Explore how to save on auto insurance 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 |
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 get car insurance quotes based on your 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 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.
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.
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.
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 |
