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Ross Martin

Manager, Content Quality

  • Licensed Insurance Agent — 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 auto insurance cost in Spokane?


The average cost of car insurance in Spokane, Washington, is $1,320 per year. That's less than the average across Washington ($1,368) and less expensive than the national average of $1,548. Our guide to Spokane car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!

Spokane Average (per year) Washington Average National Average
$1,320 $1,368 $1,548


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Spokane car insurance premiums by insurer


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.

Insurer Average Annual Rate
PEMCO Insurance $859
USAA $916
State Farm $1,168
Progressive $1,296
Allstate $1,623

Read our guide to finding the best cheap auto insurance.


Spokane auto insurance rates by age

Spokane drivers in their 50s pay relatively affordable car insurance rates just $1,158 each year, on average. Those in their 60s don't pay much more ($1,203).

The Spokane drivers who pay the highest insurance rates are teenagers. 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.

Age group Average Yearly Rate
Teenagers $5,779
20s $1,774
30s $1,290
40s $1,218
50s $1,158
60s $1,203
70s $1,533

Learn more about the impact of age on car insurance premiums.


Spokane auto insurance costs by marital status and gender


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Spokane pay $64 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Spokane, single drivers pay more than those who are widowed.

Another component of auto insurance pricing is gender. In Spokane, female drivers pay $29 per year more than do male drivers.

Marital Status/Gender Average Annual Rate
Female $1,349
Male $1,320
Single $1,256
Married $1,256
Divorced $1,320
Widowed $1,296

Learn more about how gender and marital status have on insurance rates.


Spokane car insurance costs by incident history


If you want to keep your car insurance costs reasonable, keep your driving record clean. At-fault accidents, DUIs, 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.

Violation Average Yearly Rate
DUI/DWI $1,907
Reckless Driving $1,872
At-fault Accident (damages less than $1,000) $1,794
At-fault Accident (damages greater than $2,000) $1,947
Speeding Ticket (16-20 mph over speed limit) $1,608

Get more info on how a bad driving history can impact your car insurance costs.


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 $1,042 decrease in annual car insurance rates.

Credit Score Average Annual Rate
Very Poor $2,657
Fair $1,615
Good $1,320
Very Good $1,186
Exceptional $1,052

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.


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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 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.