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Average Cost of Car Insurance in Spokane

Spokane$1,050
Washington$1,264
U.S.$1,424

At $1,050, Spokane’s average annual premium is 16.9% lower than the state average and 26.3% lower than the national average. This already sounds like a good deal, but depending on your specific circumstances, you may still be able to find cheaper car insurance in Spokane by getting custom quotes.

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The Best Cheap Car Insurance Companies in Spokane

Average car insurance rates in Spokane are around $1,050, but PEMCO offers annual average premiums that cost about $611 per year. However, if you deal with MetLife, the most expensive insurer in Spokane, their average annual premium exceeds $2,200.

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Personalized Quotes to Get You the Cheapest Car Insurance in Spokane

Car insurance companies in Spokane will base their quotes on factors like your age, driving history, preferred coverage and where you live in the city, among others. These vary per person and make a huge impact on the final rate, so it is best to get quotes to see how each company will assess your situation.

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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance in Spokane by Coverage Amount

How much car insurance coverage you purchase in Spokane also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

Washington Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.

Depending on the company, the average difference between the state minimum liability and a comprehensive 100/300/100 full-coverage policy is anywhere from $278 to $835 per year. You’ll notice that policies often show three numbers, such as 50/100/50. These numbers refer to the covered amount in the thousands.

The first number means $50,000 coverage of medical expenses per individual, while the middle number means a $100,000 cap on medical costs per vehicle. The last number is a $50,000 cap to cover property damage. Note that your own expenses are only covered by full-coverage plans.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Spokane if You Have Tickets

A clean driving record can save you a considerable amount of money on the best car insurance in Spokane. A GEICO policyholder with a clean record in this city pays an average rate of $732 per year, but a driver with an at-fault accident on their record will pay around $1,058. If you have a DUI conviction, your GEICO premium increases to an average of $1,749.

Average Cost of Car Insurance by Postal Code

Car insurance companies in Spokane also base their quotes on which neighborhood you live in, as different ZIP codes have differing rates of uninsured motorists, accidents, thefts and more. If you live in ZIP code 99208, your annual premium is $25 cheaper on average compared to drivers in ZIP code 99205.

  • Zip Code
    State Minimumper year
  • 99208
    $1,037
  • 99205
    $1,062

Factors That Impact Insurance Costs in Spokane

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Spokane. How Spokane ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities240th/300
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Most Car Thefts205th/300
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Most Uninsured Motorists by State7th/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall217th/300
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Most Rainy Days112th/300

Shopping around for car insurance in Spokane could save you $439, which is enough to buy:


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146Cups of Coffee
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34Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Spokane are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Spokane

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.