Car Insurance in Spokane, WA


Providing a fast and stress-free experience when looking for auto insurance in Spokane.





Auto Insurance in Spokane and What You Need to Know



It is important you consult lots of companies when shopping around for estimates on auto insurance in Spokane. This would inadvertnely hook you up with the most affordable deals and help you get real value for your money. Factors like age, driving, and location history can hugely influence the price your friends and acquaintances cover for auto insurance in Spokane. We have profiled a list of auto insurance rates in the city to help lessen some of your legwork on shopping for auto insurance in Spokane. The list highlights the cheapest alternatives for many kinds of drivers, as well as the crucial factors that can affect car insurance fee in the city.

Percentage decrease in Spokane car insurance costs compared to national average

1975 %

Percentage decrease in Spokane car costs compared to average in Washington

128 %

Percentage increase in Spokane car insurance costs compared to most expensive in Washington

2302 %

Full Coverage Car Insurance

Protect yourself, your passengers and others. Driving with full coverage in Spokane is bliss. It gives you peace of mind and protects you from potential mishaps.

Liability Car Insurance

Meet the insurance requirements for driving in Spokane with a minimum liability auto insurance coverage plan. It's better to be protected on the basis of these requirements than not be protected at all.

High Risk Car Insurance

It can be a tall order and a tough ask for anyone to search out the best high risk car insurance in Spokane. We can help you get the best car insurance rates in Spokane, as well as a high risk coverage plan.

Home and Auto Insurance

You can bundle your next home and auto insurance coverage in Spokane into one, ulitmately helping you deal with less companies and save more. Find out if a home and auto insurance bundle is right for you.


Your Driving Record Matters When Getting Auto Insurance in Spokane

We've all been on this side of the story before. Take, for example, you're seeking for the best quotes for car insurance in Spokane and on the verge of getting the best deal on an insurance plan. You get an affordable plan with all the choice perks you wanted, only for the insurance carrier to rescind on the original agreement and tell you that the total cost of the insurance plan is way higher than was originally quoted. What changed? Insurance points is a probable cause. Location has a huge influence on the amount of points added to a driver's record for a crime. If your driving record from the state's department of motor vehicles comes showing tickets or accidents which you didn't originally report in your insurance plan, your car insurance rates in Spokane might come out significantly higher than the pricing initally quoted by theinsurance provider.


best home and auto insurance Spokane WA

Your Type of Car Plays a Role on Car Insurance Costs in Spokane

For certain kinds of vehicles, you will find an assortment of factors that decide how much you will pay for auto insurance in Spokane. The more the horsepower of your vehicle, the more the potential to run at top speed and to fall victim of an autocrash. Since cars with more power are involved in more accidents, they are more costly to cover. However, a big SUV can still attract a huge auto insurance in SUV. A major reason is its capability to damage other vehicles more in case of a car collision. If you are sourcing for the most inexpensive car insurance, cars in the midsize group, like sedans, midsize SUVs, or minivans are a good way to start. The worth of the vehicle also significantly influences the cost to cover it. For many auto insurance companies, the automobile's price is the primary factor to consider when setting the purchase price. We recommend you go for lower-priced vehicles if you are particular about making some savings.

Vehicle TypeAnnual Average Cost of Car Insurance
Car1,280.69
Luxury1,181.43
SUV1,090.64
Van1,003.49
Truck980.49



best home and auto insurance Spokane WA

Cost of Car Insurance in Spokane by Gender and Marital Status

In many states, gender no longer counts in calculating auto insurance rates. On the other hand, marital status influences your rates on auto insurance in Spokane. In general, married couples attract a lower auto insurance rate than single individuals. This is because it is assumed that never-married individuals are more at risk of driving accidents than married men and women. Young singles aren't the only ones who attract high auto insurance rates in Spokane. Elderly widows and divorced folks also do. You may also be given a discounted insurance rate for having a domestic partner. This however an uncommon scenario. According to many stats, married couples are not as inclined to get into automobile accidents. There are a variety of theories about why this could be the situation; some sources state that married motorists often drive less than their single counterparts. Other resources hypothesize that married motorists have significantly more stable and less risky lifestyles compared to singles. Either way, if you just got married or are married, then you could qualify for a discounted car insurance rates in Spokane.

