Compare Spokane, WA Car Insurance Rates (2022)

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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

UPDATED: Jun 22, 2022

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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.

Monthly Spokane, WA Car Insurance Rates by ZIP Code

Check out the monthly Spokane, WA auto insurance rates by ZIP Code below:

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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.

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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.

Which Spokane, WA auto insurance company has the cheapest rates? And how do those rates compare against the average Washington auto insurance company rates? We’ve got the answers below.

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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.

Spokane, WA auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Spokane auto insurance rates. Find the cheapest Spokane, WA auto insurance rates by coverage level below:

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Your credit score will play a major role in your Spokane auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Spokane, WA auto insurance rates by credit score below.

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Your driving record will play a major role in your Spokane auto insurance rates. For example, other factors aside, a Spokane, WA DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Spokane, WA auto insurance rates by driving record.

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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.

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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. Washington does use gender, so check out the average monthly auto insurance rates by age and gender in Spokane, WA.

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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.

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

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Monthly Spokane, WA Car Insurance Rates by ZIP Code
Spokane, WA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Spokane, WA Car Insurance Rates by Company vs. City Average
Spokane, WA Car Insurance Rates by Company and Age
The Cheapest Spokane, WA Car Insurance Rates by Coverage Level
The Cheapest Spokane, WA Car Insurance Rates by Credit Score
The Cheapest Spokane, WA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Spokane, WA
Average Monthly Car Insurance Rates by Age & Gender in Spokane, WA
Monthly Spokane, WA Car Insurance Rates by ZIP Code
Spokane, WA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Spokane, WA Car Insurance Rates by Company vs. City Average
Spokane, WA Car Insurance Rates by Company and Age
The Cheapest Spokane, WA Car Insurance Rates by Coverage Level
The Cheapest Spokane, WA Car Insurance Rates by Credit Score
The Cheapest Spokane, WA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Spokane, WA
Average Monthly Car Insurance Rates by Age & Gender in Spokane, WA