Buy Cheap Spokane, WA Auto Insurance (2022)

Spokane, WA auto insurance rates average $242 a month. Minimum auto insurance requirements in Spokane, Washington are 25/50/10 to comply with Washington laws. To buy cheap auto insurance in Spokane, WA, compare Spokane auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Spokane is Liberty Mutual
  • The most expensive auto insurance company in Spokane after a DUI is American Family
  • Average auto insurance rates in Spokane, WA after a DUI are $3,394/year

Finding affordable Spokane, Washington auto insurance can be challenging, but everything you need to know to buy cheap Spokane, WA auto insurance with confidence is right here. Auto insurance rates in Spokane are affected by local factors as well as personal ones like your driving record.

See how Spokane, WA car insurance rates compare to Federal Way auto insurance rates, Bellevue auto insurance rates, and Seattle auto insurance rates before you read more about the cost of auto insurance in Spokane.

Don’t buy Spokane, WA auto insurance until you’ve compared rates. Get free Spokane, Washington auto insurance quotes when you enter your ZIP code above.

Spokane, WA Minimum Auto Insurance Requirements

The required auto insurance in Spokane, WA is 25/50/10 according to the auto insurance laws in Washington. The minimum auto insurance in Spokane, Washington is outlined here.

Minimum Required Auto Insurance Coverage in Spokane, Washington

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Find Cheap Spokane, WA Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Spokane, WA. Take a look at Spokane, Washington auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Spokane, Washington

Insurance Company Poor Fair Good
Allstate $3,988 $3,042 $2,611
American Family $4,349 $3,551 $3,153
Farmers $3,537 $2,675 $2,492
GEICO $3,175 $2,540 $2,286
Liberty Mutual $5,270 $3,246 $2,550
Nationwide $2,557 $2,014 $1,879
Progressive $3,384 $3,020 $2,813
State Farm $3,655 $2,190 $1,700
USAA $2,833 $2,078 $1,828

Buy Cheap Spokane, WA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Spokane, Washington auto insurance rates? Find out how car insurance rates in Spokane, WA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Spokane, Washington

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,924 $1,910 $1,778 $1,859 $6,524 $7,533 $2,049 $2,134
American Family $1,941 $1,941 $1,772 $1,772 $7,400 $10,104 $1,941 $2,603
Farmers $2,055 $2,108 $1,882 $2,128 $4,701 $5,048 $2,590 $2,698
GEICO $1,800 $1,833 $1,689 $1,689 $3,928 $5,132 $3,051 $2,215
Liberty Mutual $1,658 $1,815 $1,488 $1,743 $9,072 $10,008 $1,780 $1,944
Nationwide $1,388 $1,418 $1,290 $1,342 $3,749 $4,568 $1,656 $1,786
Progressive $1,459 $1,361 $1,315 $1,332 $7,380 $8,256 $1,743 $1,732
State Farm $1,572 $1,572 $1,413 $1,413 $4,544 $5,757 $1,787 $2,060
USAA $1,122 $1,106 $1,082 $1,080 $4,865 $5,753 $1,416 $1,548

Buy Cheap Spokane, WA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Spokane can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Spokane, WA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Spokane, Washington

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,524 $7,533
American Family $7,400 $10,104
Farmers $4,701 $5,048
GEICO $3,928 $5,132
Liberty Mutual $9,072 $10,008
Nationwide $3,749 $4,568
Progressive $7,380 $8,256
State Farm $4,544 $5,757
USAA $4,865 $5,753

Buy Cheap Spokane, WA Auto Insurance for Seniors

You can save on senior auto insurance rates in Spokane, Washington by comparing Spokane senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Spokane, WA here.

