Cheapest car insurance quotes in Spokane

For the average Spokane driver, auto insurance costs about $94 per month for minimum coverage liability insurance, and about $149 per month for full coverage insurance. When compared to the Washington average, Spokane drivers pay 11% less.

Finding the cheapest car insurance quotes for Spokane drivers is easy—just use the comparison app Jerry to review and purchase car insurance policies. Take a look at the rates below. These are the cheapest car insurance quotes that Jerry uncovered for Spokane customers.

Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
The General	$335	33	99206	Kia Sportage Lx	State Minimum	Yes
Progressive	$94	23	99207	Hyundai Tucson Gls	50/100	Yes
National General	$78	42	99201	Jeep Liberty Limited	State Minimum	No
Progressive	$75	27	99202	Chevrolet Cruze Ls	State Minimum	No
National General	$158	31	99217	Bmw 328Xi Sulev	State Minimum	No

Last Updated Dec 24, 2024

Best car insurance companies in Spokane

Let’s start with a truth bomb: There is no single best car insurance company for every Spokane driver. Rates in Washington can vary widely from driver to driver, even within the same city.

The most affordable insurance company for you may be different from the cheapest company for your neighbor across town. And remember, price is not the only factor to consider when you’re shopping—customer service and claims handling are pretty important, too!

Jerry conducted a nationwide insurance survey to help drivers find the cheapest policies and best car insurance companies. There are mixed reviews across the board, from major insurers like Progressive down to smaller providers like Root.

See the table below to find out how drivers in Spokane rate different companies on a scale of 0 to 5.

Insurance company	Overall rating	Price	Claims experience	Customer service
State Farm	4.5	4.4	3.7	4.3
Allstate	4.4	3.7	N/A	4.5
Progressive	4.2	4	3	4
Geico	3.8	3.4	3.8	3.7
USAA	3.6	3.2	4.3	3.4

Best cheap car insurance quotes in Spokane

All Spokane drivers must purchase minimum coverage car insurance for liability to the amount of 25/50/10. This is Washington state’s minimum for car insurance requirements and it applies to all drivers in the state.

This minimum coverage includes property damage liability and bodily injury liability coverage. While you’ll get the cheapest rate by opting for minimal coverage, it doesn’t give you much protection in the event of an accident. Spokane drivers should choose full coverage to cover repair costs for their own vehicles.

Cheap minimum liability insurance quotes in Spokane

Let’s take a closer look at the required liability auto insurance coverage for Spokane drivers:

• $25,000 per person of bodily injury liability coverage
  
• $50,000 per accident of bodily injury liability coverage
  
• $10,000 per accident of property damage liability

Remember, these are the bare minimum levels of liability coverage. Every Spokane driver needs to meet—or exceed—these thresholds for liability coverage.

Do you need more than minimum coverage in Spokane?

Choosing 25/50/10 coverage won’t break any laws, but higher limits provide better protection for Spokane drivers who get into an accident.

Imagine the costs involved after a major crash: medical expenses, car replacement fees, and potential lawsuits that could amount to hundreds of thousands of dollars. Your minimum coverage may not cover all these expenses, leaving you financially liable.

Ultimately, Spokane drivers should get as much liability coverage as they can afford—especially because the added protection may not be as costly as you think.

The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.

Cheap full coverage car insurance quotes in Spokane

Full coverage is the only way to cover yourself and your vehicle. Liability coverage only protects you from lawsuits if someone else sues you for damages when you cause an accident.

A full coverage policy in Spokane includes comprehensive and collision coverage.

Collision coverage: If you get into a collision—with a mailbox or another vehicle—this coverage will pay for the damage.

Comprehensive coverage: If your vehicle suffers non-collision damage—like dents from hail, vandalism, or theft—this coverage will kick in.

Be aware that you might be required to have full coverage if you own a financed vehicle. Lenders wish to protect their investment, so they often require this extra coverage. Check with your lender before you start shopping for insurance.

Take a look at real sample costs for full coverage insurance policies in Spokane.

Liability Limits	Has Full Coverage	Insurance Company	Premium (monthly)	Age	Zip Code	Car
State Minimum	Yes	The General	$335	33	99206	Kia Sportage Lx
50/100	Yes	Progressive	$94	23	99207	Hyundai Tucson Gls
State Minimum	No	National General	$78	42	99201	Jeep Liberty Limited
State Minimum	No	Progressive	$75	27	99202	Chevrolet Cruze Ls
State Minimum	No	National General	$158	31	99217	Bmw 328Xi Sulev

Last Updated Dec 24, 2024

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

Average cost of car insurance in Spokane

Because we have helped so many Spokane drivers find car insurance, we’ve discovered that the average cost of minimum liability coverage is $94 per month or $1,131 per year. For full coverage insurance in Spokane, the average cost is $149 a month or $1,786 per year.

