location offers comfort and convenience for families. Almost 50% of local households are married couples, and about 12,000 have kids. For many families, safety is paramount, and that applies to vehicles as much as to the home.
Over 85% of families in Spokane Valley take a vehicle to work, either by driving (78%) or carpooling (9%). Being in the Spokane metro area means public transportation is available, but only 2% of workers use it for commuting.
There are roughly 260 work days in the average year. People who commute week in and week out need high-quality car insurance in Spokane Valley. There are just too many chances for accidents to happen on Hwy 27, Hwy 290 or I-90. The interstate carries an average of 120,000 vehicles into Spokane every day, a massive amount of traffic.
In Spokane Valley, car accidents can occur unexpectedly. Sometimes they don't even involve other cars. Drivers can lose control of their vehicles because of icy roads, snow, slush or rain. Considering the region has more than 120 days with freezing nighttime temperatures, ice is a real hazard that drivers must prepare for.
Spokane Valley also gets 42 inches of snow every year, significantly more than the U.S. average of 28 inches. Snowfall happens a whopping six months of the year. Interestingly, December is also the month with the highest average amount of rainfall, adding to the risk of unexpected ice.
When putting together a custom policy for car insurance in Spokane Valley, collision coverage is a smart option. This type of insurance helps with vehicle repairs or replacement in many situations:
With good insurance, drivers can recover from crash damages as quickly as possible. The majority of local families own two cars ” 30% own three or four ” and families depend on vehicles every day for work, groceries, child needs and fun activities.
In Spokane Valley, there were nearly 2,000 car crashes in 2021 alone. About one-fourth (475) of those accidents caused injuries, and 10 were fatal. On average, there were 38 accidents every week. Daily commuters have to worry about Spokane County's 7,000 crashes a year.
Parents who drop their kids off at school or daycare on the way to work can benefit by checking car insurance policies and coverage limits with VIU by HUB. Basic coverage may not provide compensation for medical expenses in the event of an accident. Getting sufficient personal injury insurance is an investment that often benefits the entire family.
The cost of Spokane Valley auto insurance is roughly equal to the Washington state average: $1,300 a year. This is less expensive than other parts of the country, potentially giving families more flexibility in choosing policies.
VIU by HUB is a helpful tool for comparing available options for car insurance in Spokane Valley. See average costs for basic coverage, full coverage, collision insurance, theft insurance and personal injury protection for every driver in the family.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
