Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • The annual number of car thefts in Cheney is 13.
  • The cheapest car insurance company in Cheney for teen drivers is Nationwide
  • Average car insurance rates in Cheney, WA are $229/month

Average car insurance rates in Cheney, Washington are $229 a month. But with a little research you can get a great deal from the top car insurance companies in Cheney, WA. Before you buy Cheney, Washington car insurance, make sure your coverage meets or exceeds the Washington minimum of 25/50/10.

It may even be helpful to compare Cheney car insurance rates with Spokane Valley car insurance rates, Everett car insurance rates, or Kent car insurance rates to make sure you’re getting the best Cheney, WA car insurance quotes available.

Need affordable Cheney, WA car insurance? Enter your ZIP code to compare Cheney car insurance quotes from multiple car insurance companies near you.

Cheney, WA Minimum Car Insurance Coverage

Cheney, Washington law requires drivers carry a minimum of 25/50/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Cheney, Washington

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheney, WA Car Insurance Rates by Coverage Level

Some Cheney drivers can get by with the Washington minimum coverage of 25/50/10. Other drivers may need more. See how much your Cheney, Washington car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Cheney, Washington

Insurance Company Low Medium High
Allstate $2,999 $3,168 $3,368
American Family $3,267 $3,430 $3,606
Farmers $2,366 $2,539 $2,706
GEICO $2,302 $2,439 $2,569
Liberty Mutual $3,469 $3,694 $3,902
Nationwide $1,923 $2,027 $2,132
Progressive $2,539 $2,711 $3,078
State Farm $2,355 $2,525 $2,665
USAA $2,035 $2,162 $2,295

Cheney, WA Car Insurance Rates by Age, Gender, and Marital Status

Cheney, Washington car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Cheney, WA car insurance, get quotes from multiple car insurance companies in the Cheney area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cheney, Washington

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,891 $1,871 $1,751 $1,832 $6,494 $7,499 $2,007 $2,080
American Family $1,813 $1,813 $1,653 $1,653 $6,852 $9,417 $1,813 $2,461
Farmers $1,807 $1,854 $1,655 $1,867 $4,088 $4,386 $2,272 $2,367
GEICO $1,650 $1,681 $1,551 $1,551 $3,567 $4,680 $2,780 $2,035
Liberty Mutual $1,658 $1,815 $1,488 $1,743 $9,072 $10,008 $1,780 $1,944
Nationwide $1,317 $1,347 $1,224 $1,274 $3,512 $4,286 $1,565 $1,691
Progressive $1,331 $1,246 $1,195 $1,211 $6,619 $7,417 $1,595 $1,594
State Farm $1,572 $1,572 $1,413 $1,413 $4,544 $5,757 $1,787 $2,060
USAA $1,088 $1,073 $1,046 $1,045 $4,663 $5,526 $1,372 $1,501

Cheney, WA Car Insurance Rates for Teens

How much is Cheney, Washington car insurance for teens? Compare rates from top Cheney car insurance companies below to help find the cheapest teen car insurance in Cheney, WA.

Annual Car Insurance Rates for Teen Drivers in Cheney, Washington

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,494 $7,499
American Family $6,852 $9,417
Farmers $4,088 $4,386
GEICO $3,567 $4,680
Liberty Mutual $9,072 $10,008
Nationwide $3,512 $4,286
Progressive $6,619 $7,417
State Farm $4,544 $5,757
USAA $4,663 $5,526

Cheney, WA Car Insurance Rates for Seniors

Before seniors buy Cheney, Washington car insurance, they should make sure to shop around. Some Cheney, WA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Cheney, Washington

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,751 $1,832
American Family $1,653 $1,653
Farmers $1,655 $1,867
GEICO $1,551 $1,551
Liberty Mutual $1,488 $1,743
Nationwide $1,224 $1,274
Progressive $1,195 $1,211
State Farm $1,413 $1,413
USAA $1,046 $1,045

Cheney, WA Car Insurance Rates by Credit History

How does your credit history affect Cheney, WA car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Cheney, Washington

Insurance Company Poor Fair Good
Allstate $3,946 $3,008 $2,580
American Family $4,058 $3,308 $2,937
Farmers $3,093 $2,338 $2,179
GEICO $2,900 $2,321 $2,089
Liberty Mutual $5,270 $3,246 $2,550
Nationwide $2,409 $1,899 $1,774
Progressive $3,066 $2,727 $2,535
State Farm $3,655 $2,190 $1,700
USAA $2,731 $2,002 $1,760

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Cheney, WA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Cheney, Washington car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Cheney.

Annual Cheney, Washington Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,687 $3,338 $3,692 $2,996
American Family $2,762 $3,522 $4,079 $3,375
Farmers $2,101 $2,611 $2,827 $2,609
GEICO $1,875 $2,404 $3,592 $1,875
Liberty Mutual $3,151 $3,959 $4,044 $3,601
Nationwide $1,578 $2,132 $2,675 $1,724
Progressive $2,253 $3,505 $2,629 $2,718
State Farm $2,287 $2,743 $2,515 $2,515
USAA $1,595 $2,307 $2,870 $1,884

Cheney, WA Car Insurance Rates With a DUI

Even a single DUI can increase your Cheney, WA car insurance rates. Compare rates below to see which Cheney car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Cheney, Washington

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,692
American Family $4,079
Farmers $2,827
GEICO $3,592
Liberty Mutual $4,044
Nationwide $2,675
Progressive $2,629
State Farm $2,515
USAA $2,870

Cheney, WA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Cheney, WA car insurance rates may be. Let’s take a look at average car insurance rates from top Cheney companies based on commute time.

Annual Car Insurance Rates by Commute Length in Cheney, Washington

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,178 $3,178
American Family $3,363 $3,506
Farmers $2,537 $2,537
GEICO $2,406 $2,467
Liberty Mutual $3,689 $3,689
Nationwide $2,027 $2,027
Progressive $2,776 $2,776
State Farm $2,446 $2,584
USAA $2,143 $2,186

Cheney, WA Cheapest Car Insurance Rates

How do the top Cheney, Washington car insurance companies’ average rates stack up against the Cheney average monthly car insurance rates of $229? Take a look and see.

Best Annual Car Insurance Rates by Company in Cheney, Washington

Category Insurance Company
Teenagers Nationwide
Seniors USAA
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

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Cheney, WA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Cheney, Washington car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Cheney, Washington

Insurance Company Average Annual Rates
Allstate $3,178
American Family $3,434
Farmers $2,537
GEICO $2,437
Liberty Mutual $3,689
Nationwide $2,027
Progressive $2,776
State Farm $2,515
USAA $2,164

Other Factors Affecting Cheney, WA Car Insurance Rates

Before you buy Cheney, Washington car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Cheney, WA Car Theft Rates

The car theft rate in Cheney, WA will affect your car insurance rates. FBI data shows that the annual car theft rate for Cheney, Washington is 13 stolen cars.

Cheney, WA Commute Time

How does your Cheney, WA commute time compare with the average driver? In Cheney, the average commute is 19.3 minutes.

Cheney, WA Car Insurance Quotes

Compare Cheney, WA car insurance quotes from multiple companies by entering your ZIP code now.