Our team has selected the top five car insurance options in Spokane: Pemco, USAA, State Farm, Travelers and Geico. These companies provide rates that are lower than average for minimum and full coverage in the city while also providing high-quality coverage plans.

Keep reading: Cheap car insurance

Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving history.

Our data shows that the average cost of minimum-coverage car insurance in Spokane is $43 per month or $523 per year. This is about 17% less than the U.S. average of $52 per month or $627 per year. Similarly, full-coverage insurance costs $127 per month or $1,528 per year on average, which is about 24% less expensive than the national average of $167 per month or $2,008 per year for full coverage.

Cheapest Liability Car Insurance in Spokane

Pemco offers the cheapest liability insurance with average rates of $20 per month or $245 per year. USAA is the second-cheapest option in Spokane with average rates of $23 per month or $281 per year.

Liability coverage is the minimum coverage required by the state of Washington. According to Washington law, all drivers must either meet or exceed the following minimum requirements:

• $25,000 bodily injury liability coverage per person
• $50,000 bodily injury liability coverage per accident
• $10,000 property damage liability per accident

Cheapest Full-Coverage Car Insurance in Spokane

A full-coverage car insurance policy can be pricey in Spokane. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. USAA is the cheapest full-coverage option with average rates of $86 per month or $1,027 per year.

Since car insurance rates are influenced by various factors, the company with the lowest prices for one driver may not be cheapest for someone else. In this part, we’ll examine how auto insurance costs in Spokane vary based on the driver’s age, credit score and driving record. Since Spokane has multiple ZIP codes with different insurance costs, we’ll also explore those.

Some ways to get cheap car insurance in Spokane are by increasing your deductible and by bundling auto coverage with homeowners insurance, renters insurance and life insurance. You could also reduce your rates by dropping unnecessary uninsured motorist coverage and by comparing quotes from various insurance agencies.

Spokane Car Insurance Cost by Age

Car insurance rates for teenagers and young drivers are higher because they have a greater chance of getting into car accidents or breaking traffic rules. Our data shows that 16-year-olds pay about $182 per month or $2,190 per year for car insurance in Spokane.

As drivers reach their 20s, the cost of car insurance services starts to go down and keeps decreasing over time. The table below shows the average minimum-coverage car insurance costs in Spokane for different age groups.

Cheapest Car Insurance in Spokane: Teen Drivers

Car insurance for teens is expensive, but some insurance providers tend to be more affordable than others. Our data shows that Pemco is the cheapest car insurance company for teen drivers with minimum-coverage rates as low as $98 per month or $1,178 per year. Travelers, State Farm and Mutual of Enumclaw also offer affordable premiums for Spokane teens.

Spokane Car Insurance Cost by Credit Score

Car insurance companies in many states, including Washington, can use credit scores to decide how much they charge for premiums. If someone has a low credit score, they’ll have to pay higher car insurance rates, while those with good credit scores will be charged less.

Cheapest Car Insurance in Spokane: Poor Credit

Our rate data shows that Pemco is the cheapest option for car insurance with bad credit in Spokane. The company offers minimum-coverage policies to drivers with poor credit for rates of $20 per month or $245 per year. This is 53% less than the overall state average for minimum coverage for good credit.

Spokane Car Insurance Cost by Driving Record

People who’ve received speeding tickets, been involved in car accidents or have DUIs will likely pay more for car insurance. On average, speeding can increase the cheapest rates by 23%, an at-fault accident by 43%, and a DUI by 38%.

Each company has a different average price increase, but we found that Pemco tends to be the top choice for individuals with driving record violations. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.

Keep reading: Insurance rates for high-risk drivers

Cheapest Car Insurance in Spokane: Speeding Ticket

According to our data, Pemco offers the cheapest auto insurance rates to drivers who have a speeding ticket on their records — $25 per month or $302 per year. USAA follows close behind with an average monthly rate of $27, while State Farm, Travelers and Geico round out the top five options for cheap speeding ticket car insurance in Spokane.

Cheapest Car Insurance in Spokane: At-Fault Accident

If you’re responsible for an accident while driving, your insurance rates could increase even more than if you received a speeding ticket. Pemco and USAA are the cheapest options here with average rates of $28 per month and $33 per month, respectively.

Cheapest Car Insurance in Spokane: DUI

Getting a DUI is a big deal and can lead to a significant increase in your car insurance costs in Spokane. This increase can amount to hundreds of dollars per year. Pemco is very cheap compared to other companies, offering average rates of $35 per month or $421 per year for drivers with a DUI. State Farm, USAA and Travelers are also good options with rates under $51 per month on average.

Spokane Car Insurance Cost by ZIP Code

Insurance costs can differ in various areas of the city due to changing rates of insurance claims. This affects the amount you have to pay for insurance. Below, you’ll see that certain ZIP codes in Spokane can be up to 0.8% cheaper or more expensive than the citywide average.

Since auto coverage in Spokane is 5% lower than Washington car insurance and 17% less than the national average, there are cheap providers to shop from. Pemco offers the cheapest minimum coverage in the city for about $20 per month. Meanwhile, USAA offers highly affordable full-coverage rates to Spokane drivers at $86 per month.

Compare free quotes to find the company that meets your Washington car insurance needs at the best rate. You can compare insurance products and get free quotes online or from insurance agents.

Here are some frequently asked questions about the cheapest auto insurance in Spokane, Wash.:

*Cost data comes from Quadrant Information Services and is accurate at time of publication.