Spokane drivers must handle a mix of urban streets, winding hills and highways like Interstate 90. Harsh winter weather brings snow and ice, making roads slick, while summer wildfire smoke can reduce visibility. As the city grows, increased traffic will add to the challenge.
We’ve gathered car insurance quote data for real Jerry customers in Spokane to show you how your age, coverage level and driving history affect your premium.
Cheapest minimum coverage insurance in Spokane, WA
Washington requires drivers to carry these minimum coverages:
- $25,000 for bodily injury or death of one person.
- $50,000 for bodily injury or death of two people.
- $10,000 for damage to other peoples’ property.
Here are the cheapest quotes that drivers in Spokane received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $42 | $506 | The General | 48 | April 11, 2024 | Spokane, WA | 99223 |
| $47 | $558 | The General | 41 | January 6, 2024 | Spokane, WA | 99203 |
| $49 | $584 | Progressive | 42 | March 9, 2025 | Spokane, WA | 99205 |
| $49 | $590 | Dairyland | 59 | October 4, 2024 | Spokane, WA | 99202 |
| $51 | $616 | The General | 68 | February 11, 2024 | Spokane, WA | 99204 |
| $51 | $616 | Progressive | 64 | October 12, 2024 | Spokane, WA | 99216 |
| $52 | $624 | Progressive | 24 | March 6, 2025 | Spokane, WA | 99207 |
| $52 | $624 | The General | 42 | February 28, 2024 | Spokane, WA | 99208 |
| $55 | $665 | Dairyland | 55 | February 2, 2024 | Spokane, WA | 99208 |
| $56 | $672 | The General | 37 | July 26, 2024 | Spokane, WA | 99205 |
More: The cheapest car insurance in Washington
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Spokane, WA
Full coverage can protect your finances if your vehicle is damaged by vandalism or fire, or if you’re in an accident. Here are the cheapest quotes for full coverage in Spokane that Jerry customers have received.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $55 | $658 | Progressive | 24 | March 6, 2025 | Spokane, WA | 99207 |
| $59 | $706 | Progressive | 38 | September 23, 2024 | Spokane, WA | 99217 |
| $61 | $730 | Progressive | 66 | November 20, 2024 | Spokane, WA | 99218 |
| $62 | $738 | Progressive | 70 | March 1, 2025 | Spokane, WA | 99204 |
| $63 | $752 | The General | 43 | April 26, 2024 | Spokane, WA | 99202 |
| $69 | $830 | Dairyland | 62 | May 18, 2024 | Spokane, WA | 99217 |
| $79 | $942 | National General | 61 | December 1, 2024 | Spokane, WA | 99201 |
| $82 | $984 | The General | 38 | November 29, 2024 | Spokane, WA | 99202 |
| $82 | $988 | Progressive | 43 | December 15, 2024 | Spokane, WA | 99201 |
| $83 | $994 | Bristol West | 48 | April 18, 2024 | Spokane, WA | 99204 |
Cheapest car insurance for young drivers in Spokane, WA (18-29 years old)
Young drivers often pay higher insurance rates because insurers view their lack of driving experience as risky. Given that insurers weigh this risk differently, getting quotes from multiple companies may help you find the cheapest coverage. Here are the cheapest quotes that Jerry customers in Spokane have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $49 | $590 | Progressive | 24 | No | March 6, 2025 | Spokane, WA | 99207 |
| $55 | $658 | Progressive | 24 | Yes | March 6, 2025 | Spokane, WA | 99207 |
| $60 | $714 | Dairyland | 28 | No | December 4, 2023 | Spokane, WA | 99223 |
| $65 | $780 | Progressive | 28 | No | March 13, 2025 | Spokane, WA | 99208 |
| $65 | $784 | The General | 28 | No | April 21, 2024 | Spokane, WA | 99205 |
Cheapest car insurance for mature drivers in Spokane, WA (30-54 years old)
Drivers between 30 and 54 years old typically receive lower rates than younger drivers, but to keep premiums as low as possible, it’s wise to regularly compare quotes from different insurers before your policy renews. Here are the cheapest car insurance quotes for mature drivers in Spokane who have received quotes via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $42 | $506 | The General | 48 | No | April 11, 2024 | Spokane, WA | 99223 |
| $47 | $558 | The General | 41 | No | January 6, 2024 | Spokane, WA | 99203 |
| $49 | $584 | Progressive | 42 | No | March 9, 2025 | Spokane, WA | 99205 |
| $52 | $624 | The General | 42 | No | February 28, 2024 | Spokane, WA | 99208 |
| $56 | $668 | The General | 38 | No | January 21, 2024 | Spokane, WA | 99201 |
Cheapest car insurance for older drivers in Spokane, WA (55+ years old)
Drivers who are 55 and older usually see their insurance rates continue to fall. However, rates could start rising once a driver reaches their 70s. Here are the cheapest quotes that older drivers in Spokane have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $49 | $590 | Dairyland | 59 | October 4, 2024 | Spokane, WA | 99202 | No |
| $51 | $616 | The General | 68 | February 11, 2024 | Spokane, WA | 99204 | No |
| $51 | $616 | Progressive | 64 | October 12, 2024 | Spokane, WA | 99216 | No |
| $55 | $665 | Dairyland | 55 | February 2, 2024 | Spokane, WA | 99208 | No |
| $57 | $679 | Dairyland | 82 | April 25, 2024 | Spokane, WA | 99208 | No |
Cheapest car insurance for drivers with clean records in Spokane, WA
Drivers with clean records — no claims, accidents or violations — typically receive the cheapest premiums. Here are the cheapest quotes for drivers in Spokane with clean records, based on Jerry data.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $47 | $558 | The General | 41 | January 6, 2024 | No | Spokane, WA | 99203 |
| $49 | $590 | Dairyland | 59 | October 4, 2024 | No | Spokane, WA | 99202 |
| $49 | $590 | Progressive | 24 | March 6, 2025 | No | Spokane, WA | 99207 |
| $51 | $616 | Progressive | 64 | October 12, 2024 | No | Spokane, WA | 99216 |
| $51 | $616 | The General | 68 | February 11, 2024 | No | Spokane, WA | 99204 |
| $52 | $624 | The General | 42 | February 28, 2024 | No | Spokane, WA | 99208 |
| $55 | $658 | Progressive | 24 | March 6, 2025 | Yes | Spokane, WA | 99207 |
| $55 | $665 | Dairyland | 55 | February 2, 2024 | No | Spokane, WA | 99208 |
| $56 | $668 | The General | 38 | January 21, 2024 | No | Spokane, WA | 99201 |
| $56 | $672 | The General | 37 | July 26, 2024 | No | Spokane, WA | 99205 |
Cheapest car insurance for drivers with low credit scores in Spokane
Washington allows insurers to consider credit history when determining premiums. If you have a low score you may receive a higher rate, so it’s wise to compare quotes from multiple insurers as they can weigh credit history differently in their pricing formulas. Below are the cheapest quotes that Spokane drivers with credit scores below 550 have received via Jerry.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $52 | $624 | The General | 42 | February 28, 2024 | Spokane, WA | 99208 |
| <550 | $55 | $665 | Dairyland | 55 | February 2, 2024 | Spokane, WA | 99208 |
| <550 | $56 | $672 | The General | 37 | July 26, 2024 | Spokane, WA | 99205 |
| <550 | $57 | $680 | Dairyland | 48 | January 3, 2024 | Spokane, WA | 99202 |
| <550 | $58 | $690 | The General | 66 | November 9, 2023 | Spokane, WA | 99204 |
Cheapest car insurance for drivers with at-fault accidents in Spokane, WA
Drivers who have new at-fault accidents on their records usually see their insurance costs rise. Therefore, it’s wise to compare quotes just before your renewal date to find the cheapest option. Here are the cheapest quotes that drivers in Spokane with at-fault accidents on their records have received via Jerry.
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $57 | $686 | The General | 43 | No | February 12, 2024 | Spokane, WA | 99202 |
| At Fault With Injury | $60 | $714 | Dairyland | 28 | No | December 4, 2023 | Spokane, WA | 99223 |
| At Fault With No Injury | $63 | $752 | The General | 43 | No | February 23, 2024 | Spokane, WA | 99202 |
| At Fault With No Injury | $63 | $752 | The General | 43 | No | February 19, 2024 | Spokane, WA | 99202 |
| At Fault With No Injury | $63 | $752 | The General | 43 | No | April 26, 2024 | Spokane, WA | 99202 |
Cheapest car insurance for drivers with speeding tickets in Spokane, WA
Getting a speeding ticket will typically cause your auto insurance costs to rise. To get the best rate, it’s wise to get multiple quotes when your renewal date is close. Here are the cheapest quotes Jerry customers with speeding citations in Spokane received.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $42 | $506 | The General | 48 | April 11, 2024 | Spokane, WA | 99223 |
| Speeding under 15 | $49 | $584 | Progressive | 42 | March 9, 2025 | Spokane, WA | 99205 |
| Speeding under 15 | $63 | $752 | The General | 43 | April 26, 2024 | Spokane, WA | 99202 |
| Speeding over 15 | $65 | $778 | The General | 37 | March 29, 2024 | Spokane, WA | 99218 |
| Speeding under 15 | $66 | $788 | The General | 38 | March 30, 2024 | Spokane, WA | 99216 |
Cheapest car insurance for drivers with DUIs in Spokane, WA
A DUI will typically cause an increase in your policy costs and some insurers may decline coverage. Getting multiple quotes can help you find an insurer that can provide the coverage you need at a low rate. Here are the cheapest quotes that drivers in Spokane with DUIs have received via Jerry.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $119 | $1,428 | Dairyland | 35 | May 13, 2024 | Spokane, WA | 99201 |
| DUI | $130 | $1,554 | The General | 56 | December 11, 2024 | Spokane, WA | 99202 |
| DUI | $145 | $1,742 | Dairyland | 28 | February 9, 2024 | Spokane, WA | 99207 |
| DUI | $170 | $2,040 | National General | 56 | December 11, 2024 | Spokane, WA | 99202 |
| DUI | $216 | $2,598 | Dairyland | 28 | February 8, 2024 | Spokane, WA | 99207 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
