Compare Spokane, WA Car Insurance Rates (2021)

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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • 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

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

Cheapest 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.

Annual Car Insurance Rates by ZIP Code in Spokane, Washington

ZIP Code Average Annual Rates
99201 $2,973
99202 $2,924
99203 $2,909
99204 $2,938
99205 $2,957
99206 $2,781
99207 $2,968
99208 $2,907
99212 $2,777
99223 $2,841
99224 $2,793
99251 $2,936
99258 $2,899

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

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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

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.

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.

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Compare Car Insurance Quotes in Spokane, WA

Ready to find affordable Spokane, Washington car insurance today? Enter your ZIP code for fast, free Spokane, WA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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