Best Spokane, WA Car Insurance in 2025
Car insurance in Spokane, WA averages $242 a month. Spokane, Washington car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Spokane car insurance rates, compare quotes from the top car insurance companies in Spokane, WA.
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Table of Contents
Table of Contents
Published Insurance Expert
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...
Melanie Musson
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Michael Leotta
Updated December 2025
- Average car insurance rates in Spokane, WA after a DUI are $3,394/year
- Average car insurance rates in Spokane, WA are $2,904/year
- The cheapest car insurance company in Spokane is Nationwide
If you need to buy Spokane, Washington car insurance, the options can be confusing. Everything you need to know about car insurance in Spokane, WA is right here.
You’ll find Spokane car insurance rates, the cheapest Spokane, WA car insurance companies, and information on Washington car insurance laws. You can also compare Spokane, Washington car insurance rates to Bellevue car insurance rates, Seattle car insurance rates, and Vancouver car insurance rates.
Ready to find affordable Spokane, WA car insurance today? Enter your ZIP code for fast, free Spokane car insurance quotes.
Cheapest Spokane, WA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Spokane, WA car insurance rates? Every Spokane, Washington car insurance company weighs these factors differently, so check out the comparison rates.
Annual Car Insurance Rates by Age, Gender, and Marital Status in Spokane, 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 | $1,924 | $1,910 | $1,778 | $1,859 | $6,524 | $7,533 | $2,049 | $2,134 |
| American Family | $1,941 | $1,941 | $1,772 | $1,772 | $7,400 | $10,104 | $1,941 | $2,603 |
| Farmers | $2,055 | $2,108 | $1,882 | $2,128 | $4,701 | $5,048 | $2,590 | $2,698 |
| Geico | $1,800 | $1,833 | $1,689 | $1,689 | $3,928 | $5,132 | $3,051 | $2,215 |
| Liberty Mutual | $1,658 | $1,815 | $1,488 | $1,743 | $9,072 | $10,008 | $1,780 | $1,944 |
| Nationwide | $1,388 | $1,418 | $1,290 | $1,342 | $3,749 | $4,568 | $1,656 | $1,786 |
| Progressive | $1,459 | $1,361 | $1,315 | $1,332 | $7,380 | $8,256 | $1,743 | $1,732 |
| State Farm | $1,572 | $1,572 | $1,413 | $1,413 | $4,544 | $5,757 | $1,787 | $2,060 |
| USAA | $1,122 | $1,106 | $1,082 | $1,080 | $4,865 | $5,753 | $1,416 | $1,548 |
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Minimum Car Insurance in Spokane, WA
Every driver must carry the minimum car insurance in Spokane, WA. Take a look at the Washington car insurance requirements.
Minimum Required Car Insurance Coverage in Spokane, 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 |
This is not a lot of coverage, especially given the high health care costs and the increasing cost of automobiles. You can very quickly exhaust those limits and then are responsible for the remaining costs.
In order not to have to pay out of pocket in case of a major accident, drivers in Spokane, WA should consider carrying more than just the state minimum auto insurance coverage.
Washington ranks seventh in the nation for the number of uninsured drivers on the roads. This can also contribute to the cost of car insurance in Spokane.
Cheapest Spokane, WA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Spokane, WA. Compare credit history car insurance rates in Spokane from top companies for good, fair, and poor credit.
Annual Car Insurance Rates by Credit Score in Spokane, Washington
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,988 | $3,042 | $2,611 |
| American Family | $4,349 | $3,551 | $3,153 |
| Farmers | $3,537 | $2,675 | $2,492 |
| Geico | $3,175 | $2,540 | $2,286 |
| Liberty Mutual | $5,270 | $3,246 | $2,550 |
| Nationwide | $2,557 | $2,014 | $1,879 |
| Progressive | $3,384 | $3,020 | $2,813 |
| State Farm | $3,655 | $2,190 | $1,700 |
| USAA | $2,833 | $2,078 | $1,828 |
Cheapest Spokane, WA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Spokane, WA to rates for a clean record with top companies.
Annual Spokane, Washington Car Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,721 | $3,372 | $3,731 | $3,032 |
| American Family | $2,954 | $3,783 | $4,379 | $3,621 |
| Farmers | $2,401 | $2,988 | $3,233 | $2,983 |
| Geico | $2,059 | $2,632 | $3,919 | $2,059 |
| Liberty Mutual | $3,151 | $3,959 | $4,044 | $3,601 |
| Nationwide | $1,674 | $2,261 | $2,835 | $1,829 |
| Progressive | $2,488 | $3,897 | $2,902 | $3,002 |
| State Farm | $2,287 | $2,743 | $2,515 | $2,515 |
| USAA | $1,653 | $2,395 | $2,984 | $1,954 |
Cheapest Spokane, WA Car Insurance for Teen Drivers
Teen car insurance in Spokane, WA can be expensive. Take a look at rates from the top car insurance companies in Spokane for teenagers.
Annual Car Insurance Rates for Teen Drivers in Spokane, Washington
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,524 | $7,533 |
| American Family | $7,400 | $10,104 |
| Farmers | $4,701 | $5,048 |
| Geico | $3,928 | $5,132 |
| Liberty Mutual | $9,072 | $10,008 |
| Nationwide | $3,749 | $4,568 |
| Progressive | $7,380 | $8,256 |
| State Farm | $4,544 | $5,757 |
| USAA | $4,865 | $5,753 |
Cheapest Spokane, WA Car Insurance for Seniors
Take a look at Spokane, WA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
Annual Car Insurance Rates for Senior Drivers in Spokane, Washington
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,778 | $1,859 |
| American Family | $1,772 | $1,772 |
| Farmers | $1,882 | $2,128 |
| Geico | $1,689 | $1,689 |
| Liberty Mutual | $1,488 | $1,743 |
| Nationwide | $1,290 | $1,342 |
| Progressive | $1,315 | $1,332 |
| State Farm | $1,413 | $1,413 |
| USAA | $1,082 | $1,080 |
Cheapest Spokane, WA Car Insurance Rates After a DUI
A DUI in Spokane, WA increases car insurance rates. Compare Spokane, Washington DUI car insurance by company to find the cheapest option.
