Spokane drivers must handle a mix of urban streets, winding hills and highways like Interstate 90. Harsh winter weather brings snow and ice, making roads slick, while summer wildfire smoke can reduce visibility. As the city grows, increased traffic will add to the challenge.
We’ve gathered car insurance quote data for real Jerry customers in Spokane to show you how your age, coverage level and driving history affect your premium.
More: Best car insurance in Washington
Cheapest minimum coverage insurance in Spokane, WA
Washington requires drivers to carry these minimum coverages:
- $25,000 for bodily injury or death of one person.
- $50,000 for bodily injury or death of two people.
- $10,000 for damage to other peoples’ property.
Here are the cheapest car insurance quotes that drivers in Spokane received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $36 | $434 | Progressive | 38 | June 15, 2025 | Spokane, WA | 99224 |
| $37 | $446 | Progressive | 41 | June 19, 2025 | Spokane, WA | 99208 |
| $42 | $504 | Safeco | 36 | April 27, 2025 | Spokane, WA | 99206 |
| $45 | $546 | Dairyland | 51 | February 21, 2025 | Spokane, WA | 99217 |
| $46 | $554 | Safeco | 50 | June 7, 2025 | Spokane, WA | 99217 |
| $46 | $556 | Safeco | 53 | February 20, 2025 | Spokane, WA | 99208 |
| $47 | $565 | National General | 71 | July 9, 2025 | Spokane, WA | 99224 |
| $49 | $582 | Bristol West | 41 | June 19, 2025 | Spokane, WA | 99205 |
| $49 | $588 | Progressive | 63 | April 2, 2025 | Spokane, WA | 99224 |
| $49 | $592 | Progressive | 37 | June 15, 2025 | Spokane, WA | 99204 |
Learn more: The cheapest car insurance in Washington
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Spokane, WA
Full coverage can protect your finances if your vehicle is damaged by vandalism or fire, or if you’re in an accident. Here are the cheapest quotes for full coverage in Spokane that Jerry customers have received.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $37 | $446 | Progressive | 41 | June 19, 2025 | Spokane, WA | 99208 |
| $49 | $588 | Progressive | 63 | April 2, 2025 | Spokane, WA | 99224 |
| $65 | $774 | Progressive | 42 | June 20, 2025 | Spokane, WA | 99223 |
| $83 | $993 | National General | 43 | June 24, 2025 | Spokane, WA | 99217 |
| $83 | $994 | Progressive | 25 | February 25, 2025 | Spokane, WA | 99216 |
| $83 | $1,000 | Geico | 52 | April 19, 2025 | Spokane, WA | 99217 |
| $86 | $1,026 | Progressive | 45 | June 25, 2025 | Spokane, WA | 99205 |
| $88 | $1,056 | Progressive | 28 | March 13, 2025 | Spokane, WA | 99208 |
| $91 | $1,086 | Progressive | 42 | April 28, 2025 | Spokane, WA | 99202 |
| $94 | $1,124 | Safeco | 53 | February 20, 2025 | Spokane, WA | 99208 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
More: Best car insurance companies
Cheapest car insurance for young drivers in Spokane, WA (18-29 years old)
Young drivers often pay higher insurance rates because insurers view their lack of driving experience as risky. Given that insurers weigh this risk differently, getting quotes from multiple companies may help you find the cheapest coverage. Here are the cheapest quotes that Jerry customers in Spokane have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $63 | $754 | Progressive | 23 | No | April 12, 2025 | Spokane, WA | 99217 |
| $64 | $767 | Dairyland | 24 | No | July 15, 2025 | Spokane, WA | 99202 |
| $68 | $814 | Progressive | 22 | No | April 23, 2025 | Spokane, WA | 99224 |
| $71 | $848 | Progressive | 27 | No | May 20, 2025 | Spokane, WA | 99204 |
| $78 | $936 | National General | 23 | No | August 2, 2025 | Spokane, WA | 99224 |
More: Get cheap car insurance the smart way, today
Cheapest car insurance for mature drivers in Spokane, WA (30-54 years old)
Drivers between 30 and 54 years old typically receive lower rates than younger drivers, but to keep premiums as low as possible, it’s wise to regularly compare quotes from different insurers before your policy renews. Here are the cheapest car insurance quotes for mature drivers in Spokane who have received quotes via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $37 | $446 | Progressive | 41 | Yes | June 19, 2025 | Spokane, WA | 99208 |
| $42 | $504 | Safeco | 36 | No | April 27, 2025 | Spokane, WA | 99206 |
| $46 | $556 | Safeco | 53 | No | February 20, 2025 | Spokane, WA | 99208 |
| $52 | $628 | Safeco | 45 | No | June 26, 2025 | Spokane, WA | 99206 |
| $53 | $638 | National General | 40 | No | June 20, 2025 | Spokane, WA | 99212 |
Cheapest car insurance for older drivers in Spokane, WA (55+ years old)