Annual Auto Insurance Rates for Senior Drivers in Spokane, Washington

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,778 $1,859
American Family $1,772 $1,772
Farmers $1,882 $2,128
GEICO $1,689 $1,689
Liberty Mutual $1,488 $1,743
Nationwide $1,290 $1,342
Progressive $1,315 $1,332
State Farm $1,413 $1,413
USAA $1,082 $1,080

Find Cheap Auto Insurance Rates in Spokane, WA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Spokane, Washington auto insurance. Compare Spokane, WA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Spokane, Washington

Insurance Company Low Medium High
Allstate $3,059 $3,204 $3,378
American Family $3,484 $3,680 $3,890
Farmers $2,703 $2,904 $3,097
GEICO $2,508 $2,669 $2,824
Liberty Mutual $3,469 $3,694 $3,902
Nationwide $2,039 $2,149 $2,261
Progressive $2,784 $2,994 $3,439
State Farm $2,355 $2,525 $2,665
USAA $2,107 $2,245 $2,387

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Find Cheap Spokane, WA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Spokane. Compare auto insurance rates in Spokane, WA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Spokane, Washington

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,214 $3,214
American Family $3,609 $3,760
Farmers $2,901 $2,901
GEICO $2,633 $2,701
Liberty Mutual $3,689 $3,689
Nationwide $2,150 $2,150
Progressive $3,072 $3,072
State Farm $2,446 $2,584
USAA $2,224 $2,269

Find Cheap Spokane, WA Auto Insurance Rates by ZIP Code

Auto insurance rates in Spokane, Washington can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Spokane, WA to see how much where you live in Spokane affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Spokane, Washington

ZIP Code Average Annual Rates
99201 $2,973
99202 $2,924
99203 $2,909
99204 $2,938
99205 $2,957
99206 $2,781
99207 $2,968
99208 $2,907
99212 $2,777
99223 $2,841
99224 $2,793
99251 $2,936
99258 $2,899

Find Cheap Spokane, WA Auto Insurance Rates by Driving Record

Auto insurance rates in Spokane, Washington are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Spokane, WA, take a look at the average cost for various violations versus rates for a clean driving record in Spokane.

Annual Spokane, Washington Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,721 $3,372 $3,731 $3,032
American Family $2,954 $3,783 $4,379 $3,621
Farmers $2,401 $2,988 $3,233 $2,983
GEICO $2,059 $2,632 $3,919 $2,059
Liberty Mutual $3,151 $3,959 $4,044 $3,601
Nationwide $1,674 $2,261 $2,835 $1,829
Progressive $2,488 $3,897 $2,902 $3,002
State Farm $2,287 $2,743 $2,515 $2,515
USAA $1,653 $2,395 $2,984 $1,954

Find Cheap Spokane, WA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Spokane, Washington is higher than for a clean driving record. You can buy auto insurance after a DUI in Spokane for less when you shop around and compare rates from multiple Spokane, WA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Spokane, Washington

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,731
American Family $4,379
Farmers $3,233
GEICO $3,919
Liberty Mutual $4,044
Nationwide $2,835
Progressive $2,902
State Farm $2,515
USAA $2,984

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Winners by Category: Where to Buy Cheap Auto Insurance in Spokane, WA

Compare rates from the cheapest auto insurance companies in Spokane, WA for your needs. Take a look at how Spokane, Washington auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Spokane, Washington

Category Insurance Company
Teenagers Nationwide
Seniors USAA
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

Find Cheap Spokane, Washington Auto Insurance Companies

If you’re looking for the cheapest Spokane, WA auto insurance companies overall, you can compare them here. Find the best price for Spokane, Washington car insurance by company.

Average Annual Auto Insurance Rates by Company in Spokane, Washington

Insurance Company Average Annual Rates
Allstate $3,214
American Family $3,684
Farmers $2,901
GEICO $2,667
Liberty Mutual $3,689
Nationwide $2,150
Progressive $3,072
State Farm $2,515
USAA $2,246

What affects Spokane, Washington auto insurance rates?

Local factors affect auto insurance rates in Spokane, WA, including traffic, theft statistics, and commute length. Take a look at the things that impact Spokane auto insurance rates.

Auto Theft in Spokane

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Spokane, WA auto theft show a total of 1,678 vehicle thefts annually.

Commute Times in Spokane

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Spokane, WA is 27.9 minutes according to City-Data.

Traffic in Spokane

How is traffic in Spokane, Washington? Inrix data shows that Spokane, WA traffic makes it the 792nd-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Spokane, WA

You can buy cheap Spokane, WA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Spokane, Washington auto insurance quotes from top companies.

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