Find Car Insurance in Spokane, WA

What You Should Know About Car Insurance in Spokane, Washington

This charming area offers a unique blend of urban amenities and outdoor beauty, making it an attractive place to live. With its vibrant downtown, local eateries, and year-round recreational activities like hiking, skiing, and fishing, there’s always something to enjoy. The city is known for its friendly, tight-knit community, and while it may not be as large as Seattle, it has a charming, laid-back atmosphere. Driving in Washington, however, can come with its challenges, especially in the winter months when snow and icy roads are common.

The weather can make the roads slippery, and it’s crucial to be prepared. This is where having full coverage car insurance becomes essential. While liability insurance is a must for any driver, full coverage helps protect you in case of an accident, whether it’s your fault or not. It ensures that you’re covered for things like repairs, medical expenses, and even theft or natural disasters, which can be more frequent in certain areas. It’s peace of mind knowing that no matter what happens on the road, you’re fully protected.

Whether it’s snowy roads or heavy traffic, driving in Spokane comes with its challenges. That’s why InsureOne offers a variety of car insurance plans in Washington with top-rated carriers to keep you protected, no matter the conditions. Get the coverage you need at a price you can afford.

How Much Does Car Insurance Cost in Spokane, Washington?

Keep in mind, many different factors go into determining your car insurance quote and it is not likely that you will be offered the same cost.

Car insurance prices vary depending on a variety of factors, with location being a major one. In Spokane, a 30-year-old male who opts for the minimum required coverage can expect to pay about $40 a month. If they choose full coverage, it will increase to roughly $110 per month.

Nationally, the average cost for minimum liability is $66, and full coverage costs about $223. In Washington, the full coverage average is $214, while the minimum is $60. Compared to other places, Spokane offers relatively lower insurance rates.

Remember, car insurance quotes are personalized and can differ based on many factors unique to you.

What Does Full Coverage vs Minimum Liability Mean?

Full coverage insurance provides more protection than minimum liability. It includes liability, comprehensive, and collision coverage, while minimum liability only covers the damage you cause to others. With full coverage, you’re protected if your vehicle is damaged in an accident, even if it’s your fault, or if it’s damaged by something other than a collision, like theft or weather events.

Minimum liability, on the other hand, doesn’t cover your own vehicle’s damage—just the damage to others’ property or injuries you cause in an accident. So, full coverage gives you a broader safety net, especially if you’re driving a newer vehicle or in areas with higher risks.

Affordable Car Insurance Rates Comparison by Cities in Washington

Traffic-heavy areas tend to have higher insurance premiums, as more accidents mean more claims. Your location plays a crucial role in your car insurance quote. Check out how Spokane’s rates compare with other cities in Washington to see how it all adds up.

City	Full Coverage Insurance	Liability Insurance Coverage
Spokane	$110	$40
Olympia	$105	$41
Tacoma	$131	$50
Bellevue	$118	$47
Kent	$131	$51

How Bundling Your Car and Homeowners Insurance Can Save You Money in Spokane

Bundling your car and homeowners insurance in Spokane can offer several advantages, making it a smart choice for many drivers and homeowners.

1. Significant Savings

One of the biggest benefits of bundling is the potential for discounts. Insurance providers often offer lower premiums when you combine your car and homeowners policies, which can save you a substantial amount each year.

2. Simplified Management

Having both policies with the same insurer means fewer bills to manage. You’ll only need to track one payment date and deal with a single provider for all your needs. This makes it easier to keep track of your coverage and renewals.

3. Streamlined Claims Process

If you ever need to file a claim, having both your car and homeowners insurance with the same company can simplify the process. Your insurer is already familiar with your policies, making claims more straightforward.

4. Flexible Coverage Options

Bundling allows for flexibility in coverage, ensuring that both your home and vehicle are protected under a unified policy. This can include discounts on additional coverages or customized policies that better fit your specific needs.

5. One Deductible

In some cases, bundling may allow you to have a single deductible for incidents involving both your home and car. This can help reduce out-of-pocket costs if an event affects both your property and vehicle.

By bundling your car and homeowners insurance in Spokane, you not only save money but also enjoy the convenience of managing all your coverage with one trusted provider.

What Types of Car Insurance Discounts are Available in Spokane?

There’s a discount for nearly every type of customer in the insurance world. New customers usually get a discount upon signing up, while returning clients can take advantage of loyalty perks. Safe drivers often enjoy the greatest savings, and bundling policies is another excellent way to reduce your premiums. Some organizations even provide members with special discounts. To ensure you’re getting the best deal, always check with your agent. Here’s an example:

Discount	What It’s Worth
Good or Safe Driver	10-30% Off
Anti-lock brakes	3% Off
Auto-pay	5%
Military	15% on base, 90% deployed
Good Student	15%

Notable Car Insurance Laws in Spokane

In Spokane, car insurance is governed by Washington state laws, which require drivers to maintain certain levels of coverage to ensure financial protection in the event of an accident. Here are some of the key regulations that every driver in Spokane should know.