Be warned: Average rates can help you get a better idea of what to expect with rates. However, there’s no such thing as the “average” Spokane driver. Your rate will be entirely unique to your driver profile, even if you share a zip code with thousands of other people.

Based on your unique situation, your monthly costs could go up to several hundred dollars per month.

Average cost of car insurance in Spokane by zip code

Every city has multiple zip codes—and each zip code has a unique risk profile. In Spokane, some neighborhoods experience more traffic accidents or car thefts. With higher risk comes higher insurance premiums. So which zip codes are the highest risk in Spokane?

Let’s see what the data says.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
99201	$80	$92
99202	$36	$139
99203	$41	$171
99205	$66	$153
99206	$63	$143
99208	$78	$153
99212	$56	$156
99216	$77	$126
99217	$55	$115
99223	$74	$118
99224	$62	$144

Car insurance quotes in Spokane by rating factors

Insurance companies in Spokane use many rating factors when deciding your auto insurance premium:

• Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets—even if they happened in another city or state.
• Your credit score: Low credit applicants (under 600) will pay much more for insurance than people with strong credit (over 750) who get the best rates.
• Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
• The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
• Where you keep your car: If you park your car on the street—especially if you live in an area with high auto theft rates—rates will be higher than if you park in a garage or driveway.
• How you use your car: Frequent commuters pay more for coverage than infrequent leisure drivers.

Cheap car insurance quotes in Spokane after driving violations

Driving violations not only result in fines and legal consequences, but they can also impact your insurance premiums. Accumulating a significant number of violations on your record categorizes you as a high-risk driver.

While it is still possible for high-risk drivers in Spokane to obtain coverage, it’s important to note that your policy will likely be more expensive compared to that of another driver who has a clean record.

Here are some of the violations that could trigger a rate hike:

• Speeding
• DUIs
• Hit-and-run
• At fault accident
• Reckless driving
• Driving on a suspended license
• Driving without insurance

Cheapest car insurance in Spokane after speeding ticket

If you exceed the speed limits, you will face penalties based on how fast you were going over the speed limit. The state levies fines for speeding that increase with each mile over the limit—and reckless driving incurs exceptionally high fines, too.

While speeding tickets can significantly impact insurance rates for drivers in Spokane, it’s still possible to find affordable coverage even with a speeding ticket on record.

Here’s how we have successfully helped other Spokane drivers in similar situations.

Speeding Type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Speeding Violation-Minor	National General	$120	30	99223	Toyota 4Runner Sport Ed	State Minimum	Yes
Speeding Violation-Minor	Bristol West	$242	35	99202	Ford Focus S	50/100	Yes
Speeding 16-20	The General	$166	29	99212	Kia Stinger Gt Line	State Minimum	No
Speeding 1-5	Bristol West	$537	29	99206	Ford F-150	State Minimum	Yes
Speeding Violation-Minor	The General	$347	67	99212	Buick Enclave Cx	State Minimum	Yes

Last Updated Dec 24, 2024

Cheapest car insurance in Spokane after DUI

A DUI conviction in Spokane will definitely lead to a significant increase in your insurance rates. It’s possible that certain insurance companies could decline coverage altogether.

We understand that navigating the process of finding insurance after a DUI in Washington can be complex. Rates may vary widely from one company to another.

Jerry has helped Spokane drivers with DUI convictions find coverage.

Cheapest car insurance in Spokane after an at-fault accident

Causing an accident is an indication to insurance companies that you could pose an increased risk. However, it’s important to remember that you still have options for finding a favorable insurance rate, even with an at-fault accident on your Washington State driving record.

Below, you can see real rates for Spokane drivers who have at-fault convictions on record.

Accident type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
At Fault With No Injury	The General	$335	33	99206	Kia Sportage Lx	State Minimum	Yes
Not At Fault	Bristol West	$122	60	99201	Ford Explorer Xlt	State Minimum	Yes
At Fault With No Injury	The General	$82	37	99202	Dodge Neon Base	State Minimum	Yes
Not At Fault	Electric	$1,490	43	99205	Lincoln Continental Black Label	50/100	Yes
At Fault With No Injury	Dairyland	$386	21	99223	Hyundai Elantra Se	State Minimum	Yes

Last Updated Dec 24, 2024

Cheapest car insurance in Spokane after other driving violations

In Spokane, even a minor violation such as tailgating can have an impact on a driver’s car insurance rates.

To better understand how common traffic violations can affect your car insurance rates, check out the data below from real Spokane drivers.

Violation	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Cell Phone	National General	$158	31	99217	Bmw 328Xi Sulev	State Minimum	No
DUI	National General	$170	55	99202	Lexus Es 350	State Minimum	Yes
Other Minor	Bristol West	$111	32	99203	Chevrolet Cruze Lt	State Minimum	No
Other Minor	National General	$71	25	99203	Kia Forte	State Minimum	No
Wrong Way/Wrong Lane	National General	$194	54	99202	Chevrolet Tahoe K1500 Ls	State Minimum	Yes

Last Updated Dec 24, 2024

Cheap car insurance quotes in Spokane by age

Older drivers in Spokane may face increased risks in the event of an accident, whereas younger drivers and those with provisional licenses often have limited experience on the road. There’s risk at every age!

If you’re under 25 or over 75, it is likely that you will incur higher premiums for coverage in Spokane.

Cheapest car insurance in Spokane for young drivers

Teen drivers in Spokane under the age of 19 tend to face the highest insurance costs. This emphasizes the importance of considering full coverage, particularly for young drivers operating newer vehicles.

Real rates are the best source of information, so check out these young drivers and their rates in Spokane.

Cheapest car insurance in Spokane for senior drivers

Seniors in Spokane pay higher costs for car insurance, primarily due to their increased vulnerability to serious injuries in the event of a car accident. Car insurance companies take this into consideration when determining coverage rates for older drivers in Spokane.

Cheap car insurance quotes in Spokane based on insurance history

Maintaining consistent car insurance coverage is essential to avoid any red flags on your record. Companies take note of any lapses in coverage, which typically result in increased premiums.

With Jerry, you can enjoy the advantage of regular reminders to prevent coverage gaps.

We also assist drivers who have experienced lapses in finding coverage again.

Cheap car insurance quotes in Spokane for drivers with poor credit

Although insurers were temporarily blocked from using credit as a factor for setting rates in Washington, the practice is currently allowed, meaning when you buy insurance in Spokane your credit score will affect your premium.

Data shows that individuals with poor credit tend to file more insurance claims. Consequently, if your credit score falls below 600, it is likely that you’ll pay a higher rate for coverage.

To gain insights into the insurance premiums paid by drivers with poor credit in Spokane, here’s a glimpse into some real figures.

Credit Range	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
550-659	The General	$335	33	99206	Kia Sportage Lx	State Minimum	Yes
660-750	Progressive	$94	23	99207	Hyundai Tucson Gls	50/100	Yes
550-659	National General	$78	42	99201	Jeep Liberty Limited	State Minimum	No
660-750	Progressive	$75	27	99202	Chevrolet Cruze Ls	State Minimum	No
660-750	National General	$158	31	99217	Bmw 328Xi Sulev	State Minimum	No

Last Updated Dec 24, 2024

Cheap car insurance quotes in Spokane for popular cars

Your make and model is a big factor when it comes to car insurance. Your model impacts the cost of repairs, likelihood of theft, and even your safety ratings.

In Spokane, here are some of the most popular vehicles:

• Ford F-150
  
• Honda Civic
  
• Ram 1500
  
• Toyota Tacoma
  
• Chevy Silverado 1500

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Learn More: How to get car insurance before buying a car

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Popular Car	Insurance Company	Premium (monthly)	Age	Zip Code	Liability Limits	Has Full Coverage
Honda Civic Ex	Dairyland	$49	58	99202	State Minimum	No
Ford F-150	Bristol West	$537	29	99206	State Minimum	Yes
Honda Civic Ex	Bristol West	$101	36	99205	State Minimum	No
Chevrolet Silverado K1500	Dairyland	$99	34	99206	State Minimum	No
Honda Civic Ex	The General	$109	25	99202	State Minimum	No

Last Updated Dec 24, 2024

How to lower car insurance costs in Spokane

1. Shop around and compare quotes

Each insurance company has its own set of rules to determine the price you pay for car insurance—and these rules can change over time. To make sure you always get the best deal, experts suggest comparing prices from at least three companies and checking for new rates every six months. This way, you can find the most affordable option that suits your needs.

Remember, we’re here to help Spokane drivers understand and choose the insurance that works best for them!

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

2. Hunt for car insurance discounts

Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:

• Good driver discounts. Qualification requirements vary by company, but Spokane drivers may be able to unlock a serious discount for having a clean record with no or minimal points and accidents.
  
• Telematics discounts. Enrolling in telematics programs to track your driving habits can unlock a world of easy-to-attain discounts offered by many companies. In fact, you may even receive a discount just by signing up!
  
• Good student discounts. Are you a full-time student in Spokane who is either in high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
  
• Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

Want to maintain comprehensive coverage for your vehicle while keeping your monthly costs in check? Consider adjusting your deductible if you have full coverage car insurance.

Why is car insurance in Spokane so expensive?

• Traffic: Certain areas of Spokane may experience dense traffic, leading to a higher rate of car accidents. That could cause insurance companies to charge higher prices.
  
• Crime: Insurance companies look at the crime rate in Spokane—especially car theft and vandalism—when they’re determining the cost of comprehensive car insurance.
  
• Natural disasters: Washington is known to experience natural disasters like earthquakes and floods. Insurance companies consider the increased risk of vehicle damage from these events when setting rates.

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