Best Cheap Auto Insurance in Spokane, Washington (2023)

From Riverfront Park and Spokane Falls to the Nishinomiya Tsutakawa Japanese Garden and life at Gonzaga University, there’s plenty to love about living in Spokane. And here’s another nicety: Spokane enjoys the lowest rates for auto insurance in Washington.

The average total cost of car insurance in Spokane is $130. But drivers may find cheaper rates with State Farm, USAA, or GEICO. Or, the best insurer for you may be another company entirely.

It’s all about comparing different insurers and finding the company that best matches your needs. This article will show you how.

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Best car insurance companies in Spokane

The best car insurer for you will depend on many factors, including your age, gender, vehicle type, driving record, coverage limits, deductible, marital status, and more.

For instance, if you only need liability coverage, State Farm is the most affordable option. However, if you have a DUI on your record or you’re looking to insure a teen driver, you may find another insurer, like Allstate, to have better rates. Getting the most affordable auto quotes by evaluating different companies can help you find the right coverage for your situation at the lowest rates.

Here, you can learn more about three of the area’s top insurers: GEICO, USAA, and State Farm.

Best insurer for discounts: GEICO

Best insurer for military families: USAA

Best insurer for low rates: State Farm

Cheapest liability-only car insurance in Spokane

If you have a liability-only policy, it’s important to remember that it’ll only cover physical damage and injuries suffered by the other parties involved in an accident you caused. It won’t provide coverage for any expenses related to repairing your own vehicle or any medical bills that you may have incurred due to the accident.

Not surprisingly, liability-only coverage is usually the most affordable. The average cost in Spokane is $90. But you should carefully review whether this coverage meets your needs before purchasing it. 

If you have a new vehicle or a vehicle you couldn’t afford to replace if it was totaled, liability-only coverage may not be for you. And if you only carry the minimum required amount, your liability insurance may not cover all the damages you’re responsible for in an at-fault accident. In that scenario, you could be on the hook to pay the difference out of your own pocket.

Here’s a list of liability-only rates in Spokane from the top insurers.

Cheapest full-coverage car insurance in Spokane

If you’re leasing or financing your car, your lender may require full coverage. While liability-only insurance will cover the other driver, their passengers, and their vehicle, full coverage will protect you, your passengers, and your own car.

Full-coverage car insurance includes:

• Collision insurance: Regardless of who’s at fault, collision pays for damage to your vehicle.

• Comprehensive insurance: In addition to damage to your car from an accident, comprehensive insurance covers damage caused by theft, vandalism, weather events, and accidents involving animals.

• Towing and labor coverage: This helps if your car breaks down or is inoperable because of an accident.

• Rental car coverage: This provides access to a rental car while your car is being repaired after a covered accident.

• Gap coverage: If your car is totaled, gap coverage may pay the difference between the vehicle’s actual cash value and the balance you owe on the loan or lease.

In Spokane, a full-coverage policy costs $169 per month, on average. Here’s a collection of full-coverage quotes from different insurance companies in Spokane.

Car insurance requirements in Washington

In order to drive legally in Washington, you must have coverage that meets the following minimum requirements:^[1]

Cheapest car insurance for drivers with an incident

If you have an incident on your record — like a speeding ticket, at-fault-accident, or DUI — your insurance company might increase your rates. The severity of the rate increase can depend on the incident, and in the sections that follow, you’ll see how different incidents can affect your rates.

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Cheapest car insurance for drivers with a speeding ticket

Not every insurer will increase your rates after a speeding ticket. However, if you receive two or more speeding tickets in a three-year period, your insurer will likely raise your monthly insurance price. 

Speed is a common factor in car accidents, so insurers view you as a higher risk if you’ve been cited for speeding. In Spokane, a speeding ticket bumps drivers’ monthly insurance costs to $181, on average. Here‘s a look at what you can expect to pay with a speeding ticket on your record in Spokane.

Cheapest car insurance for drivers with an at-fault accident

If you live in Spokane and are responsible for a car accident, your insurance rates will probably increase. However, some insurance companies have “accident-forgiveness” programs that can prevent rate hikes for certain types of accidents or after a specific amount of time with no accidents.

The average cost of car insurance in Spokane following an at-fault accident is $186 per month. Here are quotes from other top insurers in Spokane.

Cheapest car insurance for drivers with a DUI

Insurers see a DUI as the most serious of incidents, and if you have one on your record, your insurance rates will surely increase. In some cases, your insurance company may cancel your coverage altogether, or you may be denied new coverage by another company.

Spokane drivers with a DUI conviction pay average monthly rates of $147 for liability-only coverage and $276 for full coverage. The following table provides example quotes from other insurers in Spokane.

Cheapest car insurance for seniors

While people generally enjoy lower car insurance rates in middle age and their early senior years, those rates tend to climb once a person reaches 75.

This is because statistics show that older drivers are more likely to be involved in accidents compared to middle-aged adults. Additionally, if a senior citizen is involved in an accident, the injuries sustained are often more severe, leading to higher medical bills and increased costs for the insurance company.^[2]

Senior drivers in Spokane pay $91 for car insurance, on average. Here are other monthly quotes for senior drivers in Spokane.

Cheapest car insurance for teens

Sadly, teenage drivers experience crashes almost four times more frequently per mile driven when compared to more experienced drivers. Many factors account for this, including reckless driving, distraction by social media while driving, and limited experience in handling road hazards such as icy winter roads or heavy rain and hail during storms. Alcohol consumption also plays a major role in many accidents involving teenagers.^[3]

Spokane teens pay an average of $220 per month for car insurance.

If you’re a young driver, you have ways to lower your car insurance costs and find affordable coverage through discounts. One way is to stay on your parents’ insurance policy and drive a car that’s considered safe. If you’re leaving for college, consider leaving your car at home. Another way to qualify for discounts and have affordable auto insurance rates is by earning good grades. Some insurance companies also offer discounts for safe driving habits and having a clean driving record.

How to get the cheapest car insurance in Spokane

Getting car insurance can be expensive, so it’s important to find ways to lower your rates. Thankfully, you have several effective ways to get cheap car insurance in Spokane, including:

• Add multiple cars or family members to your policy.

• Bundle your insurance products, such as auto insurance with renters insurance, life insurance, and a homeowners insurance policy.

• Maintain a clean driving record.

• Review your deductibles and coverage limits with insurance professionals.

• Install safety and anti-theft devices on your car.

• Comparison shop and get quotes from multiple insurers.

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Spokane car insurance quotes by credit tier

Most states, including Washington, allow insurance companies to consider your credit score when setting your car insurance rates. This is because insurers have found that people with lower credit scores are more likely to make insurance claims. As a result, drivers with excellent or good credit scores typically pay significantly less than drivers with poor credit scores.

Here, you can see how your credit score affects your rates in Spokane.

Is car insurance more expensive in Spokane?

The average rates for car insurance in Spokane are $90 for liability-only coverage and $169 for full coverage. This falls below the state averages of $98 for liability-only coverage and $205 for full coverage.

However, rates in Washington are above the national average of $106 for liability coverage and $172 for full coverage.

More cities in Washington

Car insurance in Spokane doesn’t just fall below the state and national averages — it’s lower than many other large cities in Washington, too. As you can see in the table below, Spokane’s rate of $169 per month for full coverage falls below that of other large Washington cities.

Spokane car insurance FAQs