Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Spokane, Washington.

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Updated on Nov 22, 2024

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Learn more about our insurance review board

What's on this page?

Cheapest Car Insurance Quotes in Spokane
Best Car Insurance Companies in Spokane
Best cheap car insurance quotes in Spokane
Average cost of car insurance in Spokane
Car insurance quotes in Spokane by rating factors
How do different factors impact your car insurance costs in Spokane?
Cheap car insurance quotes in Spokane after driving violations
Cheap car insurance quotes in Spokane by age
Cheap car insurance quotes in Spokane based on insurance history
Cheap car insurance quotes in Spokane for popular cars
How to lower car insurance costs in Spokane
FAQ
Methodology
Meet our Experts

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Cheapest Car Insurance Quotes in Spokane

For the average Spokane driver,

auto insurance

costs about $91 per month for minimum coverage liability insurance, and about $192 per month for full coverage insurance. When compared to the

Washington

average, Spokane drivers pay 22% 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)	Customer	Car	Insurance coverage
Progressive	$84	Don, 60 Zip: 99201	Ford Explorer XLT	• State Minimum Liability
Nationwide	$98	Raymond, 30 Zip: 99217	Ford Ecosport SES	• 100,000/300,000 Liability
Allstate	$226	Evan, 34 Zip: 99205	GMC Sierra K2500 AT4	• 50,000/100,000 Liability • Comp / Collision
Travelers	$137	Matilda, 36 Zip: 99205	Hummer H3	• 100,000/300,000 Liability • Comp / Collision
Bristol West	$138	Winnie, 54 Zip: 99202	Chevrolet Tahoe K1500 LS	• State Minimum Liability • Comp / Collision

Last Updated Nov 22, 2024

Compare car insurance quotes now

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

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

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.

Jerry has helped a lot of Spokane drivers find affordable liability coverage—see the table below for real prices.

Progressive

Don (60 years old)

Coverage

State Minimum

Spokane, WA
(Zip Code: 99201)

Ford Explorer XLT

$84

per month

Safeco

Dean (49 years old)

Coverage

State Minimum

Spokane, WA
(Zip Code: 99204)

Jeep Commander

$178

per month

Travelers

Louise (30 years old)

Coverage

State Minimum

Spokane, WA
(Zip Code: 99203)

Toyota Tacoma Double Cab

$169

per month

Allstate

Nannie (34 years old)

Coverage

State Minimum

Spokane, WA
(Zip Code: 99205)

Dodge Avenger SE

$105

per month

National General

Joel (54 years old)

Coverage

State Minimum

Spokane, WA
(Zip Code: 99202)

Chevrolet Tahoe K1500 LS

$117

per month

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.

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$192	Lenora, 31 Zip: 99217	Ford F350 Super Duty
• 50,000/100,000 Liability • Comp / Collision	Nationwide	$138	Don, 37 Zip: 99201	Subaru Impreza Premium
• 50,000/100,000 Liability • Comp / Collision	Allstate	$226	Evan, 34 Zip: 99205	GMC Sierra K2500 AT4
• 100,000/300,000 Liability • Comp / Collision	Travelers	$137	Matilda, 36 Zip: 99205	Hummer H3
• State Minimum Liability • Comp / Collision	National General	$117	Joel, 54 Zip: 99202	Chevrolet Tahoe K1500 LS

Last Updated Nov 20, 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.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

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 $91 per month or $1,097 per year. For full coverage insurance in Spokane, the average cost is $192 for month or $2,307 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

Compare car insurance costs in other states

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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.

How do different factors impact your car insurance costs in Spokane?

Allowed (with applicable limitations): Driving experience, age, gender, occupation, credit history, education, marital status, employment status, residential status.

Prohibited (or effectively prohibited):

Learn more abut the car insurance rating factors in Spokane:

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)	Customer	Car	Insurance Coverage
Speeding 1-5	Progressive	$182	Elsie, 35 Zip: 99208	Honda Pilot EXL	• State Minimum Liability • Comp / Collision
Speeding 11-15	Dairyland	$199	Ethel, 29 Zip: 99206	Ford F150	• State Minimum Liability • Comp / Collision
Speeding 16-20	Safeco	$93	Leroy, 29 Zip: 99217	Ford Ecosport SES	• 100,000/300,000 Liability
Speeding 21+	Safeco	$68	Marie, 31 Zip: 99208	Subaru Outback 2.5I Premium	• 100,000/300,000 Liability • Comp / Collision

Last Updated Nov 22, 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. Here’s a look at rates for these drivers.

National General

Lucinda (28 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Spokane, WA
(Zip Code: 99205)

Nissan Xterra SE

$127

per month

Aspire Advantage

Bertha (27 years old)

Coverage

15,000 per person

30,000 per accident bodily injury

Spokane, WA
(Zip Code: 99207)

Honda Accord EXL

$114

per month

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)	Customer	Car	Insurance coverage
At Fault With Injury	Bristol West	$77	Leona, 36 Zip: 99205	Dodge Stratus SXT	• State Minimum Liability
At Fault With No Injury	Progressive	$182	Anne, 35 Zip: 99208	Honda Pilot EXL	• State Minimum Liability • Comp / Collision
Not At Fault	Safeco	$230	Christian, 33 Zip: 99205	GMC Sierra K2500 AT4	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Nationwide	$138	Shane, 36 Zip: 99201	Subaru Impreza Premium	• 50,000/100,000 Liability • Comp / Collision

Last Updated Nov 18, 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)	Customer	Car	Insurance coverage
Failure to Stop	Allstate	$136	Lillie, 43 Zip: 99224	Honda Accord LXP	• 50,000/100,000 Liability • Comp / Collision
Wrong Way/Wrong Lane	Bristol West	$108	Rosa, 42 Zip: 99205	Toyota Corolla VE	• State Minimum Liability
Careless Driving	Progressive	$139	Emily, 24 Zip: 99204	Chevrolet Traverse LS	• State Minimum Liability • Comp / Collision
Driving on Sus. License	National General	$153	Jerry, 45 Zip: 99208	Lexus GS 300	• State Minimum Liability • Comp / Collision
Failure to Stop	Allstate	$136	Rebecca, 43 Zip: 99224	Honda Accord LXP	• 50,000/100,000 Liability • Comp / Collision

Last Updated Nov 21, 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.

Progressive

Myrtie (24 years old)

Coverage

State Minimum

Spokane, WA
(Zip Code: 99201)

Hyundai Santa FE SE

$125

per month

Safeco

Mason (24 years old)

Coverage

State Minimum

Spokane, WA
(Zip Code: 99217)

Chevrolet Silverado K1500

$152

per month

National General

Joseph (20 years old)

Coverage

State Minimum

Spokane, WA
(Zip Code: 99208)

Chrysler 200 Limited

$280

per month

Bristol West

Cecilia (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Spokane, WA
(Zip Code: 99205)

Jeep Cherokee Latitude Plus

$269

per month

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.

Progressive

Harry (73 years old)

Coverage

State Minimum

Spokane, WA
(Zip Code: 99201)

Chevrolet Cruze LS

$81

per month

Nationwide

Gordon (70 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Spokane, WA
(Zip Code: 99217)

KIA Sportage LX

$99

per month

Dairyland

Gerald (65 years old)

Coverage

State Minimum

Spokane, WA
(Zip Code: 99207)

Honda Accord LX

$71

per month

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, just like the Spokane drivers shown below.

Progressive

Betty (42 years old)

Currently Insured

Coverage

State Minimum

Spokane, WA
(Zip Code: 99224)

Dodge Intrepid

$64

per month

Allstate

Gavin (33 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Spokane, WA
(Zip Code: 99205)

GMC Sierra K2500 AT4

$226

per month

Nationwide

Leroy (36 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Spokane, WA
(Zip Code: 99201)

Subaru Impreza Premium

$138

per month

Safeco

Rodney (59 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Spokane, WA
(Zip Code: 99223)

Toyota RAV4 SE

$110

per month

Bristol West

Lucas (33 years old)

Currently Insured

Coverage

State Minimum

Spokane, WA
(Zip Code: 99201)

Chevrolet Malibu LS

$112

per month

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

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Blake

Paying a lot less then I thought I could.

Nick

For my first time getting my own policy and looking for insurance. This was easy, straight forward, and cheaper. I love it.

Briana

Always friendly and ready to help

Lauren

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)	Customer	Car	Insurance Coverage
> 750	The General	$63	Brian, 67 Zip: 99204	Dodge RAM 1500	• State Minimum Liability
660 - 750	Progressive	$103	Jane, 54 Zip: 99224	Mitsubishi Endeavor LS	• State Minimum Liability • Comp / Collision
660 - 750	Safeco	$110	Floyd, 59 Zip: 99223	Toyota RAV4 SE	• 100,000/300,000 Liability • Comp / Collision
550 - 659	Bristol West	$112	Duane, 33 Zip: 99201	Chevrolet Malibu LS	• State Minimum Liability • Comp / Collision
< 550	National General	$82	Lucas, 48 Zip: 99204	Mazda 3 i	• State Minimum Liability

Last Updated Nov 20, 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:

MORE:

How to get car insurance before buying a car

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Honda Civic Touring	Progressive	$182	Lester, 34 Zip: 99207	• State Minimum Liability • Comp / Collision

Last Updated Nov 18, 2024

Cheapest car insurance in Spokane for new vs. old car

In general, insuring a car that is older than 10 years can lead to significant savings. However, if you have your heart set on driving a brand new car, it's important to be aware that premium rates will reflect the value of the vehicle.

Progressive

Don (60 years old)

2012 Ford Explorer XLT

Coverage

State Minimum

Spokane, WA
(Zip Code: 99201)

$84

per month

Travelers

Matilda (36 years old)

2006 Hummer H3

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Spokane, WA
(Zip Code: 99205)

$137

per month

Nationwide

Raymond (30 years old)

2019 Ford Ecosport SES

Coverage

100,000 per person

300,000 per accident bodily injury

Spokane, WA
(Zip Code: 99217)

$98

per month

Allstate

Isaac (41 years old)

2009 Toyota Highlander

Coverage

100,000 per person

300,000 per accident bodily injury

Spokane, WA
(Zip Code: 99223)

$95

per month

Bristol West

Winnie (54 years old)

2011 Chevrolet Tahoe K1500 LS

Coverage

State Minimum

Spokane, WA
(Zip Code: 99202)

$138

per month

National General

Gavin (25 years old)

2016 KIA Forte

Coverage

State Minimum

Spokane, WA
(Zip Code: 99203)

$71

per month

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!

Compare car insurance quotes now

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.

MORE:

How to choose a car insurance deductible

Learn more:

11 Ways to lower 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.

FAQ

How much is car insurance in Spokane?

People living in Spokane pay on average $91 per month – or $1,097 per year – on state-minimum liability coverage. Full coverage in Spokane costs on average $192 per month or $2,307 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the minimum car insurance in Spokane, Washington?

The state-minimum car insurance in Spokane, Washington is as follows:

$20,000 bodily injury liability per person

$40,000 bodily injury liability per accident

$15,000 property damage liability per accident

These coverages are commonly referred to as 20/40/15 coverage.

What is the cheapest car insurance in Spokane?

Based on thousands of Spokane drivers Jerry has worked with, car insurance in Spokane costs an average of $91 per month for state-minimum coverage and $192 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Spokane?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica, Farmers, and The General receive good ratings from Spokane drivers, based on the largest car insurance survey in the nation conducted by Jerry.

Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.