Drivers who are 55 and older usually see their insurance rates continue to fall. However, rates could start rising once a driver reaches their 70s. Here are the cheapest quotes that seniors in Spokane have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $49 | $588 | Progressive | 63 | April 2, 2025 | Spokane, WA | 99224 | Yes |
| $53 | $633 | National General | 59 | July 9, 2025 | Spokane, WA | 99218 | No |
| $55 | $662 | National General | 60 | July 7, 2025 | Spokane, WA | 99205 | No |
| $56 | $677 | Dairyland | 60 | June 26, 2025 | Spokane, WA | 99208 | No |
| $68 | $816 | National General | 66 | March 18, 2025 | Spokane, WA | 99207 | No |
Cheapest car insurance for drivers with clean records in Spokane, WA
Drivers with clean records — no claims, accidents or violations — typically receive the cheapest premiums. Here are the cheapest quotes for drivers in Spokane with clean records, based on Jerry data.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $37 | $446 | Progressive | 41 | June 19, 2025 | Yes | Spokane, WA | 99208 |
| $42 | $504 | Safeco | 36 | April 27, 2025 | No | Spokane, WA | 99206 |
| $46 | $556 | Safeco | 53 | February 20, 2025 | No | Spokane, WA | 99208 |
| $49 | $588 | Progressive | 63 | April 2, 2025 | Yes | Spokane, WA | 99224 |
| $52 | $628 | Safeco | 45 | June 26, 2025 | No | Spokane, WA | 99206 |
| $53 | $633 | National General | 59 | July 9, 2025 | No | Spokane, WA | 99218 |
| $53 | $638 | National General | 40 | June 20, 2025 | No | Spokane, WA | 99212 |
| $55 | $662 | National General | 60 | July 7, 2025 | No | Spokane, WA | 99205 |
| $56 | $674 | Safeco | 46 | March 8, 2025 | No | Spokane, WA | 99212 |
| $56 | $676 | Safeco | 35 | March 9, 2025 | No | Spokane, WA | 99207 |
Cheapest car insurance for drivers with low credit scores in Spokane
Washington allows insurers to consider credit history when determining premiums. If you have a low score you may receive a higher rate, so it’s wise to compare quotes from multiple insurers as they can weigh credit history differently in their pricing formulas. Below are the cheapest quotes that Spokane drivers with credit scores below 550 have received via Jerry.
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $52 | $624 | The General | 42 | February 28, 2024 | Spokane, WA | 99208 |
| <550 | $73 | $878 | The General | 38 | February 29, 2024 | Spokane, WA | 99208 |
| <550 | $85 | $1,018 | Progressive | 66 | April 5, 2025 | Spokane, WA | 99207 |
| <550 | $86 | $1,036 | Progressive | 74 | June 5, 2025 | Spokane, WA | 99223 |
| <550 | $87 | $1,042 | Dairyland | 35 | May 6, 2024 | Spokane, WA | 99224 |
Cheapest car insurance for drivers with at-fault accidents in Spokane, WA
Drivers who have new at-fault accidents on their records usually see their insurance costs rise. Therefore, it’s wise to compare quotes just before your renewal date to find the cheapest option. Here are the cheapest quotes that drivers in Spokane with at-fault accidents on their records have received via Jerry.
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $51 | $616 | Progressive | 50 | No | July 30, 2025 | Spokane, WA | 99217 |
| At Fault With No Injury | $84 | $1,012 | Dairyland | 43 | No | April 26, 2024 | Spokane, WA | 99202 |
| At Fault With No Injury | $96 | $1,155 | The General | 40 | No | August 12, 2024 | Spokane, WA | 99208 |
| At Fault With No Injury | $98 | $1,180 | Progressive | 36 | No | May 15, 2025 | Spokane, WA | 99202 |
| At Fault With No Injury | $107 | $1,288 | Bristol West | 39 | No | February 26, 2025 | Spokane, WA | 99208 |
Cheapest car insurance for drivers with speeding tickets in Spokane, WA
Getting a speeding ticket will typically cause your auto insurance costs to rise. To get the best rate, it’s wise to get multiple quotes when your renewal date is close. Here are the cheapest quotes Jerry customers with speeding citations in Spokane received.
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $66 | $788 | The General | 38 | March 30, 2024 | Spokane, WA | 99216 |
| Speeding over 15 | $69 | $825 | The General | 44 | February 2, 2025 | Spokane, WA | 99217 |
| Speeding under 15 | $71 | $854 | Dairyland | 42 | July 25, 2024 | Spokane, WA | 99223 |
| Speeding under 15 | $84 | $1,012 | Dairyland | 43 | April 26, 2024 | Spokane, WA | 99202 |
| Speeding over 15 | $90 | $1,080 | The General | 26 | February 29, 2024 | Spokane, WA | 99205 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
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.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
