Best Cheap Auto Insurance in Spokane, WA (2021)

The average annual auto insurance rates in Spokane, WA are around $2,904. The cheapest auto insurance company in Spokane, WA is Nationwide, although rates will vary for each person. Spokane, WA auto insurance must meet the state minimum requirements with coverage levels of 25/50/10 for liability and property damage. Compare Spokane, Washington auto insurance rates online to get the best price for you.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Remember

  • The average annual auto insurance rate for Spokane, WA is $2,904
  • The cheapest auto insurance company in Spokane, WA is Nationwide, and the second cheapest is USAA
  • Spokane, WA rates are affected by the traffic that is shared with Spokane Valley
  • The average commute time for Spokane is 21 min

Spokane, WA average annual auto insurance rates are very close to the state average. They are about the same as Spokane Valley rates.

You can save on Spokane, Washington auto insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on cheap auto insurance in Spokane, Washington for every age, credit history, and driving record.

Monthly Spokane, WA Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Spokane, WA auto insurance rates by ZIP Code below:

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Spokane, WA Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Spokane, WA against other top US metro areas’ auto insurance costs.

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Ready to find affordable auto insurance rates in Spokane, WA? Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Spokane, WA?

The cheapest auto insurance company in Spokane, based on average rates, is Nationwide.

The cheapest Spokane, WA car insurance providers can be found below. You also might be wondering, “How do those Spokane, WA rates compare against the average Washington car insurance company rates?” We uncover that too.

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The top auto insurance companies in Spokane, WA, ranked from cheapest to most expensive are:

  • Nationwide — $1,786
  • USAA — $1,548
  • State Farm — $2,060
  • GEICO — $2,215
  • Farmers — $2,698
  • Progressive — $1,732
  • Allstate — $2,134
  • American Family — $2,603
  • Liberty Mutual — $1,944

There are a lot of factors that determine your auto insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

Spokane, Washington car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

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Your coverage level will play a major role in your Spokane, WA car insurance costs. Find the cheapest Spokane, Washington car insurance costs by coverage level below:

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Your credit score will play a major role in your Spokane, WA car insurance costs unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Spokane, Washington car insurance costs by credit score below.

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Your driving record will affect your Spokane, WA car insurance costs. For example, a Spokane, Washington DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Spokane, Washington car insurance costs by driving record.

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Controlling these risk factors will ensure you have the cheapest Spokane, WA car insurance. Factors affecting car insurance rates in Spokane, WA may include your commute, coverage level, tickets, DUIs, and credit.

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Spokane, Washington does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Spokane, WA.

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What auto insurance coverage is required in Spokane, WA?

All Spokane drivers have to meet the Washinton state law minimum requirements to buy auto insurance.

In Washington, you have to carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $10,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

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What affects auto insurance rates in Spokane, WA?

Spokane is the 2nd largest city in Washington. Let’s take a look at how Spokane auto insurance rates compare to other cities in Washington. The average cost of auto insurance in Washington state is $2,903.

  • Boulevard Park, WA— $3,994 (most expensive)
  • Spokane, WA — $2,904
  • Spokane Valley, WA— $2,783
  • Port Townsend, WA— $2,462 (cheapest)

INRIX ranks Spokane as the 113th most congested city in the U.S. Spokane is west of Spokane Valley, so traffic heading to a larger city can affect auto insurance rates.

City-Data reports an average commute time for Spokane is 21 minutes.

Car theft in Spokane also affects rates. The FBI’s most recent annual statistics report 1,737 car thefts in a city population of 217,066. That’s a rate of 800 cars stolen per 100,000 population.

Spokane, WA Auto Insurance: The Bottom Line

Spokane has about the same rates as the state average when compared to other cities of its size in Washington, but you can still save by shopping around and comparing.

Before you buy auto insurance in Spokane, WA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Spokane, WA auto insurance quotes.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Monthly Spokane, WA Auto Insurance Rates by ZIP Code
Spokane, WA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Spokane, WA Auto Insurance Rates by Company vs. City Average
Spokane, WA Auto Insurance Rates by Company and Age
The Cheapest Spokane, WA Auto Insurance Rates by Coverage Level
The Cheapest Spokane, WA Auto Insurance Rates by Credit Score
The Cheapest Spokane, WA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Spokane, WA
Average Monthly Auto Insurance Rates by Age & Gender in Spokane, WA
Monthly Spokane, WA Auto Insurance Rates by ZIP Code
Spokane, WA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Spokane, WA Auto Insurance Rates by Company vs. City Average
Spokane, WA Auto Insurance Rates by Company and Age
The Cheapest Spokane, WA Auto Insurance Rates by Coverage Level
The Cheapest Spokane, WA Auto Insurance Rates by Credit Score
The Cheapest Spokane, WA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Spokane, WA
Average Monthly Auto Insurance Rates by Age & Gender in Spokane, WA
Monthly Spokane, WA Auto Insurance Rates by ZIP Code
Spokane, WA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Spokane, WA Auto Insurance Rates by Company vs. City Average
Spokane, WA Auto Insurance Rates by Company and Age
The Cheapest Spokane, WA Auto Insurance Rates by Coverage Level
The Cheapest Spokane, WA Auto Insurance Rates by Credit Score
The Cheapest Spokane, WA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Spokane, WA
Average Monthly Auto Insurance Rates by Age & Gender in Spokane, WA