The best car insurance in Spokane, WA

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The average cost of full coverage car insurance in Spokane is $1,659, only slightly higher than the Washington state average of $1,651. But rates will vary widely depending on factors like your age, driving record, and neighborhood.

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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.

Key Takeaways

  • USAA has the lowest average rate for full coverage in Spokane at $1,036 a year

  • USAA also has the lowest rates in Spokane for drivers with bad credit

  • Washington drivers are not required to have uninsured/underinsured motorist coverage

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

USAA

$1,036

890

PEMCO Insurance

$1,067

--

State Farm

$1,145

881

Nationwide

$1,273

876

Progressive

$1,275

856

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

99201

$1,685

99202

$1,655

99203

$1,620

99204

$1,673

99205

$1,680

99207

$1,689

99208

$1,637

99217

$1,639

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

USAA

PEMCO Insurance

State Farm

Nationwide

Progressive

At-fault accident

$1,496

$1,345

$1,394

$2,208

$2,103

DUI

$2,253

$1,561

$1,281

$2,788

$1,439

Suspended license

$2,124

$1,459

$1,281

$2,788

$1,931

Open container

$1,598

$1,459

$1,281

$1,736

$1,439

Expired registration

$1,277

$1,067

$1,281

$1,736

$2,309

Driving without lights

$1,085

$1,243

$1,281

$2,788

$2,309

Not showing documents

$1,085

$1,243

$1,281

$1,736

$2,309

Running a red light

$1,277

$1,243

$1,281

$1,736

$2,309

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, but this change may not already be applied to every driver, so Spokane drivers with poor credit scores may still be paying more for car insurance.

Company

Rates for drivers with bad credit

USAA

$1,085

State Farm

$1,169

Progressive

$1,220

GEICO

$1,407

Travelers

$1,635

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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?

USAA has the lowest rates for coverage for drivers in Spokane, but it’s only available to drivers who are associated with the U.S. military.

Which violations will raise my rate the most?

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.

Will my rates go down when I turn 25?

Rates for young drivers with a clean record usually drop substantially at age 25 when they enter a less risky age group and have more experience behind the wheel.

Methodology

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.