Where You Live in Spokane Affects Car Insurance Costs

Annual savings for car insurance in smaller towns near Spokane

14 %

Annual savings for car insurance in medium sized cities near Spokane

11 %


The five-digit amount that informs the post office where you reside can save or cost you thousands of dollars annually on car insurance in Spokane. The discrepancies in automobile insurance policy prices by zip code is more related to the offense committed than the manufacturers and models of automobiles. Cities with high injuries and theft claims generally see higher insurance premiums. A major reason is because firms lump specific zip codes collectively into risk classes. Most often than not, city drivers pay more than the ones that reside in the nation. Putting things in perspective, more cars equal more mishaps. Another factor considered when companies are pricing your auto insurance in Spokane would be the status of the streets on your zip code. Zipcodes with less developed roads may even see higher auto insurance prices.

Average Costs of Auto Insurance in Spokane by Types of Coverage


Type of Auto Insurance CoverageAverage Annual Rate
Without Comprehensive or Collision893.39
Auto Insurance with Comprehensive Only1,054.19
Auto Insurance with Comprehensive and Collision1,554.48


Your Credit Affects Your Car Insurance Costs

Credit rating is another factor asides driving history and automobile type thta can affect the price you pay for auto insurance in Spokane. Many businesses consult credit-based insurance coverage when deciding on the price of your car insurance rates. Studies show that this score can be used by insurance companies to predict, almost accurately, the likelihood for someone to get into an accident. Today, 92 percent of car insurance companies in Spokane now consider your credit score when calculating how much you will pay for auto insurance. A credit-based car insurance coverage makes it possible for insurers to estimate the fairest, most suitable rate for every client. So, we can conclusively say that credit ratings affect your prices on auto insurance in Spokane. Even though your credit history plays significantly when it comes to pricing your auto insurance, it is still most important to concentrate on the items you can control, like paying your bills on time and keeping an eye on how you apply for credit.

Average car insurance rate changes in Spokane based off credit scores.

70 %

Max car insurance rate changes in Spokane based off credit scores

143 %


92 percent of the car insurance companies in Spokane now think about your credit rating when calculating how much you will pay for auto insurance.



Spokane Car Insurance Rates by Age

The rates for auto insurance in Spokane varies widely with the age category. This is because some age groups are a greater liability to cover than others. A primary reason is the greater likelihood of injuries and costly claims. The younger the driver, the greater the tendency for traffic incidents and reckless behaviour on the steering wheel. This is in stark contrast with older drivers. These young drivers are the most costly to insure, typically, as an outcome. Auto insurance prices in Spokane steep down with increasing ages, because it is assumed that middle aged men and much older folks are more experienced drivers, hence, less prone to injuries as opposed to teens. This is the trend until till motorists of age seventy and above. At this stage, auto insurance prices begin to grow again. Although, age is one of the most significant variables affecting the cost of car insurance in Spokane, the effect of age on auto insurance rates could vary widely, from state to state. Typically, the youngest drivers attract the larger sums for auto insurance in Spokane.

best home and auto insurance Spokane WA


Getting the Best Auto Insurance Rates in Spokane


Shopping for and buying auto insurance in Spokane may be sometimes challenging. However, it's one thing you must do to protect yourself from financial losses associated with traffic collisions, automobile theft, natural disasters, among others. Ordinarily, none of us should invest more than necessary in getting auto insurance in Spokane. However, getting a budget-friendly auto insurance price is not exactly an easy thing. The only way to ensure you're getting the most affordable rate is consulting lots of insurace firms. Insurers typically line up discounts to lower insurance prices for clients who meet particular requirements. They also do this for clients who want a package that includes auto and home insurances. Before going by one vendor, ensure you consult a handful of them and draw comparisons to help you make an informed decision on what kind of auto insurance in Spokane is the best deal for you. Do you need help with that? I am happy to help.