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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
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.
The average cost of Washington car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Spokane, WA to find you the cheapest quotes in the area.
Here are the cheapest carriers in Spokane for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | Quotes |
|---|---|
 Progressive | $31/mo |
 Nationwide | $95/mo |
 Allstate | $123/mo |
 Travelers | $134/mo |
 The General | $135/mo |
| Best Companies | Quotes | |
|---|---|---|
Nationwide | $173/mo | |
 American Family | $196/mo | |
 Safeco | $151/mo | |
 Liberty Mutual | $240/mo | |
Travelers | $162/mo |
Washington Cities | |
|---|---|
| Seattle | $113/mo |
| Tacoma | $156/mo |
| Vancouver | $109/mo |
| Bellevue | $139/mo |
| Spokane | $130/mo |
| Washington | $129/mo |
Click here to learn about car insurance quotes and save on your current policy.
All motor vehicles operated or parked on Washington roadways are required to be insured. The minimum liability car insurance requirements for private passenger vehicles in Washington are as follows:
Bodily Injury Liability Coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Washington state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Washington law.
The state minimum amount of Property Damage Liability Coverage required in the state of Washington is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Teenagers lack experience on the road, and insurance companies in the Evergreen State offset this added risk by charging higher premiums. In Spokane, everyone but teens gets a rate that slides below the state average of $248. The twentysomethings see the price drop by over $150, which translates into $1,800 per year in savings over the younger drivers. People in their 30s and 60s pay the least, which means they may drive less expensive cars than age ranges with higher expenses.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $392 |
| 20s | $225 |
| 30s | $172 |
| 40s | $178 |
| 50s | $213 |
| 60s | $172 |
| 70s | $214 |
| 80s | $175 |
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $195 |
| Speeding Ticket | $246 |
| At-Fault Accident | $228 |
| Failure to Stop for Red Light / Stop Sign | $223 |
Common sense suggests that the safest drivers would pay the least, and that’s the case in Spokane. Drivers with clean histories qualify for the “good driver” and “accident-free” discounts, price cuts that are common to most insurance companies. A speeding ticket was a worse offense than an at-fault accident in Spokane by $18, which means insurers may charge more for purposely risky behavior. Drivers with violations or accidents may be happy to find out the mishaps stop affecting car insurance rates after three years.
Washington, like most states in the U.S., allows insurance companies to use credit as a factor when setting rates. Washingtonians may be a bit puzzled by the data in Spokane because those with poor credit pay the least. Often, those with better credit can finance costlier cars and therefore pay the accompanying higher insurance cost. The good news is that drivers, regardless of credit, beat the national average in Spokane. Even those with excellent credit, the highest rate in the table, slid under the national average by $29, which amounts to more than $300 a year.
| Credit Tie | Avg. Monthly Cost |
|---|---|
| Excellent | $220 |
| Good | $212 |
| Average | $206 |
| Poor | $191 |
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.
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 and Lyft, plus traditional taxis operate across the city.
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.
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Spokane stacks up for the state of Washington:
