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Spokane Car Insurance
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$1,683
Average Spokane Annual CostBelow U.S Average👍Great contender for Protect.com savings$140
Average Spokane Monthly CostFault
Washington Fault Type25/50/10
Washington Min. Coverage
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How to Save Money on Car Insurance in Spokane
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Safe Driver Discounts
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Usage-Based Programs
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Education Discounts
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What are the best car insurance companies in Spokane?
Instead of focusing solely on the cheapest companies, we look at the full picture — offering a balance between affordable pricing, coverage types, and the provider's reputation. We prioritize providers known for exceptional customer service in the Spokane area, ensuring you're not just getting a good rate, but reliable support when it matters most. Local agents can provide personalized guidance for navigating Washington's unique insurance requirements, including no-fault coverage.
Compare quotes today to see which Spokane providers are best for your car and wallet.
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Spokane drivers have access to all major national insurance providers, plus several regional carriers that specialize in Washington's unique driving conditions. Whether you're commuting through downtown, or taking a Sunday drive, finding the right coverage at the best price is essential.
Frequently Asked Questions
What is the minimum auto insurance required in Spokane?
Washington requires minimum liability coverage of 25/50/10. This means coverage for bodily injury and property damage as required by state law.
How much does auto insurance cost in Spokane?
The average annual cost of auto insurance in Spokane is $1,683, or about $140 per month for full coverage. Rates vary based on your driving record, age, vehicle, and coverage levels.
Is Washington a fault or no-fault state?
Washington is a Fault state. This affects how insurance claims are handled after an accident.
What factors affect my insurance rates in Spokane?
Insurance rates in Spokane are influenced by your driving record, age, vehicle type, credit score, ZIP code, coverage levels, and available discounts. Local factors like traffic density, crime rates, and weather patterns also play a role.
How often should I shop for auto insurance in Spokane?
It's recommended to compare auto insurance rates annually or whenever you have a major life change (moving, new car, marriage, etc.). Shopping around ensures you're getting the best available rates in Spokane.
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Methodology & Disclosures
Minimum car insurance rates by state provided by Yahoo Finance. Average full coverage car insurance rates by state provided by Bankrate. National average car insurance costs by age provided by WalletHub.
Car insurance rates vary by geographic region, number of drivers, vehicles, driving record, and many other factors. For the purposes of this site and the rates you see, the standard profile has been applied: 40 year old single driver, 2023 Toyota Camry, good credit score, clean driving record and commutes 5 days. Rates also assume bundling and paperless billing discounts.