What are the Mandatory Car Insurance Requirements in Spokane?

In Washington, all drivers are required by law to carry a minimum level of liability insurance. This ensures that drivers can cover the costs of damages or injuries they may cause in an accident.

Minimum Liability Coverage

Washington state law mandates the following minimum insurance requirements for all drivers:

• $25,000 for bodily injury or death of one person
• $50,000 for bodily injury or death of all persons in an accident
• $10,000 for property damage per accident

These requirements apply to all motor vehicles on public roads.

Proof of Insurance

Drivers must carry proof of insurance at all times. Acceptable forms of proof include:

• A physical or digital insurance card
• A certificate of self-insurance issued by the state
• A certificate of deposit or surety bond of at least $60,000

Penalties for Non-Compliance

Failure to maintain the required insurance can result in:

• Fines up to $550
• License suspension if involved in an accident without insurance

While these are the state-mandated minimums, they may not fully cover all expenses in the event of a serious accident. Drivers are encouraged to consider higher coverage limits or additional types of insurance to better protect themselves and their assets.

The minimum property damage coverage in Washington is $25,000, which may not be enough if you total a brand-new Mercedes in an accident you cause. This is one good reason to consider getting additional car insurance.

What is the Penalty for Driving without Insurance in Spokane?

Washington law requires all drivers to have insurance, as the state won’t cover your mistakes on the road. If you’re caught driving without insurance, the penalties can be steep and escalate with multiple offenses. In Spokane, this can include a $550 fine, a license suspension of up to three years if you’re involved in an accident, and the need for SR-22 insurance for three years to get your license back. Even if you provide proof of insurance afterward, there’s a $25 court fee. Driving along roads like Division Street, where traffic is dense and accidents are more likely, underscores the importance of having full coverage. Without it, you risk facing even harsher consequences.

What Factors Go into My Car Insurance Cost in Spokane?

Several factors contribute to determining your car insurance cost in Spokane. These elements can affect your premiums, either raising or lowering them based on your unique situation. Here are the key factors that insurers consider:

• Driving History: Clean records typically lead to lower premiums, while accidents or violations raise costs.
• Vehicle Type: Expensive or high-performance cars cost more to insure due to repair and theft risks.
• Location: Traffic, crime rates, and accidents in your area, like Spokane, can affect your premium.
• Coverage Levels: Higher coverage increases premiums, while minimum coverage keeps costs low.
• Age and Gender: Younger drivers, especially males, tend to pay higher rates due to inexperience.
• Credit Score: A higher credit score often results in lower premiums.
• Annual Mileage: More driving typically leads to higher rates.
• Claims History: Multiple claims can increase your premiums.

Typical Driving Conditions in Spokane

Typical driving conditions in Spokane vary throughout the year, with winter being the most challenging. In the colder months, snow and icy roads are common, making driving conditions hazardous. Drivers need to be extra cautious, especially during snowstorms, as visibility can decrease and roads can become slippery. In spring and fall, rain and wet conditions are frequent, which can also create slick roads.

Summer tends to offer the best driving conditions, with clear skies and dry roads, though the occasional thunderstorm can still cause brief periods of poor visibility. Overall, it’s important to be prepared for changing weather, especially in winter, when Spokane can see significant snowfall.

How Many Car Accidents Happen in Spokane Per Year?

Along with a concerning rate of DUI incidents, aggressive driving, and accidents, Spokane saw 3,678 crashes in 2024. These incidents involved 8,784 vehicles and resulted in injuries to 1,333 people. The Washington Department of Transportation released these figures for 2024.

CRASH CATEGORY	TOTAL
Total Fatal and Injury	654
Fatalities	20
Serious Crashes	102
Non-Injury Crashes	2,325
Unknown Severity	699

How Many Uninsured/Underinsured Motorists are in Spokane?

Over 21% of drivers in Washington are uninsured, with the state ranking fifth in 2019 for the highest number of uninsured drivers. This presents a serious risk—not just for those without coverage, but for everyone on the road. Without insurance, those involved in accidents may face significant financial challenges, including repair costs, medical bills, and legal fees.

The high rate of uninsured drivers underscores the need for all vehicles to have proper insurance, protecting both the driver and others. As Washington works to tackle this issue, it’s essential that both lawmakers and drivers take insurance coverage seriously to improve road safety.