For many drivers in Spokane, including teens, seniors, military drivers and those with driving records or who want minimum or full coverage, PEMCO provides the cheapest car insurance. Capital Insurance Group is the most affordable for sports car drivers, while Kemper is for teen drivers. The cheapest provider may depend on your individual driving profile.
We also analyzed the best auto insurance in Spokane if you value good value and excellent service above all else.
Cheapest Car Insurance in Spokane, WA
Cheapest Minimum Coverage Car Insurance in Spokane
The most affordable minimum coverage auto insurance in Spokane are:
- PEMCO: $206 per year
- Capital Insurance Group: $295 per year
PEMCO is also the cheapest car insurance in Washington for minimum coverage as of October 2022, at $309 yearly. It costs more on average in the state than it does in Spokane. The most expensive minimum coverage in the city is provided by Dairyland, which costs $1,189.
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Washington law establishes the following as the minimum liability limits in Spokane:
- $25,000 in bodily injury per person
- $50,000 for all the people injured in the accident
- $10,000 for property damage per accident
Only third-party damages are covered by minimum coverage auto insurance. For instance, your insurer will only pay $25,000 in losses per person, up to $50,000 per incident, if your bodily injury liability coverage is $50,000 per accident and $25,000 per person. You pay out of pocket for any costs beyond these limits.
Cheapest Full Coverage Car Insurance in Spokane
The following companies offer full coverage auto insurance at the cheapest rates in Spokane:
- PEMCO: $441 per year
- Kemper: $667 per year
As of October 2022, PEMCO is also the cheapest insurance in Washington for full coverage, with annual premiums of $614. Spokane has cheaper rates from this company than the rest of the state. The highest annual premiums for full coverage are from Dairyland, at $2,715.
Comprehensive and collision coverage are both features of full coverage car insurance.
- Comprehensive insurance: Covers non-collision situations like burglary or when a tree falls on your car.
- Collision insurance: Covers collisions with solid objects and other passing cars.
Better protection is guaranteed with this type of coverage. However, if your auto is old, the price of the insurance may exceed the value of the vehicle, which may not be practical.
Compare minimum and full coverage policies.
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Cheaper insurers could pocket you hundreds of dollars per year.
Cheapest Car Insurance in Spokane After a Driving Offense
The cheapest car insurance in Spokane after any of the following driving violations includes:
- Speeding ticket: PEMCO ($550 per year)
- At-fault accident: PEMCO ($601 per year)
- DUI: PEMCO ($729 per year)
Kemper has the highest annual cost for DUI at $3,509. Dairyland has the most expensive yearly costs for speeding tickets ($3,154) and at-fault accidents ($3,437). Even the most inexpensive insurance premiums may be affected by driving violations.
The extent of the insurance rate increase depends on the seriousness of the driving violation. Consider a price jump in Spokane of at least $245 after receiving a speeding ticket and $531 after receiving a DUI. Despite a poor driving record, you can still acquire the cheapest car insurance rates.
Cheapest Car Insurance in Spokane for Teens and Their Families
The cheapest car insurance for teen drivers in Spokane could be acquired from the following leading companies:
- Kemper: $1,485 per year for female teens; $1,543 per year for male teens
- Allstate: $1,746 per year for female teens; $1,835 per year for male teens
Progressive charges $3,659 for female teens and $4,033 for male teens in Spokane, the most expensive rates in the city.
Due to their higher insurance risk, male teenagers usually are charged more than female teenagers. The price difference of $58 highlights this reality, but the discrepancy does drop off in early adulthood.
It costs more to buy separate coverage than to add a teen to an existing family plan. For instance, having a male teen on a family insurance policy in Spokane is projected to help save $2,381 in premiums. Look into the cheapest teen car insurance to compare options and save money.
Cheapest Car Insurance in Spokane for Military Drivers
Military members in Spokane and their families can get the most affordable auto insurance for full coverage from the following providers:
- PEMCO: $441 per year
- USAA: $532 per year
PEMCO is also the least expensive option in Spokane at $206 annually if you only want to buy minimum coverage auto insurance. USAA ranked second as well, costing around $222 annually.
How to Compare Cheap Spokane Car Insurance Quotes Online
Online insurance quote requests can take 15 minutes or more per company, given the company’s service quality and the extensive personal data that must be provided. You could calculate your rates by entering your age, preferred coverage, car model and driving record into MoneyGeek's auto insurance calculator.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Cheapest Car Insurance in Spokane for Young Adults
In Spokane, these companies provide young drivers in their 20s with car insurance at the cheapest rates:
- PEMCO: $555 per year
- Allstate: $864 per year
Dairyland is the most expensive young adult auto insurance provider in the city, costing roughly $3,903.
Even with the lowest-priced insurance option, study shows that young drivers frequently pay more than middle-aged drivers because they are thought to be riskier to insure. They typically pay $286 more than their middle-aged counterparts.
Cheapest Car Insurance in Spokane for Seniors
The cheapest car insurance in Spokane for senior drivers can be purchased from:
- PEMCO: $470 per year
- Kemper: $600 per year
The most expensive insurance for seniors is Dairyland, at $2,431 annually. Older drivers sometimes receive a discount on their auto insurance rates, although the exact amount varies by provider.
In Spokane, people in their 60s pay $19 less each month than people in their 40s. Due to their increased chance of being involved in an accident brought on by age-related problems, such as worsening eyesight, drivers frequently pay more for insurance as they age.
Cheapest Car Insurance in Spokane for Poor Credit
For drivers with bad credit, the following Spokane auto insurance companies provide the most affordable rates:
- PEMCO: $441 per year
- Kemper: $667 per year
The most expensive insurance offered by Dairyland for Spokane drivers with bad credit is $2,715 annually.
On average, drivers with lower credit scores pay more for auto insurance. A driver in the city with a credit score of over 750 should anticipate paying about $30 less for auto insurance than a driver with a lower credit rating. This is a 3% price difference.
Insurance companies may charge drivers with bad credit higher premiums because a lower credit rating frequently indicates a higher risk of making a claim.
You can take a number of actions to reduce your insurance rates if you have bad credit, such as looking for standard discounts, bundling plans and comparing prices from other insurers. Eventually, your credit score could also rise over time.
Cheapest Car Insurance in Spokane for Sports Cars
For drivers of sports cars in Spokane, the cheapest auto insurance are from the following companies:
- Capital Insurance Group: $767 per year
- Kemper: $816 per year
Dairyland charges $2,494 yearly for the most expensive sports auto insurance in the city. Sports cars usually cost more to maintain and upgrade. Car insurance for sports vehicles is generally, although not always, more costly than a Toyota Camry LE. In Spokane, drivers could pay an additional $122 or 13% more per year.
MoneyGeek used a Ford Mustang as its car model in examining insurance rates for sports vehicles. Based on the kind of car, insurance premiums can vary greatly. Though it might not always have an impact on insurance rates, the model should be considered when comparing insurance.
Average Cost of Car Insurance in Spokane
Compared to the Washington car insurance average and national average of $1,169 and $1,265, the average yearly car insurance rate of $975 in Spokane is much less expensive. These policies include property damage liability of $100,000, bodily injury liability of $100,000 per person and bodily injury liability of $300,000 per accident. There are many factors that can influence insurance rates, including location.
About Mark Fitzpatrick