Spokane Car Insurance

If you live in Spokane, you need affordable, quality car insurance to protect you when you are out on the road.

Written by Meg Stefanac
Written by Meg Stefanac

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to TrustedChoice.com.


Over 40,000 vehicles per day travel along Interstate 90 north to the US 2-US 395 junction. Traffic congestion is a problem in Spokane just as in other major cities.

Spokane drivers may also encounter snowy, wet or icy roads in winter, adding to the challenge. If you live in Spokane, you need affordable, quality car insurance to protect you when you are out on the road.

Trusted Choice® Independent Insurance Agents are available to help Spokane residents tackle their unique risks.

Our local agents will work hard to find you a Spokane auto insurance policy that meets your needs while staying within your budget.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

Cost of Spokane Car Insurance

Did you know? The average cost of Fargo car insurance is $142 per month.

Your insurance rates are based on your unique characteristics, like where you live, what you drive and how far you drive each day. But no one should overpay.

If you think your rates are higher than they should be, consider getting quotes from multiple insurance companies.

With the help of a Trusted Choice Independent Insurance Agent, you can get quotes and find a policy that protects what matters most, at a price you can afford.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

What does Spokane car insurance actually do for me? 

The roads in Spokane can become wet, snowy and dangerous.Car insurance can help you pay for car repairs and injuries if you cause an accident. It can also help you pay for your own car if it is damaged or totaled.

Just know that if you are involved in a serious accident, you need enough coverage to help you recover financially, and the minimum coverage required by your state may not be enough.

Spokane Car Insurance Requirements

  • Bodily Injury Liability: $25,000 per person, $50,000 per accident required
  • Property Damage Liability: $10,000 required
  • Personal Injury Protection (PIP): Not required

Who pays if the accident wasn’t my fault?

The driver who caused the accident, of course. Approximately 17.4% of Spokane drivers are uninsured. Without insurance coverage, they probably can’t pay if they are at fault for an accident.

That is why Spokane drivers need “uninsured motorist coverage.” If an uninsured driver hits you, uninsured motorist coverage pays to fix your vehicle and helps with your medical bills.

Although some states require all drivers to have a minimum amount of uninsured motorist coverage, Washington does not require you to have this type coverage with your policy.

What affects The Cost of Spokane Car Insurance?

Your monthly Spokane car insurance payment is based on several of your personal characteristics that help your insurance company predict how risky you are as a driver. These risk factors include the following: 

  • Your age
  • Your gender
  • Your marital status
  • Your ZIP code
  • Your driving record
  • The kind of car you drive
  • The number of cars and drivers in your household

The type of car you drive plays a huge role in what you pay for car insurance. If a car is more likely to be involved in a crash or costs more than average to repair or replace, it will cost more to insure.

Hybrids and electric cars, for example, are more difficult and costly to repair. If you are thinking of purchasing a hybrid, be prepared for a hike in your insurance rates.

Sports cars also cost more to insure than other types of cars. Sports car drivers have a greater likelihood of speeding and being in a crash. If you want to save money on your Spokane car insurance, a minivan or sedan may be a wiser choice.

Commute Time

The more time you spend on the road, the more likely it is that you'll be in an accident. Car insurance costs more for drivers with long commutes. Commute times in Spokane tend to be shorter than the national average, helping to keep car insurance rates down.

  • National average: 25.4 minutes
  • Spokane average: 18.7 minutes

Number of  Auto Thefts in Spokane

  • National number of thefts for 1,000 vehicles: 2.94 
  • Number of thefts for 1,000 vehicles in Spokane: 8.19 

Car theft can be a problem in Spokane, and car insurance is a necessity to help you recover financially if you are a victim.

Thefts and break-ins can be costly. Most stolen cars have to be replaced. Even if your car is eventually found, it likely will have been stripped for parts and totaled.

After a break-in, your windows and locks will need repairs, and any stolen personal property must be replaced.

A Spokane car insurance policy can help you sleep easy. Your insurance company can help you receive timely assistance and compensation so you can get back on the road with confidence.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Find Affordable Car Insurance in Spokane 

No matter where you live or what kind of car you drive, you can find affordable car insurance in Spokane. Trusted Choice independent agents are not tied down to one insurance company. They can get to know you, assess your risks and find quotes from multiple carriers. You can choose the option that best fits your needs and budget.

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