Best Auto Insurance Rates in Spokane, Washington

Compare Auto Insurance in Spokane

Monday, June 4 2018 By Larry Canonica

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

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.

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 find the cheapest rates.

Best Car Insurance Companies in Spokane

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

Top 10 Vehicles in Spokane

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

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.

Weather

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 make your car insurance 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.

Red Light Cameras

Spokane has equipped 10 intersections with 15 red light cameras as part of its Intersection Safety Program. This document contains information about how Spokane’s red light cameras works.

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.

Traffic Fatalities

Spokane experienced 16 fatal motor vehicle crashes in 2016. With Spokane’s estimated population of 215,973. 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 513 vehicle thefts in 2016. This is a rate of 2.4 thefts per 1,000 residents. This is very close to the national average of 2.20 per 1,000 people.

Legal Minimum Insurance Requirements

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.

Save With Car Insurance Discounts

Are you looking for cheap 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 15%
2. Maintain at least a B grade point average in school to qualify for the good student discount
3. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
4. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
5. 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
6. Keep your driving record clean. Too many tickets and especially at-fault accidents will increase your rates significantly
7. 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
8. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
9. Married or getting married soon? Some insurers offer drivers a marriage discount
10. Shop around and compare cheap auto insurance quotes in Spokane and discover every discount you qualify for

Sources:

• Municipal Court Tickets - City of Spokane, Washington
• Spokane, Washington Crime Rates
• United States Census Bureau - Spokane, WA
• National Highway Traffic Safety Administration
• TRIP Urban Roads Report Appendix B
• TRIP Urban Roads Report Appendix D

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