The best cheap car insurance companies in Spokane WA.
Our team picked the top five car insurance options in Spokane: Pemco, USAA, State Farm, Travelers and Geico. These companies provide rates that are lower than the city average for minimum and full coverage while providing high quality coverage plans.
Keep reading: Cheap car insurance
Unless otherwise stated, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving record.
How much does car insurance cost in Spokane, WA?
Our data shows that the average cost of car insurance with minimum coverage in Spokane is $43 per month or $523 per year. That’s about 17% less than the US average $52 per month or $627 per year. Similarly, full coverage insurance expenses $127 per month or $1,528 per year average, which is about 24% cheaper than the national average $167 per month or $2008 per year for full coverage.
Cheapest car insurance Liability in Spokane
Pemco offers the cheapest liability insurance with average rates of $20 per month or $245 per year. USAA is the second cheapest option in Spokane with average fares of $23 per month or $281 per year.
Liability coverage is the minimum coverage required by Washington State. According to Washington law, all drivers must either meet or exceed the following minimum requirements:
$25,000 personal injury liability coverage per person
$50,000 personal injury liability coverage per accident
Liability for property damage of $10,000 per accident
The cheapest full coverage car insurance in Spokane
A full coverage auto insurance policy can be expensive in Spokane. Full coverage includes liability plus full coverage and collision coverage, which protect against damage to your vehicle in various situations. USAA is the cheapest option for full coverage with average rates of $86 per month or $1,027 per year.
Spokane auto insurance quotes by driver profile
Because car insurance rates are affected by a variety of factors, the company with the lowest rates for one driver may not be the cheapest for someone else. In this installment, we’ll look at how Spokane car insurance costs vary based on a driver’s age, credit score, and driving record. Since Spokane has multiple zip codes with different insurance costs, we’ll explore those as well.
Some ways to get cheap car insurance in Spokane are by increasing your deductible and by bundling auto coverage with homeowners insurance, renters insurance and life insurance. You can also lower your rates by eliminating unnecessary uninsured motorist coverage and by comparing quotes from different insurance agencies.
Spokane auto insurance costs by age
Car insurance rates for teenagers and young drivers are higher because they have a higher chance of getting into car accidents or violating traffic rules. Our data shows this 16 year olds I pay approx $182 per month or $2,190 per year for car insurance in Spokane.
When drivers turn 20 years old, the cost of car insurance services starts to decrease and continues to decrease over time. The table below shows the average cost of car insurance with minimum coverage in Spokane for different age groups.
Cheapest car insurance in Spokane: Teenagers
Car insurance for teenagers is expensive, but some insurance providers tend to be more affordable than others. Our data shows that Pemco is the cheapest car insurance company for teenage drivers with coverage minimums of up to $98 per month or $1178 per year. Travelers, State Farm and Mutual of Enumclaw also offer affordable premiums for Spokane teens.
Spokane auto insurance costs by credit score
Auto insurance companies in many states, including Washington, may use credit scores to decide how much they charge for premiums. If someone has a poor credit score, they will have to pay higher car insurance rates, while those with a good credit score will be charged less.
Cheapest car insurance in Spokane: Bad credit
Our pricing data shows that Pemco is the cheapest option for bad credit car insurance in Spokane. The company offers minimum coverage policies to drivers with bad credit for rates of $20 per month or $245 per year. This is 53% less than the overall national average for minimum coverage for good credit.
Spokane auto insurance costs by driver’s license
People who have received speeding tickets, been involved in car accidents or had a DUI are likely to pay more for car insurance. On average, speeding can increase the cheapest rates by 23%, an at-fault accident by 43%, and a DUI by 38%.
Each company has a different average price increase, but we’ve found that Pemco is generally the best choice for individuals with driving violations. The table below shows the average rates by company for drivers who have either a speeding ticket, an accident or a DUI on their record.
Keep reading: Insurance rates for high risk drivers
Cheapest car insurance in Spokane: Speeding ticket
According to our data, Pemco offers the cheapest auto insurance rates to drivers who have a speeding ticket on their record — $25 per month or $302 per year. USAA follows closely behind with an average monthly rate of $27, while State Farm, Travelers and Geico round out the top five low-cost options speeding ticket car insurance in Spokane.
Cheapest car insurance in Spokane: at fault accident
If you are at fault for an accident while driving, your insurance rates can increase even more than if you received a speeding ticket. Pemco and USAA are the cheapest options here with average prices from $28 per month and $33 per monthrespectively.
Cheapest car insurance in Spokane: DUI
Getting a DUI is a big deal and can cause your Spokane auto insurance costs to increase significantly. This increase can reach hundreds of dollars per year. Pemco is very cheap compared to other companies, offering average prices from $35 per month or $421 per year for DUI drivers. State Farm, USAA, and Travelers are also good options, averaging under $51 per month.
Spokane auto insurance costs by zip code
Insurance costs can vary in different areas of the city due to changing insurance claims rates. This affects the amount you have to pay for insurance. Below you’ll see that certain zip codes in Spokane can be up to 0.8% cheaper or more expensive than the citywide average.
Cheap Car Insurance in Spokane, WA: The Bottom Line
With Spokane auto coverage 5% less than Washington auto insurance and 17% less than the national average, there are cheap providers to shop around. Pemco offers the cheapest minimum coverage in town for about $20 a month. Meanwhile, USAA is offering extremely affordable full coverage rates to Spokane drivers at $86 per month.
Compare free quotes to find the company that meets your Washington auto insurance needs at the best price. You can compare insurance products and get free quotes online or from insurance agents.
Cheapest Car Insurance in Spokane, WA: FAQ
Here are some frequently asked questions about the cheapest car insurance in Spokane, WA:
*Cost data comes from Quadrant Information Services and is accurate at time of publication.