Best Auto Insurance Rates in Spokane, Washington

On average, your neighbors pay $73 a month.

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Spokane, Washington is the home of Hoopfest, one of the largest basketball tournaments in the world. Spokane residents love their basketball, especially the Zags, who have one of the best college basketball programs in the country. So, be sure to compare car insurance quotes because you may be paying top dollar for an air ball when what you need is a swish.

Average Spokane Car Insurance Rates

How much is car insurance in Spokane, WA? The reason rates are through the roof in Spokane is very simple - the city has one of the highest vehicle theft rates in the nation and has made the top 10 list of cities with the worst vehicle theft rates. Spokane insurance rates are much higher than the state average. The average cost of auto insurance in Washington is $884.24 per year. The national average cost is $889.01.

The price you pay will vary depending on multiple factors including your driving record and the number of claims filed in your zip code

Washington Average Annual Car Insurance Rates
Coverage Rates
Liability $596.670
Collision $265.74
Comprehensive $106.38
Total Cost Per Year $884.24
Price Per Month $73.68
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Washington's average auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Washington's car insurance rates increased from $806 in 2011 to $884 in 2015, a jump of $78, or 9.70 percent.

Washington average car insurance rates

QuoteWizard helps consumers compare quotes from national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Spokane, Washington and save up to 40% on your premium.

Last year, 7,573 people used QuoteWizard to compare car insurance quotes in Spokane, WA from multiple companies to get the cheapest rates.

Best Car Insurance Companies in Spokane, WA

This is our list of the most popular car insurance companies reported by QuoteWizard users living in Spokane, Washington last year when they requested a quote.

Top 10 Vehicles

These are the most common car makes and models owned by Spokane, WA drivers that used QuoteWizard last year to lower their rates.

  1. Ford F150
  2. Ford Explorer
  3. Chevrolet Blazer
  4. Honda Accord EX
  5. Ford Taurus SE
  6. Dodge Durango
  7. Ford Ranger
  8. Chevrolet Cavalier
  9. Dodge Dakota
  10. Dodge Ram 1500

Minimum Car Insurance Requirements in Spokane, WA

Spokane, Washington has a minimum coverage requirement known as the 25/50/10 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your insurance carrier will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The maximum your insurer will pay for property damage caused by a car accident.

Spokane Drivers

According to a recent report on safe driving published by Allstate Insurance, Spokane ranks 66th out of 200 US cities in terms of driver safety. While most drivers in the US go ten years without being involved in an accident, drivers here are involved in crashes every 9.3 years, 7.5 percent higher than the national average.

Driving Conditions

Factors that can affect your insurance rates are weather and road conditions.


Spokane is located in the Eastern part of Washington State and is much drier than cities west of it and on the other side of the Cascade Mountains. Spokane is also far enough from the Pacific Ocean to experience extremes of weather. Summers here are very hot and the winters are bitterly cold with an average of 34.4 snowy days each year.

Road Conditions

The condition of Spokane roads is a big problem for residents. According to TRIP, 37% of the major roads in Spokane are in poor condition and another 24% are mediocre. The poor condition of the streets costs local drivers an additional $578 a year due to higher vehicle operating costs, car accidents, and traffic congestion.

Traffic Congestion

For the most part, Spokane congestion is not as big a problem as seen in many cities. A big exception is I-90 east of downtown, which is congested for as many as five hours each day.

Moving Violations

Moving violations such as speeding tickets, at-fault accidents, and drunk driving will give you a bad driving record and raise your rates. In the worst scenario, your insurer could even make you purchase a non-standard auto insurance policy. These policies are commonly known as "high-risk" and the premiums are very expensive.

Traffic Tickets

The City of Spokane Municipal Court website allows residents to pay traffic tickets, tells drivers how to contest tickets and set hearing dates, and provides other helpful traffic court information.

SR-22 DUI Insurance

A DUI conviction could require you to obtain an SR-22 form. Get a quote and we'll connect you with local agents from top companies that specialize in Spokane DUI insurance.

DWI Crashes and Injuries

Spokane reported 308 crashes involving alcohol or drugs in 2018. These accidents caused 50 injuries and two fatalities.

Car Accident Statistics

Spokane officials reported 3,268 car crashes in 2018. These crashes resulted in 333 injuries, 73 of them serious.

Traffic Fatalities

Spokane experienced nine motor vehicle crash fatalities in 2018. With Spokane’s estimated population of 217,108. By US standards, this is a relatively safe city in terms of traffic fatalities.

Vehicle Theft Rates

Spokane has one of the highest vehicle theft rates in the nation. Spokane reported 1,737 vehicle thefts in 2017. This is a rate of 8.00 thefts per 1,000 residents. This is very more than triple the national average of 2.37 per 1,000 people.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your insurance rates. These are some of the many auto insurance discounts available to drivers in Spokane, WA. Get a quote and find out which discounts you may qualify for with your current or multiple insurance companies.

  1. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies with a single insurer can save you as much as 20%
  2. Maintain at least a B grade point average in school to qualify for the good student discount
  3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  4. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  5. Live in a safe zip code with lower crime rates. People that live in zip code where lots of insurance claims are filed pay higher rates
  6. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount

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