Spokane, WA Car Insurance

The average cost for car insurance in Spokane is about $67 a month. To learn more about policy rates and coverage in the Spokane area, continue reading our guide below.
What rates can residents of Spokane expect to pay for their car insurance? How does Spokane compare to the surrounding area and the rest of Washington? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Spokane?

Area Average Monthly Car Insurance Premium
Spokane$67
WA$76
United States$81

The cost of coverage in Spokane is about $9 a month cheaper than it is for the rest of Washington.

Similarly, the expected monthly payments for an auto insurance policy in Spokane are below the national average. The average monthly payment in Spokane is about $14 less than the rate for the rest of the U.S.

While these numbers are the average rates for auto insurance in Spokane, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.

But don't worry, we've broken down the average rate for Spokane residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$118
25-34$59
35-44$58
45-54$52
55-64$53
65+$52

Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $66 more than someone who is retirement aged.

Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates rise again once you hit retirement in Spokane.

Average Car Insurance Rates by Gender

Gender Average
Male$66
Female$68

In general, female drivers pay less for car insurance than their male counterparts. While this isn't true in Spokane, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$97
Multiple Accidents$113
1 Ticket$82
Multiple Tickets$110

Rates can change drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Spokane, a driving record with a single accident will usually get you a rate around $97 a month. Similarly, drivers with one ticket will typically pay around $82 on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$60
2-3 Years$62
4-5 Years$57
6-7 Years$77
8-10 Years$70
11-14 Years$67
15 Years or Older$66

In terms of affordable coverage, the cheapest vehicles to insure in Spokane are usually SUVs, at $61 per month.

Truck and van drivers will see rates of about $62 to insure their car, while car owners typically pay around $71 a month.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Spokane, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$72
Married$53
Divorced$56
Widowed$60

Overall, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

The cost of auto insurance in Spokane reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $19 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$52
Rent$71
Live with parents$95

Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $19 a month more than those who own their own home in Spokane. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Spokane, WA

Recent trends in car insurance for Spokane drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.

The rates for car insurance in Spokane have been mixed as of late, they fell in 2017, increased in 2019, and decreased again in 2021, before finishing at $63 in 2022.

How does Spokane compare to neighboring areas?

Why are car insurance rates in Spokane different from other areas?

Car insurance companies will take into account a lot of factors when they're deciding how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:

  • Crime
  • Off-street parking availability
  • Total drivers
  • Road Safety (frequency of local car accidents)
  • Community regulations

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Spokane?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But hold on! Compare.com can handle all of this for you. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies offering coverage in Spokane.

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Spokane Insurance FAQs

What factors affect car insurance quotes in Spokane?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Spokane different from other neighboring cities?

Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Spokane?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Spokane?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Spokane or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes