Cheapest Auto Insurance in Spokane, Washington (2024)

State Farm has the cheapest car insurance in Spokane, with monthly liability rates as low as $42.

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Cheapest recent rates near Spokane, Washington

Recent Spokane, Washington car insurance prices for Ford, Dodge, Toyota , and more.

*Quotes generated for Insurify users in and around Spokane, Washington within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Spokane, Washington within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Bob Phillips
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Bob Phillips
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Updated October 30, 2024

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The average cost of car insurance in Spokane is $74 per month for liability coverage, which is lower than the Washington state average of $76 and the national average of $104 per month.

Spokane County has a population of around 551,500 people but a low population density of 305 people per square mile.[1] Residents driving in areas with low population density often face lower risks of property damage and car accidents.

Heres what you need to know about finding cheap car insurance in Spokane, including how to compare quotes and coverage options.

Quick Facts
  • State Farm, USAA, and Direct Auto have the cheapest liability insurance in Spokane.

  • On average, full-coverage insurance costs $211 in the U.S., $161 in Washington, and $125 in Spokane.

  • In 2022, a Washington court overturned a ban on credit scoring. So, insurance companies in the state can consider your credit history when determining premiums.[2]

3 of the cheapest car insurance companies in Spokane

The best car insurer for you will depend on many factors, including your age, gender, vehicle type, driving record, coverage limits, deductible, marital status, and more.

For instance, if you only need liability coverage, State Farm is the most affordable option. But if you have a DUI on your record or you’re looking to insure a teen driver, you may find another insurer, like Allstate, to have better rates. Getting the most affordable auto quotes by evaluating different companies can help you find the right coverage for your situation at the lowest rates.

Here, you can learn more about three of the area’s top insurers: GEICO, USAA, and State Farm. The quotes below reflect statewide average rates in Washington.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
GEICO9.0$145$65Discounts
USAA9.4$121$54Military families
State Farm9.3$118$53Low rates
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
User Reviews
3.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$53/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$113/mo

Founded in 1936 and initially known as Government Employees Insurance Company, GEICO expanded beyond federal employees to achieve rapid growth in the ‘90s, becoming a major insurer.

The company offers competitive rates in Spokane that can be lowered even more by utilizing any of its numerous discounts, including good driver, new vehicle, good student, military, federal employee, and more.

Pros
  • Wide variety of discounts

  • Web and mobile properties among industry leaders

  • Good rates for drivers with a speeding ticket or poor credit 

Cons
  • Rates for drivers with a DUI higher than many competitors

  • Rideshare insurance not available

  • Vanishing deductible and new-car replacement not available

Read more driver reviews of GEICO
Herman - October 29, 2024
Verified

Excellent

For us, it came down to cost and having all of our insurance with the same company, not farmed out.

Greg - October 29, 2024
Verified

It's Expensive

It's expensive.

Robert - October 29, 2024
Verified

Unpleasant Experience on Cape Cod

My insurance has gone from $37 a month to $82. Stay far away from this company.

Best insurer for military families: USAA

Compare personalized, real-time quotes
User Reviews
3.6
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$43/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$94/mo

USAA was founded in 1922 by a group of Army soldiers who wanted to help protect each other’s vehicles. Today, the company serves more than 12 million members and has a net worth of $31 billion. USAA is focused solely on the military community, and all of its offerings target this group exclusively.

Pros
  • Variety of discounts, including bundle and save, military discounts, and good student discounts

  • Offers banking and investment products

  • Available in every state and Washington, D.C. 

Cons
  • Only available to active members of the military, veterans, or family members of service members

  • No 24/7 phone support

  • Not accredited by the Better Business Bureau (BBB)

Read more driver reviews of USAA
Kent - October 29, 2024
Verified

Excellent

The insurance is a bit high.

Dorothy - October 29, 2024
Verified

Significant Increase in Policy Payment

Be cautious not to have an accident, as my policy payment increased by $300 a month.

Martin - October 29, 2024
Verified

My Opinion

They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.

Best insurer for low rates: State Farm

Compare personalized, real-time quotes
User Reviews
3.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$42/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$93/mo

State Farm opened its doors in 1922 on the idea that farmers should pay less for insurance, since their risks were different than city drivers. Today, the company offers a range of products, from auto insurance to home insurance coverage. 

While rates fluctuate, State Farm is continually among the area leaders in low rates for both liability only and full coverage.

Pros
  • Rideshare coverage available

  • Comprehensive travel and rental car coverage available

  • Low rates for both liability and full coverages

Cons
  • Gap insurance not available

  • Fewer discounts than some competitors

  • Higher rates for drivers with poor credit

Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified

Good

The insurance is higher than other companies' policies.

Marsha - October 29, 2024
Verified

Friendly agents!

Check out their prices!

Linda - October 29, 2024
Verified

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

How to get the cheapest car insurance in Spokane

Getting car insurance can be expensive, so it’s important to find ways to lower your rates. Thankfully, you have several effective ways to get cheap car insurance in Spokane, including:

  • Add multiple cars or family members to your policy.

  • Bundle your insurance products, such as auto insurance with renters insurance, life insurance, and a homeowners insurance policy.

  • Maintain a clean driving record.

  • Review your deductibles and coverage limits with insurance professionals.

  • Install safety and anti-theft devices on your car.

  • Comparison shop and get quotes from multiple insurers.

Find Cheap Car Insurance in Spokane

Liability rates start at $42 per month

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Cheapest liability-only car insurance in Spokane: State Farm

If you have a liability-only policy, it’s important to remember that it’ll only cover physical damage and injuries suffered by the other parties involved in an accident you caused. It won’t provide coverage for any expenses related to repairing your own vehicle or any medical bills that you may have incurred due to the accident.

Not surprisingly, liability-only coverage is usually the most affordable. The average monthly cost in Spokane is $74. But you should carefully review whether this coverage meets your needs before purchasing it. 

If you have a new vehicle or a vehicle you can’t afford to replace if you total it, liability-only coverage may not provide enough coverage for you. And if you only carry the minimum required amount, your liability insurance may not cover all the damages you’re responsible for in an at-fault accident. In that scenario, you could be on the hook to pay the difference out of your own pocket.

Here’s a list of liability-only rates in Spokane from the top insurers.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
State Farm$42
USAA$43
Direct Auto$44
GEICO$53
Allstate$57
Safeco$58
National General$62
American Family$64
Nationwide$66
Chubb$72
The General$72
Farmers$75
Travelers$88
Foremost$93
Dairyland$96
Bristol West$105
Liberty Mutual$116
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Spokane: Direct Auto

If you’re leasing or financing your car, your lender may require full coverage. While liability-only insurance will cover the other driver, their passengers, and their vehicle, full-coverage insurance can protect you, your passengers, and your own car. Full-coverage car insurance includes collision and comprehensive coverage.

In Spokane, a full-coverage policy costs $125 per month, on average. Here’s a collection of full-coverage quotes from different insurance companies in Spokane.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Direct Auto$59
Safeco$90
National General$91
State Farm$93
USAA$94
Midvale Home & Auto$110
GEICO$113
Allstate$123
Liberty Mutual$125
The General$127
American Family$139
Nationwide$144
Chubb$155
Farmers$163
Travelers$190
Dairyland$213
Bristol West$226
Foremost$255
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Spokane, Washington

Recent Spokane, Washington car insurance prices for Dodge, Ford, KIA , and more.

*Quotes generated for Insurify users in and around Spokane, Washington within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Spokane, Washington within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Washington

In order to drive legally in Washington, you must have coverage that meets the following minimum requirements:[3]

Coverage
Minimum Requirements
Bodily injury liability$25,000 for injury or death of per person / $50,000 for injury or death of two or more people
Property damage liability$10,000

Because liability coverage doesnt cover your vehicle or medical costs, you should consider the following optional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision insurance

    Regardless of who’s at fault, collision coverage pays for damage to your vehicle after an accident or collision with an object, like a pole or traffic light.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive insurance

    In addition to damage to your car from an accident, comprehensive insurance covers damage caused by theft, vandalism, weather events, and accidents involving animals.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing and labor

    Towing and labor coverage helps if your car breaks down or is inoperable because of an accident.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap insurance

    If you total your car, gap coverage may pay the difference between the vehicle’s actual cash value and the balance you owe on the loan or lease.

