Click here for our full-length guide to Washington car insurance quotes, discounts, and state requirements.

Nestled between the forests of Eastern Washington and the border of Idaho, Spokane is a unique blend of outdoor oasis and urban center. As the main mode of transportation for nearly 220,000 Spokane residents, car travel is a big part of life. Finding the right car insurance policy for you and your lifestyle is an important step towards safe driving in Spokane. Compare and save on the best and cheapest car insurance quotes in Washington here.

Find cheap car insurance quotes for Spokane today.

Cheapest Car Insurance Quotes in Spokane, WA

Here are the cheapest insurance companies in Spokane based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Clean driving records may amount to “good driver discounts,” resulting in lower overall insurance costs.

Insurance CompanyQuotes
The General$135/month

USAA often offers the lowest car insurance rates to Washington drivers, but it is only available to active-duty members of the military, veterans, and their immediate families.

Best Car Insurance Companies in Spokane, WA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top-rated companies that offer car insurance in Spokane. For the complete list, see Insurify’s best car insurance companies.

Insurance CompanyScorteQuote
American Family88$166/month
Liberty Mutual80$225/month

Compare Average Premiums 

Insurance rates vary greatly from town to town. Spokane has higher monthly premiums compared to state and national averages. Keep the savings rolling and compare policies on Insurify today. 

Spokane Average Premium Washington Average Premium National Average Premium
$130/month $129/month $131/month

Spokane Auto Insurance Requirements 

Before operating on Washington roadways, Washington drivers must ensure their motor vehicle holds sufficient liability insurance.

Liability coverage is a safety necessity.

In Washington, state minimum coverage limits for liability car insurance are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Driving records, prior car accidents, prior moving violations, speeding tickets, commute length, and other demographic factors may cause fluctuation to your Spokane auto insurance rates.

Read more about Washington car insurance requirements

Comprehensive and collision coverage are supplemental options offered by insurance providers to protect your vehicle and passengers from “Acts of God,” vandalism, and other uncontrollable circumstances. 

For a free quote, compare auto insurance companies on Insurify

Spokane DMV Information 

There is one multiple DMV outpost in and around the city of Spokane. The main DMV office is located on North Country Homes Boulevard. Here, residents can change their address, obtain a driver’s license, and complete vehicle registrations. The DMV is open from 7:30 AM to 5 PM with special morning and evening hours on weekdays. You may be able to skip the lines and access what you need via its online portal.

Public Transit in Spokane

The Spokane Transit Authority offers residents and visitors convenient and affordable services in and around the city. The STA operates 36 bus routes around 248 square miles. Ridesharing services like Uber, Lyft, and traditional taxis operate across the city. 

Conclusion: How to get the best and cheapest car insurance in Spokane 

As American drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy. Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

With a whopping 17.4 percent of vehicles driving uninsured throughout Washington, give yourself peace of mind with sufficient car insurance coverage. Washington ranks seventh in the nation for most uninsured motorists— don’t become just another number—get quotes with Insurify to get the best coverage and rates for your car at a price that works for you.

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Updated January 29, 2020

Jackie Cohen received her B.A. in Global Media and Public Relations from the University of Massachusetts, Amherst. Currently based in Boston, MA, she works as a content writer for Insurify. An avid globe-trotter and foodie, Jackie spends her spare time adventuring far and near.