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Ross Martin

Manager, Content Quality

  • Licensed Insurance Agent (former) — Property and Casualty

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers…

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Kristine Lee

Manager, Content and Data

  • Licensed Insurance Agent — Property and Casualty

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much does car insurance cost in Spokane?

The average cost of car insurance in Spokane, Washington, is $660 per six-months. That's less than the average across Washington ($684) and less expensive than the national average of $880. Our guide to Spokane car insurance includes average rates based on age, credit score, and other factors in Spokane. Read on to learn more!


Car insurance in Spokane vs. Washington Average 6 Mo. Premium
Spokane average $660
Washington average $684

The Zebra's key takeaways about car insurance in Spokane:

  • The average cost of a car insurance policy in Spokane is $660 per six-month policy — $110 per month.
  • The cheapest company in Spokane is PEMCO Insurance ($429).
  • 36% of Zebra customers in Spokane stated they used our product because they were paying too much for car insurance with their current provider.

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Spokane car insurance rates by company

The difference in auto insurance rates from company to company can be substantial. For a typical driver, PEMCO Insurance offers Spokane's cheapest rates. See below the best options for affordable auto insurance in Spokane. Don't forget to obtain insurance quotes based on your specific driving profile.

Cheapest car insurance companies in Spokane, WA
Company Avg. 6 Mo. Premium
PEMCO Insurance $429
USAA $458
State Farm $584
Progressive $648
Allstate $811

Auto insurance data methodology

The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.

In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.

Shop around for the best rates

The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Spokane.

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Spokane auto insurance rates by age

Our data tells us that drivers between the ages of 20-29 make up 30% of Spokane drivers. Spokane drivers in their 50s pay relatively affordable car insurance rates just $579 each six-months on average. Those in their 60s don't pay much more ($601).

The Spokane drivers who pay the highest insurance rates are teenage drivers . When Spokane drivers hit their 20s, their insurance rates drop substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Spokane is $4,005. That's the biggest gap in premiums between any pair of age brackets.

Spokane auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teenagers $2,889
20s $887
30s $645
40s $609
50s $579
60s $601
70s $766

Spokane car insurance rates by credit score

An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Spokane drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 60% decrease in car insurance rates. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Spokane, improving your credit to "Fair" corresponds with a $521 decrease in six-month car insurance rates. Our data tells us 37% of drivers in Spokane have a credit score of good (680-719). 

credit score
Spokane auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,328
Fair $807
Good $660
Very Good $593
Exceptional $526

Spokane car insurance rates by violation

If you want to keep your car insurance costs reasonable, keep your driving record clean. At-fault accidents, DUIs and DWIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Spokane, a reckless driving citation results in an average insurance rate increase of $552 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $588 increase, and a speeding ticket triggers a $289 rate hike.

Spokane auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DUI/DWI $953
Reckless Driving $936
At-fault Accident (damages less than $1,000) $897
At-fault Accident (damages greater than $2,000) $973
Speeding Ticket (16-20 mph over speed limit) $804

Compare over 100 insurance companies at once!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.