Cheapest car insurance for drivers with an incident

If you have an incident on your record — like a speeding ticket, at-fault-accident, or DUI — your insurance company might increase your rates. The severity of the rate increase can depend on the incident, and in the sections that follow, you’ll see how different incidents can affect your rates.

On average, Spokane drivers with a past incident pay $99 per month for liability coverage and $167 for full-coverage insurance.

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Not every insurer will increase your rates after a speeding ticket. But if you receive two or more speeding tickets in a three-year period, your insurer will likely raise your monthly insurance price. 

Speed is a common factor in car accidents, so insurers view you as a higher risk if you’ve been cited for speeding. In Spokane, a speeding ticket on your record increases average monthly liability insurance costs to $108. Here‘s a look at average liability insurance costs for Spokane drivers with a past speeding ticket.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm$42$55
USAA$43$57
Direct Auto$44$58
GEICO$53$70
Allstate$57$75
Safeco$58$78
National General$62$83
American Family$64$85
Nationwide$66$88
Chubb$72$97
The General$72$97
Farmers$75$99
Travelers$88$117
Foremost$93$133
Dairyland$96$127
Bristol West$105$139
Liberty Mutual$116$166
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

If you live in Spokane and cause a car accident, your insurance rates will typically increase. But some insurance companies have accident-forgiveness programs that can prevent rate hikes for certain types of accidents or after a specific amount of time with no accidents.

The average cost of liability car insurance in Spokane following an at-fault accident is $113 per month. Here are liability quotes from other top insurers in Spokane for drivers with a past at-fault accident.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Accident
State Farm$42$58
USAA$43$60
Direct Auto$44$62
GEICO$53$74
Allstate$57$79
Safeco$58$79
National General$62$87
American Family$64$89
Nationwide$66$93
Chubb$72$101
The General$72$102
Farmers$75$104
Travelers$88$123
Foremost$93$138
Dairyland$96$133
Bristol West$105$145
Liberty Mutual$116$172
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

Insurers see a DUI as the most serious of incidents, and if you have one on your record, your insurance rates will surely increase. In some cases, your insurance company may cancel your coverage altogether, or another company may deny you new coverage.

Spokane drivers with a DUI conviction pay average monthly rates of $128 for liability-only coverage and $215 for full coverage. The following table provides liability quotes from insurers in Spokane.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With DUI
State Farm$42$71
USAA$43$73
Direct Auto$44$74
GEICO$53$89
Allstate$57$96
Safeco$58$98
National General$62$105
American Family$64$108
Nationwide$66$111
Chubb$72$121
The General$72$121
Farmers$75$127
Travelers$88$148
Foremost$93$157
Dairyland$96$162
Bristol West$105$177
Liberty Mutual$116$196
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

While people generally enjoy lower car insurance rates in middle age and their early senior years, those rates typically increase for drivers 70 and older. This is because statistics show that older drivers are more likely to be involved in accidents compared to middle-aged adults.

Additionally, if a senior driver has an accident, the injuries sustained are often more severe, leading to higher medical bills and increased costs for the insurance company.[4]

Senior drivers in Spokane pay $52 per month for liability coverage and $88 for full-coverage car insurance, on average. Here are the average monthly quotes for senior drivers in Spokane.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
State Farm$30$67
Direct Auto$32$42
USAA$32$69
GEICO$39$83
Allstate$42$91
National General$44$64
Nationwide$45$99
Safeco$45$70
American Family$46$100
Chubb$48$104
Farmers$54$117
The General$54$96
Travelers$64$137
Foremost$68$187
Dairyland$71$157
Bristol West$78$167
Liberty Mutual$90$97
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Teenage drivers experience crashes almost four times more frequently per mile driven when compared to more experienced drivers. Many factors account for this, including reckless driving, distraction by social media while driving, and limited experience in handling road hazards such as icy winter roads or heavy rain and hail during storms. Alcohol consumption also plays a major role in many accidents involving teenagers.[5]

Spokane teens pay an average of $133 per month for liability car insurance and $224 for full coverage.

If you’re a young driver, you have ways to lower your car insurance costs and find affordable coverage through discounts. One way is to stay on your parents’ insurance policy and drive a car that’s considered safe. If you’re leaving for college, consider leaving your car at home. Another way to qualify for discounts and have affordable auto insurance rates is by earning good grades. Some insurance companies also offer discounts for safe driving habits and having a clean driving record.

