Spokane Car Insurance

How much does car insurance cost in Spokane, WA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Spokane?

Spokane is a city located in eastern Washington State and is 92 miles south of the Canadian border, 18 miles west of the Idaho border and 279 miles east of Seattle. It was incorporated in 1881.

The city’s name comes from the Spokane tribe and means “children of the sun” and its nickname is the “Lilac City.” The city’s motto is “Creative by Nature.” Spokane is also known as the birthplace of Father’s Day.

In the late 19th century, gold and silver were discovered in the area and Spokane’s local economy soon depended on mining, as well as timber and agriculture. For decades, Spokane farmers exported wheat, livestock and other agricultural products to ports as far away as New York, Liverpool and Tokyo. Today, the city has a strong medical and health industry.

Leading the city’s manufacturing sector are food processing, printing and publishing, primary metal refining and fabrication and electrical and computer equipment businesses. The top employers in Spokane are the State of Washington, Spokane Public Schools, Providence Sacred Heart Medical Center and Children’s Hospital and Spokane County.

There are several colleges and universities in Spokane. Gonzaga University, Spokane Community College, Whitworth University and Washington State University, Spokane are all based in the city.

The Northwest Museum of Arts and Culture explores the region’s history through exhibits on art, culture and Native American Heritage. Riverfront Park, the site of the 1974 World’s Fair, has an outdoor sculpture walk and a cable car ride offering views of Spokane Falls.

Spokane has 87 parks around the city and those parks include six aquatic centers. One of the most scenic parks in Spokane is Riverfront Park, which is 100 acres and located right in downtown Spokane.

If you need car insurance to get around the city legally and safely, SmartFinancial can find you the best rates from the top insurers in your area. All you have to do is enter your zip code, answer some questions and you’ll get the best offers in minutes, all without a fee.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Washington has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Spokane typically pay around $90.43 per month compared to the national average of $167.23 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $167.23
Washington $98.30
Spokane, Washington $90.43

Spokane, WA Best Car Insurance Companies

car insurance in Spokane

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Nat Gen - Lmtd Liab DynamicDrive generally has the most affordable car insurance in Spokane coming in around $43.67 per month. Other companies to consider if you live in Spokane is Direct General with an average cost of $46.02 per month and National General which typically runs around $48.67 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Spokane.

RankCompanyAverage Monthly RateComparison State Average
1 Nat Gen - Lmtd Liab DynamicDrive $43.67-55.57%
2 Direct General $46.02-53.18%
3 National General $48.67-50.49%
4 PEMCO $73.37-25.36%
5 USAA $75.84-22.85%
6 State Farm $85.13-13.39%
7 Capital Insurance Group $91.44-6.97%
8 Allied $111.8513.79%
9 Chubb $115.9517.96%
10 Unigard $116.4918.51%

How Much is Car Insurance in Spokane, WA?

how much is auto insurance in Spokane

Rates can vary from city to city. The residents of Bellevue typically pay $113.87 per month while people who live in Bellingham will pay $83.32 per month on average. See what people pay for car insurance in other cities in Washington.

Washington CitiesMonthly Average Rate
Bellevue $113.87
Bellingham $83.32
Bremerton $85.78
Everett $104.03
Kent $108.54
Lakewood $100.29
Lynnwood $104.07
Olympia $92.83
Puyallup $107.35
Renton $102.26
Seattle $107.82
Spokane $90.43
Tacoma $109.46
Vancouver $99.64
Yakima $89.42

Cheap Car Insurance in Spokane by Zip Codes

find cheap auto insurance in Spokane

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Washington. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Spokane, WA ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Spokane

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $151.02 per month in Spokane. Compare that to drivers in their 30’s who typically pay around $80.56 per month drivers in their 40s at $72.05 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Spokane

If you are teen in Spokane you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, PEMCO typically charges around $124.33 per month. This is likely the most affordable option in Spokane. You might also want to consider Capital Insurance Group and USAA who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Capital Insurance Group$142.18
State Farm$161.86

Cheapest Insurance for 20 Year-olds in Spokane

20 year-olds in Spokane might want to consider USAA who, on average, offers car insurance rates around $98.00 per month. PEMCO , State Farm , Capital Insurance Group and Unigard are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
State Farm$117.52
Capital Insurance Group$119.89

Cheapest Insurance for 30 Year-olds in Spokane

If you are in your 30s in Spokane our research has found that Nat Gen - Lmtd Liab DynamicDrive typically has the most affordable coverage coming in around $43.67 per month, followed by National General at $48.67 and PEMCO at $62.89.

