The average cost of full coverage car insurance in Spokane is $1,744, only slightly higher than the Washington state average of $1,730. But rates will vary widely depending on factors like your age, driving record, and neighborhood.
The best way to find affordable car insurance is to shop around and compare rates before you buy a policy. Policygenius can help you see quotes from top companies, so you can choose the coverage that’s best for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Spokane, WA
Your age, ZIP code, driving report, and credit score can all affect what you’ll pay for car insurance, but rates can also vary from company to company. To get the best rate, you need to compare rates from different companies.
Company | Average cost | JD Power Rating |
|---|---|---|
PEMCO Insurance | $854 | -- |
USAA | $1,036 | 890 |
State Farm | $1,085 | 882 |
GEICO | $1,291 | 874 |
Nationwide | $1,468 | 868 |
Cheapest car insurance rates by ZIP code in Spokane, WA
Frequency of car theft and accidents, available parking, and even average repair costs in your neighborhood can impact what you’ll pay for car insurance.
ZIP code | Average cost |
|---|---|
99224 | $1,657 |
99223 | $1,687 |
99203 | $1,697 |
99208 | $1,715 |
99217 | $1,717 |
99202 | $1,734 |
99204 | $1,753 |
99205 | $1,762 |
99201 | $1,767 |
99207 | $1,772 |
Choosing the right car insurance company in Spokane, WA
There’s no one right company for every driver in Spokane, so the best company for you is the one that offers you the most coverage at the lowest rates. And the only way to find that company is to shop around and compare quotes before you buy.
Policygenius makes it easy to see what you’ll pay for coverage from the top companies available in Spokane, so you can feel confident you’re making the right choice.
Car insurance rates for drivers with driving violations in Spokane, WA
Any recent accidents or moving violations on your recent driving history will raise your rates. Too many violations can make it difficult to find coverage at all.
The best thing you can do after a violation, whether it’s a speeding ticket or an at-fault accident, is to work to keep your driving record clean in the years following so the violations will fall off in a few years.
Violation | PEMCO Insurance | USAA | State Farm | GEICO | Nationwide |
|---|---|---|---|---|---|
At-fault accident | $1,071 | $1,496 | $1,320 | $2,048 | $2,673 |
DUI | $1,238 | $2,253 | $1,214 | $2,043 | $3,395 |
Suspended license | $1,161 | $2,124 | $1,214 | $2,291 | $3,395 |
Open container | $1,161 | $1,598 | $1,214 | $2,043 | $2,325 |
Expired registration | $991 | $1,277 | $1,214 | $1,700 | $2,325 |
Driving without lights | $991 | $1,085 | $1,214 | $1,700 | $3,395 |
Running a red light | $991 | $1,277 | $1,214 | $1,700 | $2,325 |
Following too closely | $1,161 | $1,277 | $1,214 | $1,700 | $2,325 |
Hit and run | $1,238 | $2,335 | $1,214 | $2,043 | $3,395 |
Not-at-fault accident | $852 | $1,085 | $1,108 | $1,154 | $1,524 |
Passing a school bus | $1,161 | $1,598 | $1,214 | $1,700 | $2,325 |
Reckless driving | $1,161 | $1,424 | $1,214 | $2,043 | $3,395 |
Speeding | $991 | $1,277 | $1,214 | $2,043 | $2,325 |
Cheapest car insurance for drivers with a DUI in Spokane, WA
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,214 |
PEMCO Insurance | $1,238 |
GEICO | $2,043 |
USAA | $2,253 |
Nationwide | $3,395 |
Cheapest car insurance for drivers with a speeding ticket in Spokane, WA
Company | Rates for drivers with speeding tickets |
|---|---|
PEMCO Insurance | $991 |
State Farm | $1,214 |
USAA | $1,277 |
GEICO | $2,043 |
Nationwide | $2,325 |
Cheapest car insurance for drivers with bad credit in Spokane, WA
Washington state recently changed the rules regarding insurance companies using credit scores as a factor when setting car insurance rates, which means drivers won't pay more for insurance because they have bad credit.
Buying car insurance in Spokane, WA
All Spokane drivers must meet the minimum coverage requirements in Washington, which are:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $10,000
Washington is an at-fault state, meaning that the driver determined to be at fault for an accident, and their insurance company, will be responsible for the other party’s repair bills and medical expenses.
Washington is also a comparative fault state, meaning that fault can be shared between the drivers. It is a good idea to carry additional coverage beyond the minimum amounts required, as the minimums may not be enough to cover an accident, which could leave you on the hook for hundreds or even thousands of dollars.
How to get cheap car insurance in Spokane, WA
Discounts are a great way to make sure you’re getting the best rates on car insurance. Some of the most common discounts include:
Bundling discount: For drivers who have car, home, and other insurance coverage with the same company
Safe driver discount: For drivers with a clean driving history
Good student discount: For young drivers who maintain a high GPA
Low mileage discount: For drivers with a low annual mileage
Multi-car discount: For drivers who insure more than one car on the same policy
Military discount: For both active duty servicemembers and veterans
By comparing rates, you can still find the least expensive insurance for you, even if you don’t qualify for any discounts.
Frequently asked questions
Which insurance company has the lowest average rates in Spokane?
PEMCO has the lowest rates for coverage for drivers in Spokane. USAA has the second-lowest rates, but it’s only available to drivers who are associated with the U.S. military.
Which violations will raise my rate the most in WA?
A DUI will usually cause your rates to increase the most. After a DUI, assuming you are able to keep your license, you can expect high rates for at least a few years.
Is car insurance more expensive in Washington state?
The average rate for car insurance in Washington is $1,730 per year, which is very close to the national average.
How much is car insurance per month in Washington?
Drivers in Washington pay an average of $1,730 per year for car insurance, which breaks down to $144 per month. Drivers in Spokane pay $145 per month, just a dollar more than the state average.
