Spokane Car Insurance

The Zebra
May 30, 2018

Car Insurance in Spokane

Spokane has premiums that are relatively consistent with Washington's average, as they are within $47 of one another. Who doesn't like to save money? Check out some ways to save on car insurance in Spokane.

  • City Average: $1,113
  • State Average: $1,160
  • National Average: $1,427

Spokane Car Insurance by Gender and Marital Status

Car insurance premiums in Spokane are affected by driver attributes such as gender and marital status. 1% is the amount by which men's and women's car insurance premiums vary. Rates for those who are widowed are slightly cheaper than rates for those who are single. Being married can save you around 4% per year compared to being single.

  • Female: $1,128
  • Male: $1,113
  • Single: $1,113
  • Married: $1,063
  • Divorced: $1,113
  • Widowed: $1,093

Spokane Car Insurance by Credit Rating

Drivers with Exceptional credit (800-850) pay an average of 55% less each year for car insurance than those with Very Poor credit (300-579). Shifting from Very Good (740-799) to Exceptional (800-850) hands over the largest percent decrease in premiums to drivers, as they save an average of 19% per year.

  • Very Poor: $2,115
  • Fair: $1,723
  • Good: $1,410
  • Very Good: $1,168
  • Exceptional: $948

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Spokane Car Insurance by Age

The greatest decrease in premiums between any age group is from the teenage age range to the 20s, as drivers in Spokane start paying 66% less in premiums. In Spokane, turning 60 means an increase in car insurance premiums. Up until then, transitioning between age groups means decreasing prices. Teenage drivers have the biggest premiums out of all the age groups. They pay around $4,431 per year on car insurance premiums. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest premiums among any age group, with rates of $980/year. However, people in their 60s ($1,007) have premiums that aren't much higher.

  • Teenagers: $4,431
  • 20s: $1,488
  • 30s: $1,092
  • 40s: $1,040
  • 50s: $980
  • 60s: $1,007
  • 70s: $1,264

Spokane Car Insurance by Accident or Violation History

By avoiding driving mishaps that can make the price of premiums spike, you can not only save yourself money, but become a safer driver. In Spokane, drivers with a DUI have rates $544 higher than the city average of $1,113. Reckless driving will also push your premiums up, with average rates of $1,760, which are 58% higher than the city average! $344 is what you can expect to add on to your annual insurance premium in Spokane if you have an at-fault accident on your driving record.

  • DUI: $1,657
  • Reckless Driving: $1,760
  • At-fault Accident (damages less than $1000): $1,457
  • At-fault Accident (damages greater than $2000): $1,457
  • Speeding Ticket (16-20 mph over speed limit): $1,306