Compare quotes for teen drivers in Spokane below.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
State Farm$73$161
USAA$73$159
Direct Auto$81$109
GEICO$85$182
Allstate$102$220
American Family$113$245
Nationwide$116$252
Safeco$117$182
The General$117$206
National General$124$182
Farmers$133$290
Chubb$137$296
Dairyland$160$355
Travelers$161$347
Foremost$168$460
Bristol West$180$388
Liberty Mutual$208$224
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Spokane car insurance quotes by credit tier

Most states, including Washington, allow insurance companies to consider your credit-based insurance score when setting your car insurance rates. This is because insurers have found that people with lower credit history are more likely to make insurance claims. As a result, drivers with excellent or good credit history typically pay significantly less than drivers with poor credit history.

Here, you can see how your credit tier affects your rates in Spokane.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance in Spokane

Liability quotes start at $42 per month

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Based on 3,806+ reviews
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Is car insurance more expensive in Spokane?

The average rates for car insurance in Spokane are $74 for liability-only coverage and $125 for full coverage. This falls below the monthly state averages of $76 for liability-only coverage and $161 for full coverage. Rates in Washington are also below the national average of $104 for liability coverage and $211 for full coverage.

Spokane County has a low population density of 305 people per square mile, which may partially explain why drivers benefit from lower rates.

More cities in Washington

Car insurance in Spokane isn’t just cheaper than the state and national averages — it’s lower than many other large cities in Washington, too. As you can see in the table below, Spokane’s average rates of $74 per month for liability insurance and $125 for full coverage falls below that of other large Washington cities.

Compare quotes for different Washington cities below.

City
Liability Only
Full Coverage
Federal Way$121$270
Kennewick$65$141
Seattle$103$241
Tacoma$100$217
Vancouver$75$177
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Spokane car insurance FAQs

If you still have questions surrounding car insurance in Spokane, the answers presented below can help.

  • How much is car insurance in Spokane?

    The average monthly rates for car insurance in Spokane are $74 for liability-only coverage and $125 for full coverage. This is lower than the state average and the national average. Spokane’s average rates are also cheaper than several other large cities in Washington.

    Ultimately, the amount you pay for your auto coverage will depend on your driving record, age, insurer, and more.

  • What companies have the cheapest car insurance in Spokane?

    State Farm offers the cheapest liability insurance in Spokane, at $42 per month. USAA and Direct Auto also have affordable liability coverage, with rates of $43 and $44 per month. The best way to find cheap car insurance is to compare quotes from multiple insurance companies at once.

  • What are the best car insurance companies in Spokane?

    State Farm is one of the best insurance companies in Spokane, thanks to an Insurify Quality (IQ) Score of 9.3 out of 5, an AM Best financial strength rating of A++ (Superior), and low rates. The average cost of coverage from State Farm in Washington state is $53 per month for liability coverage and $118 for full coverage. GEICO and USAA also rank as some of the top insurers in Spokane.

  • What type of car insurance is required in Washington?

    If you drive in Washington, you must carry bodily injury liability amounting to $25,000 for the injury or death of one person and $50,000 for the injury or death of two or more people. You also need to carry $10,000 in property damage liability.

  • How much is car insurance in Washington?

    The state averages for car insurance in Washington are $76 for liability-only coverage and $161 for full coverage. This is below the national average of $104 for liability-only coverage and $211 per month for full coverage.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. United States Census Bureau. "QuickFacts Spokane County, Washington."
  2. Washington State Office of the Insurance Commissioner. "Facts about the credit scoring ban rule."
  3. Office of the Insurance Commissioner Washington State. "Washington state's mandatory auto/motorcycle insurance law."
  4. IIHS. "Older Drivers."
  5. IIHS. "Teenagers."
Bob Phillips
Bob Phillips


Having spent more than 15 years helping people plan their lives financially, Bob
mastered many different financial products to help people achieve their financial
goals, including life insurance, disability insurance, mutual funds, and stocks and
bonds. He earned the Chartered Life Underwriter (CLU) designation and held
numerous securities licenses. Bob is an internationally published poet and is now
a freelance writer living in North Texas with his wife and Doberman puppy.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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