Compare Spokane, WA Car Insurance Rates (2021)

The cheapest Spokane, WA car insurance is offered by Nationwide. Auto insurance in Spokane must meet the Washington state minimum insurance requirements of 25/50/10 in liability coverage, but drivers are encouraged to carry higher limits. Compare Spokane, WA car insurance quotes online today to find the best coverage for you.

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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: Mar 23, 2021

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Here's what you need to know...

  • Nationwide offers the cheapest Spokane, WA car insurance
  • 17 percent of drivers in Washington state are uninsured
  • Traffic volume is pretty low in Spokane, WA with average commute times

Spokane, WA car insurance rates are about average. In fact, Washington car insurance rates as a whole are right around the national average.

Before you buy Spokane, WA car insurance, shop around and compare rates from multiple companies to see who has the best deal.

Enter your ZIP code now to compare Spokane, WA car insurance rates.

What is the cheapest car insurance company in Spokane, WA?

Nationwide is the cheapest car insurance company in Spokane, WA, but rates will vary for each driver.

The top-rated Spokane, WA car insurance companies in order from least to most expensive are:

  • Nationwide – $2,149.75
  • USAA – $2,246.41
  • State Farm – $2,514.88
  • GEICO – $2,667.17
  • Farmers – $2,901.35
  • Progressive – $3,072.22
  • Allstate – $3,213.97
  • American Family – $3,684.34
  • Liberty Mutual – $3,688.52

There are many different factors affecting car insurance rates in Spokane. Some of these are your age, gender, marital status, ZIP code, driving record, and credit history.

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What car insurance coverage is required in Spokane, WA?

To drive legally, car insurance is required in Spokane, WA. The minimum state requirements that Spokane drivers have to carry are:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $10,000 per incident for property damage

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.

What affects car insurance rates in Spokane, WA?

Traffic and auto theft can also affect your car insurance rates. Lots of traffic usually equals more accidents. More accidents and a lot of theft can mean higher car insurance rates.

INRIX ranks Spokane as the 113th most congested city in the U.S. Less traffic congestion means less chance of being in an accident.

City-Data reports that commuters usually spend around 20 minutes in traffic. That’s great news for Spokane, WA drivers.

Theft can also play a part in your auto insurance rates. According to the FBI, there were 1,737 motor vehicle thefts in Spokane in one year.

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.

Enter your ZIP code now to compare Spokane, WA car insurance quotes.

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