Cheap Auto Insurance Quotes in Spokane, WA (2022)

Spokane: Creative by Nature

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.

Car Insurance in Spokane, WA

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.

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• Cheap Car Insurance Washington

• Compare Car Insurance

Cheapest Car Insurance in Spokane, WA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance 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 .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Washington

All motor vehicles operated or parked on Washington roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Washington^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Washington is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Spokane Car Insurance Rates by Driver Age

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.

Spokane Car Insurance Rates by Driving and Accident History

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.

See More:

• High-risk Car Insurance Washington

• DUI Car Insurance Washington

Spokane Car Insurance Rates by Credit Tier

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.

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Find local Spokane agents

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 and Lyft, plus traditional taxis operate across the city.

For more detailed Washington city level guides, check out these below.

• Average Cost of Car Insurance Rates in Washington

• DUI Car Insurance Rates in Washington

• High-Risk Driver Car Insurance Rates in Washington

• Washington Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Washington

• SR-22 Insurance in Washington

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.

FAQs - Spokane, WA Car Insurance