Spokane, WA Car Insurance

Residents of Spokane pay, on average, about $67 per month for car insurance. Check out our guide below to find out how much you'll pay.
Compared to their surrounding area, how do rates in Spokane stack up? What about against the rest of Washington? What should residents of Spokane expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Spokane?

Area Average Monthly Car Insurance Premium
Spokane$67
WA$75
United States$80

Based on the chart above, you can see that coverage in Spokane typically costs about $8 a month less than it does in the rest of Washington.

If you're thinking of moving to Spokane from out of state, you may still be in luck. The average monthly payment in Spokane is about $13 less than the rate for the rest of the U.S.

These rates may be the average amount drivers in Spokane pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down the average rates for Spokane residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$117
25-34$59
35-44$57
45-54$52
55-64$51
65+$49

The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may begin to increase again in Spokane.

Average Car Insurance Rates by Gender

Gender Average
Male$66
Female$69

In general, female drivers pay less for car insurance than their male counterparts. While male drivers actually pay a little bit less than female drivers on their monthly insurance rates, the difference in Spokane is only about $3 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$100
Multiple Accidents$115
1 Ticket$103
Multiple Tickets$145

Rates can vary wildly 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 $100 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $103.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$52
2-3 Years$57
4-5 Years$53
6-7 Years$78
8-10 Years$72
11-14 Years$67
15 Years or Older$66

In Spokane, the cheapest vehicles to insure are typically SUVs, trucks, and vans, with drivers paying around $61 per month for auto insurance.

The rate for car owners, however, is about $71 per month.

Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Spokane are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$73
Married$52
Divorced$57
Widowed$60

On average, married policyholders will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Spokane, with married couples paying about $21 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$51
Rent$73
Live with parents$96

Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $22 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 with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Spokane, WA

Recent trends in car insurance for Spokane drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The rates for car insurance in Spokane rose from 2016-2017, where they reached a high of $79, before leveling out in 2018. Rates increased again in 2019, and finished down at $64 in 2021.

How does Spokane compare to neighboring areas?

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

There are many factors car insurance companies take into consideration when choosing how much to charge for coverage. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:

  • Prevalence of crime
  • Amount of drivers in the community
  • Off-street parking availability
  • Laws
  • Number of car accidents

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Spokane?

Arming 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.

Don't worry, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in Spokane.

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Spokane Insurance FAQs

What factors affect car insurance quotes in Spokane?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

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

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

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

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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