Cheap Auto Insurance Quotes in Spokane, WA (January 2022)

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Last Updated: January 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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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.

Average Car Insurance Cost

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Spokane, WA Driving Facts


Minimum Car Insurane Requirements in WA

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:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

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.

  • $10,000/accident for Property Damage (PD)

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.

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.

Driving History
No Violation$195
Speeding Ticket$246
At-Fault Accident$228
Failure to Stop for Red Light / Stop Sign$223

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.

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.

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. 

Find local Spokane agents

Doty & Giles Insurance 
N. 1213 Pines Road, Spokane, WA 99206
North Town Insurance Agency 
5727 N Division St, Spokane, WA 99208
Western Insurance Associates 
1212 N Washington St STE 20, Spokane, WA 99201
HUB International NW 
PO Box 3144, Spokane , WA 99220-3144
Wheat & Associates Insurance Inc. 
1306 N Post, Spokane, WA 99201-2520
GVI Corp. 
1320 N Atlantic, Spokane, WA 99201-2304
URM Insurance Agency Inc. 
7511 N Freya, Spokane, WA 99207
Anthony,Baker & Burns 
10103 N Division, Ste 102, Spokane, WA 99218
Northwest Ins. Brokers 
100 N. Mullan Rd, #101, Spokane, WA 99206
PayneWest Insurance Spokane 
827 W 1St Ave Ste 225, Spokane, WA 99201-3904

Insurify Insights: How Spokane Drivers Measure Up

Ford F-Series Pickup
Most Popular Car in
Spokane, WA
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Spokane drivers measure up to their fellow Washington motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Spokane

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Spokane drivers rank 10 in the number of car accidents per driver across all cities in Washington.

  • Rank within state: #10
  • Percent of drivers in Spokane with an accident: 12.21%
  • Drivers in Spokane, WA with an accident in their driving history paid on average 24.7% more than drivers with a clean record

Speeding in Spokane

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Washington, Spokane drivers rank 7 in the number of speeding infractions per driver.

  • Rank within state: #7
  • Percent of drivers in Spokane with a speeding ticket: 14.92%
  • Drivers in Spokane, WA with a speeding ticket in their driving history paid on average 28.31% more than drivers with a clean record

DUI/DWIs in Spokane

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Spokane drivers rank 4 in the number of DUI’s per driver across all cities in Washington.

  • Rank within state: #4
  • Percent of drivers in Spokane with a DUI: 2.18%
  • Drivers in Spokane, WA with a DUI in their driving history paid on average 6.02% more than drivers with a clean record

Most Popular Vehicle in Spokane

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Spokane is the Ford F-Series Pickup.

Rude in Spokane

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Washington, Spokane drivers rank 6 in rude driving infractions.

  • Rank within state: #6
  • Percent of drivers in Spokane with a reckless driving violation: 3.2%
  • Drivers in Spokane, WA with a reckless driving violation in their driving history paid on average 36.75% more than drivers with a clean record.

Safest Drivers in Spokane

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Spokane drivers rank 15 in clean driving records across all cities in Washington.

  • Rank within state: #15
  • Percent of drivers in Spokane with clean record: 73.89%

Failure to Yield the Right of Way in Spokane

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Spokane drivers rank 9 in failure to yield violations per driver across all cities in Washington.

  • Rank within state: #9
  • Percent of drivers in Spokane with a failure to yield violation: 0.78%
  • Drivers in Spokane, WA with a failure to yield violation in their driving history paid on average 1200% more than drivers with a clean record

Reckless Drivers in Spokane

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Washington, Spokane drivers rank 2 in the number of reckless driving offenses per driver.

  • Rank within state: #2
  • Percent of drivers in Spokane with a reckless driving offense: 0.44%

Hybrid/Electric Vehicle Ownership in Spokane

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Spokane drivers rank 21 in hybrid and electric vehicle ownership across all cities in Washington.

  • Rank within state: #21
  • Percent of drivers in Spokane with a hybrid/electric vehicle: 0.83%

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

What is the penalty for driving uninsured in Washington?

Driving uninsured puts yourself and cars around you in great danger. You should never drive while uninsured. If you’re caught driving uninsured in Washington, you face hundreds in fines, loss of driving privileges, reinstatement fees, and mandatory filing of SR-22 insurance.

What is the punishment for DUI in Washington?

If you're convicted of a DUI in Washington, the fallout can be drastic. The DUI lookback period in Washington is seven years. For first-time offenders, a DUI can lead to two days to six months in jail, community service, hundreds of dollars in fines, license suspension, a driving school refresher, mandatory substance abuse programming, and installation of an ignition interlocking device.

Which company offers the cheapest auto insurance quotes in Spokane?

The best way to get the cheapest car insurance in Spokane and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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