Best Spokane, Washington Auto Insurance in 2024
The average annual auto insurance rates in Spokane, WA are around $2,904. The cheapest auto insurance company in Spokane, WA is Nationwide, although rates will vary for each person. Spokane, WA auto insurance must meet the state minimum requirements with coverage levels of 25/50/10 for liability and property damage. Compare Spokane, Washington auto insurance rates online to get the best price for you.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Aug 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average annual auto insurance rate for Spokane, WA is $2,904
- The cheapest auto insurance company in Spokane, WA is Nationwide, and the second cheapest is USAA
- Spokane, WA rates are affected by the traffic that is shared with Spokane Valley
- The average commute time for Spokane is 21 min
Spokane, WA average annual auto insurance rates are very close to the Washington auto insurance average. They are about the same as Spokane Valley rates.
You can save on Spokane, Washington auto insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on cheap auto insurance in Spokane, Washington for every age, credit history, and driving record.
Monthly Spokane, WA Car Insurance Rates by ZIP Code
ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Spokane, WA auto insurance rates by ZIP Code below:
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Spokane, WA Car Insurance Rates vs. Top US Metro Car Insurance Rates
What city you reside in will impact your car insurance. That’s why it’s essential to compare Spokane, WA against other top US metro areas’ auto insurance costs.
Ready to find affordable auto insurance rates in Spokane, WA? Enter your ZIP code above to get started.
What is the cheapest auto insurance company in Spokane, WA?
The cheapest auto insurance company in Spokane, based on average rates, is Nationwide. Check out our Nationwide auto insurance review.
The cheapest Spokane, WA car insurance providers can be found below. You also might be wondering, “How do those Spokane, WA rates compare against the average Washington car insurance company rates?” We uncover that too.
The top auto insurance companies in Spokane, WA, ranked from cheapest to most expensive are:
- Nationwide auto insurance — $1,786
- USAA auto insurance — $1,548
- State Farm auto insurance — $2,060
- Geico auto insurance — $2,215
- Farmers auto insurance — $2,698
- Progressive auto insurance — $1,732
- Allstate auto insurance — $2,134
- American Family auto insurance — $2,603
- Liberty Mutual auto insurance — $1,944
There are a lot of factors that determine your auto insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.
Spokane, Washington car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group. Auto insurance for teens and young drivers is usually the most expensive.
Your coverage level will play a major role in your Spokane, WA car insurance costs. The types of car insurance you choose will impact your rates. Find the cheapest Spokane, Washington car insurance costs by coverage level below:
Your credit score will play a major role in your Spokane, WA car insurance costs since auto insurance companies use credit scores to determine rates. Find the cheapest Spokane, Washington car insurance costs by credit score below.
Your driving record will affect your Spokane, WA car insurance costs. For example, a Spokane, Washington DUI may increase your car insurance costs 40 to 50 percent. Cheap auto insurance for drivers with a DUI is not easy to find. Find the cheapest Spokane, Washington car insurance costs by driving record.
Controlling these risk factors will ensure you have the cheapest Spokane, WA car insurance. Factors affecting car insurance rates in Spokane, WA may include your commute, coverage level, tickets, DUIs, and credit.
Spokane, Washington does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Spokane, WA. Car insurance rates are more for males on average.
What auto insurance coverage is required in Spokane, WA?
All Spokane drivers have to meet the Washington state law minimum requirements to buy auto insurance.
In Washington, you have to carry at least:
- $25,000 per person and $50,000 per incident for bodily injury liability
- $10,000 per incident for property damage
It’s recommended that most drivers carry more than the state minimum.
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What affects auto insurance rates in Spokane, WA?
Spokane is the 2nd largest city in Washington. Let’s take a look at how Spokane auto insurance rates compare to other cities in Washington. The average cost of auto insurance in Washington state is $2,903.
- Boulevard Park, WA— $3,994 (most expensive)
- Spokane, WA — $2,904
- Spokane Valley, WA— $2,783
- Port Townsend, WA— $2,462 (cheapest)
INRIX ranks Spokane as the 113th most congested city in the U.S. Spokane is west of Spokane Valley, so traffic heading to a larger city can affect auto insurance rates.
City-Data reports an average commute time for Spokane is 21 minutes.
Car theft in Spokane also affects rates. The FBI’s most recent annual statistics report 1,737 car thefts in a city population of 217,066. That’s a rate of 800 cars stolen per 100,000 population.
Spokane, WA Auto Insurance: The Bottom Line
Spokane has about the same rates as the state average when compared to other cities of its size in Washington, but you can still save by shopping around and comparing.
Before you buy auto insurance in Spokane, WA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Spokane, WA auto insurance quotes.
Frequently Asked Questions
What is the average annual auto insurance rate in Spokane, WA?
The average annual auto insurance rate in Spokane, WA, is around $2,904.
Which auto insurance company is the cheapest in Spokane, WA?
Nationwide is the cheapest auto insurance company in Spokane, WA, based on average rates.
What are the state minimum requirements for auto insurance coverage in Spokane, WA?
In Spokane, WA, auto insurance must meet the state minimum requirements of 25/50/10 for liability and property damage coverage.
How can I save on auto insurance in Spokane, WA?
You can save on auto insurance in Spokane, WA, by shopping around, comparing rates, and looking for discounts. It’s recommended to check at least three auto insurance companies to ensure you get the best coverage for the most affordable rate. Compare auto insurance rates easily with our free online quote tool. Enter your ZIP code to get started on obtaining quotes from multiple top-rated insurers.
What factors can affect auto insurance rates in Spokane, WA?
Factors that can affect auto insurance rates in Spokane, WA, include ZIP code, age, driving record, credit score, and coverage level.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.