Updated December 14, 2025

4 Best Tips For Buying Cheap Car Insurance in Spokane, WA

Washington cheapest insurance

4 Best Tips For Buying Cheap Car Insurance in Spokane, WA

Jerry has helped customers find affordable coverage in Washington since 2019. In Spokane, here are some key numbers from the past six months:

  • Jerry has helped 357 drivers to compare 8 insurance providers.

  • Majority of quotes range from $96 to $243 per month.

  • On average, Jerry users who switched to a lower quote saved $37 to $154 per month.

If you want to see what you could save, Jerry can help you check your options in minutes.

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How Jerry finds car insurance savings for Spokane drivers

If you’ve noticed your car insurance premium going up, you’re not the only one. Jerry helps Spokane drivers find more affordable coverage by comparing up to 8 insurers in just minutes. Here’s a look at real quotes Jerry customers in Spokane found when they shopped around.

Recent quotes

Last Updated Dec. 15, 2025

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.


Learn more: Best car insurance in Washington


If you’re looking to get the best deal on your car insurance, below are four top tips that Jerry’s agents have found.

Jerry Agent Tip 1: Compare quotes to find the cheapest insurer

Comparing quotes from multiple companies helps you avoid paying more than you need for car insurance. Different insurers value driver profiles differently, which can lead to very different prices. Here you can see how Jerry customers have received different quotes for the same coverage:

Recent customer quotes

Last Updated Dec. 15, 2025

Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.

Jerry recommends: Compare quotes across several insurers to make sure you’re getting the lowest price for the coverage you want. The Jerry app makes it easy to see your options side by side.

Jerry Agent Tip 2: Apply discounts to maximize your savings

Drivers in Spokane can save by taking advantage of discounts for safe driving, bundling home and auto coverage or getting a quote early. These savings can add up quickly and make your policy more affordable without cutting back on coverage. 

The Jerry app automatically finds and applies the discounts you qualify for, so you don’t leave savings behind.

Key takeaway: Make sure you’re getting the discounts you qualify for. Jerry automatically finds and stacks them to help you keep your premium as low as possible.

Jerry Agent Tip 3: Balance protection and price to find the right coverage

Choosing the right mix of coverage helps drivers in Spokane stay protected without overspending. State minimums keep premiums low, while options like full coverage, standard and preferred tiers add stronger protections like rental reimbursement, towing and lower deductibles.

When you find the best balance between cost and protection, driving feels a lot more secure. Here are the coverage options available to drivers in Spokane:

Minimum

$66$102/mo

Meets Washington’s liability requirements, but doesn’t cover your own car.

Full

$125$218/mo

Adds collision and comprehensive, which is usually required if you lease or finance.

Standard

$167$284/mo

Includes UM/UIM and medical payments for broader protection.

Preferred

$217$352/mo

Offers higher limits, lower deductibles and extras like towing or rental coverage.

Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.

Why it matters: Comparing coverage tiers helps you understand the tradeoffs between what you pay each month and the risk you’re taking on. Jerry shows real-time prices for each tier so you can choose the option that works best for you.

  • Coverage definitions
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Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your premium. Just be sure you can comfortably cover that cost if you need to file a claim.

Here’s a look at the deductibles Jerry drivers chose in the past year:

To find the ideal deductible:

  • Check your car’s value (Jerry tracks this for you monthly).

  • Choose what you can afford out-of-pocket.

  • See how deductibles change your rate in real time.

The Jerry difference: Jerry shows you real-time savings across multiple deductible levels, so you can confidently choose the balance between cost and coverage that fits you best.

Drive with confidence

Driving brings risks, from collisions to repairs, and the right coverage and smart discounts can keep costs under control. When you compare quotes and stack the discounts available to you, you can cut your premium without cutting coverage. Jerry helps Spokane drivers do exactly that by finding lower prices and the protection that fits their needs.

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Methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes

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Our experts
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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