CompanyAverage Monthly Rate
Nat Gen - Lmtd Liab DynamicDrive$43.67
National General$48.67
State Farm$75.42

Cheapest Insurance for 40 Year-olds in Spokane

On average, Direct General offers car insurance for 40 year-olds in Spokane for around $46.02 per month. If you are looking for affordable coverage, you may also want to consider PEMCO or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
Direct General$46.02
State Farm$69.50
Capital Insurance Group$76.58

Cheapest Insurance for 50 Year-olds in Spokane

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Spokane we found that PEMCO generally offers the most affordable coverage at $53.11 per month.

CompanyAverage Monthly Rate
State Farm$62.51
Capital Insurance Group$69.59

Cheapest Insurance for 60 Year-olds in Spokane

If you live in Spokane and you’re in your 60s, our data indicates that PEMCO usually has the best rates at $55.50 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$59.19
Capital Insurance Group$68.96

Driver's Coverage Auto Insurance Rates in Spokane, WA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Spokane, the average monthly rate for a driver who is currently insured is $91.96 while drivers who are not currently covered will pay around $89.38.

CoverageAverage Monthly Rate
Not Currently Insured $89.38
Currently Insured $91.96

Compare Recent Car Insurance Quotes in Spokane

auto insurance quotes in Spokane city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Spokane a driver of a 2018 Dodge Durango can expect to pay around $84.78 per month while someone that owns a 2004 Mercedes-Benz E may pay around $103.97 per month. Check out the list of recent quotes in Spokane below.

VehicleAverage Monthly Rate
2018 Dodge Durango$84.78
2004 Mercedes-Benz E$103.97
2003 GMC New Sierra$254.57
2024 Kia Forte$98.42
2016 Chevrolet Malibu$91.28
2018 Jeep Renegade$109.47
2011 Chevrolet Silverado$58.20
2014 Subaru BRZ$212.05
2005 Bmw 325$53.54

FAQ's for Drivers in Spokane, WA

driver’s frequently asked question in Spokane

What Is the Minimum Liability Coverage Requirement in Spokane, WA?

Every state requires drivers to have a minimum amount of liability coverage. Washington drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Maximum payment for injury or death to multiple people in a single accident
  • $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Drivers in Washington must carry auto insurance in the amount of $25,000 of bodily injury or death for one person per accident, $50,000 of bodily insurance or death for any two people in a single accident, and $10,000 of property damage liability insurance. Alternatively, drivers can apply for a certificate of deposit to pay for liability insurance or have a liability bond of at least $60,000.

Driving a motor vehicle in Washington State without the required insurance can cost you $550 or more in fines. Drivers of motorcycles, mopeds, motor-driven cycles, state or publicly-owned vehicles, and—yep—horseless carriages more than 40 years old, do not need to carry insurance.

What Is the Blood Alcohol Concentration (BAC) limit in Spokane, WA?

It is illegal for individuals to operate a motor vehicle in Washington with the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

Driving under the influence in Washington State refers to operating a motor vehicle while affected by drugs, alcohol, or both. This includes prescription and over-the-counter medications.

What are the consequences of being convicted of a DUI?

Driving under the influence in Washington will result in the suspension of your driver’s license and may also require you to install an ignition interlock device in your vehicle. Fines and criminal penalties, including jail time, are also possible.

The severity of your punishment may vary depending on several factors, including your BAC at the time of your arrest and whether you are a first-time or repeat offender.

Check Out Other Rates in Spokane, WA Nearby Cities:

Spokane Valley, WA


Commute Time in Spokane, WA

20.1 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Spokane, WA


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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