Annual Car Insurance Rates After a DUI in Spokane, Washington
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,731 |
| American Family | $4,379 |
| Farmers | $3,233 |
| Geico | $3,919 |
| Liberty Mutual | $4,044 |
| Nationwide | $2,835 |
| Progressive | $2,902 |
| State Farm | $2,515 |
| USAA | $2,984 |
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Cheapest Spokane, WA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Spokane, WA by commute? Take a look at a comparison of the top companies by commute length.
Annual Car Insurance Rates by Commute Length in Spokane, Washington
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,214 | $3,214 |
| American Family | $3,609 | $3,760 |
| Farmers | $2,901 | $2,901 |
| Geico | $2,633 | $2,701 |
| Liberty Mutual | $3,689 | $3,689 |
| Nationwide | $2,150 | $2,150 |
| Progressive | $3,072 | $3,072 |
| State Farm | $2,446 | $2,584 |
| USAA | $2,224 | $2,269 |
Monthly Spokane, WA Car Insurance Rates by ZIP Code
Spokane car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Spokane, WA.
Spokane, WA Car Insurance Rates vs. Top US Metro Car Insurance Rates
You might find yourself asking how does my Spokane, WA stack up against other top metro auto insurance rates? We’ve got your answer below.
Enter your ZIP code now to compare Spokane, WA car insurance rates.
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The Best Cheap Car Insurance Companies in Spokane, WA
Take a look at a side-by-side comparison of the top car insurance companies in Spokane, WA to find the best option for your needs.
Average Annual Car Insurance Rates by Company in Spokane, Washington
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,214 |
| American Family | $3,684 |
| Farmers | $2,901 |
| Geico | $2,667 |
| Liberty Mutual | $3,689 |
| Nationwide | $2,150 |
| Progressive | $3,072 |
| State Farm | $2,515 |
| USAA | $2,246 |
Category Winners: Cheapest Car Insurance in Spokane, Washington
Find the cheapest car insurance companies in Spokane, WA for each category right here.
Best Annual Car Insurance Rates by Company in Spokane, Washington
| Category | Insurance Company |
|---|---|
| Teenagers | Nationwide |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Nationwide |
Cheapest Spokane, WA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Spokane car insurance rates. Find the cheapest Spokane, WA car insurance rates by coverage level.
Annual Car Insurance Rates by Coverage Level in Spokane, Washington
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,059 | $3,204 | $3,378 |
| American Family | $3,484 | $3,680 | $3,890 |
| Farmers | $2,703 | $2,904 | $3,097 |
| Geico | $2,508 | $2,669 | $2,824 |
| Liberty Mutual | $3,469 | $3,694 | $3,902 |
| Nationwide | $2,039 | $2,149 | $2,261 |
| Progressive | $2,784 | $2,994 | $3,439 |
| State Farm | $2,355 | $2,525 | $2,665 |
| USAA | $2,107 | $2,245 | $2,387 |
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What affects car insurance rates in Spokane, Washington?
What factors can have an impact on Spokane, WA car insurance? There are several reasons why Spokane car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Spokane, Washington.
Factors affecting auto insurance rates in Spokane, WA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Spokane, Washington auto insurance.
These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. Therefore, teen car insurance is more expensive.
Car Theft in Spokane
High levels of vehicle theft can make car insurance more expensive. Spokane, WA car theft statistics from the FBI indicate 1,678 vehicle thefts a year.
Commute Time in Spokane
The more time you spend in your car the higher the risk of an accident. The average commute length in Spokane, WA is 27.9 minutes according to City-Data.
Traffic in Spokane
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Spokane, WA traffic data from INRIX ranks Spokane as the 792nd-most congested in the world.
Spokane, WA Car Insurance: The Bottom Line
With all of the different factors that can influence your car insurance rates, it’s important to shop around to find the most affordable Spokane, WA car insurance. Compare quotes from multiple companies to find the best coverage at the cheapest rates.
Frequently Asked Questions
How much does car insurance in Spokane, WA cost?
The average cost of car insurance in Spokane, WA is $242 per month.
How do Spokane, WA car insurance rates compare to the national average?
Spokane, WA car insurance rates are about average compared to the national average.
Who offers the cheapest car insurance in Spokane, WA?
Nationwide offers the cheapest car insurance in Spokane, WA.
What are the car insurance requirements in Spokane, WA?
Spokane, WA requires a minimum coverage of 25/50/10, which means $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage.
Do I need full coverage insurance if my car is financed?
If your car is financed, you will likely need to have full coverage insurance, which includes liability insurance and comprehensive/collision coverage.
How do age, gender, and marital status affect car insurance rates?
Younger, male, and unmarried drivers generally have higher insurance rates compared to older, female, and married drivers.
Does credit score affect car insurance rates?
Yes, your credit score can impact car insurance rates. A good credit score can lead to lower rates, while a poor credit score may result in higher rates.
How can I find affordable car insurance in Spokane, WA?
To find affordable car insurance in Spokane, WA, compare quotes from multiple companies.
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