Spokane Car Insurance Cost for 2025 – Rates, Rankings, Comparisons

• The average cost of car insurance in Spokane is 2.8% less than the national average rate of $2,276.
• Car insurance rates for a few popular vehicles in Spokane include the Ford F150 at $207 per month, Jeep Grand Cherokee at $185, and Jeep Wrangler at $211.
• For cheap car insurance in Spokane, WA, crossover vehicles like the Subaru Crosstrek, Chevrolet Trailblazer, and Buick Envision have some of the cheapest rates.
• Auto insurance quotes in Spokane can vary from as little as $33 per month for minimum liability insurance to well over $705 per month for drivers needing high-risk coverage.

How much does car insurance cost in Spokane?

The average price for car insurance in Spokane is $2,214 per year, which is 2.8% less than the overall national average rate of $2,276. The average monthly cost of car insurance in Spokane is $185 for a full-coverage car insurance policy.

The average cost to insure a vehicle in Washington is $2,350 per year, so Spokane, Washington, drivers pay an average of $136 less per year than the overall Washington state-wide average rate. The cost to insure a car in Spokane compared to other Washington locations is approximately $98 per year less than in Vancouver, $168 per year cheaper than in Bellevue, and $362 per year cheaper than in Tacoma.

Driver age influences the price of auto insurance, so the list below details how driver age influences cost by showing average car insurance rates based on the age of the driver.

Average cost of car insurance in Spokane, Washington, by driver age

• 16-year-old driver – $7,886 per year or $657 per month
• 17-year-old driver – $7,640 per year or $637 per month
• 18-year-old driver – $6,846 per year or $571 per month
• 19-year-old driver – $6,235 per year or $520 per month
• 20-year-old driver – $4,454 per year or $371 per month
• 30-year-old driver – $2,364 per year or $197 per month
• 40-year-old driver – $2,214 per year or $185 per month
• 50-year-old driver – $1,962 per year or $164 per month
• 60-year-old driver – $1,836 per year or $153 per month

The chart below shows average auto insurance rates in Spokane for 2024 model year vehicles not only for different driver ages, but also for different policy deductibles.

The average cost of car insurance per month in Spokane is $185, and ranges from $129 to $432 for the average costs shown in the previous chart.

Spokane car insurance rates have different premiums for every driver and can also be very different depending on the company. Due to the fact that rates are so variable, this reinforces the need for accurate free auto insurance quotes when shopping around for the cheapest auto insurance policy.

The cost to insure specific vehicles

The previously discussed car insurance rates take all 2024 models and come up with an average cost, which is suitable for making overall comparisons such as the difference in average auto insurance cost between two Washington cities.

Average auto insurance rates are terrific for getting the answer to questions like “are Spokane car insurance rates cheaper than in Seattle?” or “are Washington car insurance rates cheaper than in Texas?”.

But for more useful price comparisons, the rates will be more accurate if we analyze the exact make and model of vehicle being insured. Every car, truck, SUV and minivan has a unique risk profile for physical damage and liability claims, and this data makes it possible to perform detailed insurance cost comparisons.

The chart below displays average car insurance cost for the more popular vehicles on the streets of Spokane.

Models that are popular in Spokane tend to be compact and midsize cars like the Volkswagen Jetta and Toyota Camry and compact or midsize SUVs like the Chevy Equinox, Nissan Rogue, and Ford Explorer.

A few additional popular models from different automotive segments include luxury models like the Lexus ES 350, Acura MDX, and Infiniti QX60 and sports cars like the Nissan GT-R, Ford Mustang, and Chevy Corvette.

We get into more rates in a little bit, but before that, let’s take a condensed look at some of the ideas covered in the data above.

• Spokane car insurance rates are cheaper than the Washington state average – $2,214 (Spokane average) compared to $2,350 (Washington average)
• Car insurance for a teenager is expensive in Spokane – Average cost can range from $5,271 to $7,886 per year to insure a teenager in Spokane.
• Spokane, WA, car insurance cost is less than the U.S. average – $2,214 (Spokane average) compared to $2,276 (U.S. average)
• Teenage female drivers pay cheaper rates than teenage males – Teenage female drivers pay $964 to $521 less per year than males of the same age.
• Auto insurance rates decrease a lot in your twenties – The average 30-year-old Spokane, WA, driver will pay $2,090 less each year than a 20-year-old driver, $2,364 versus $4,454.
• Low deductibles cost more than high deductibles – A 30-year-old driver pays an average of $602 more per year for a policy with $250 deductibles versus $1,000 deductibles.
• Car insurance is generally cheaper as you get older – Car insurance rates for a 60-year-old driver in Spokane are $2,618 per year cheaper than for a 20-year-old driver.

What are the cheapest auto insurance rates in Spokane?

When comparing models from every automotive segment, the vehicles with the lowest cost average auto insurance prices in Spokane tend to be compact SUVs and crossovers like the Chevrolet Trailblazer, Subaru Crosstrek, Buick Envision, and Toyota Corolla Cross.

Average auto insurance rates for those compact SUVs cost $1,800 or less per year, or $150 per month, for a policy with full coverage.

Some additional models that are highly ranked in our auto insurance cost comparison are the Volkswagen Tiguan, Subaru Outback, Nissan Murano, and Buick Envista. Insurance rates are a little bit more for those models than the crossovers and small SUVs that rank at the top, but they still have average rates of $160 or less per month in Spokane.

The next table ranks the vehicles with the cheapest overall insurance rates in Spokane, ordered starting with the cheapest.

The above table containing 20 vehicles with the cheapest insurance in Spokane doesn’t really give a detailed summary of the cost of auto insurance in Spokane. A more thorough way to analyze rates for many more vehicles is to sort them by their automotive segment. The following sections break out the top 20 vehicles with the most affordable insurance rates for each of the primary segments.

Cheapest cars to insure in Spokane, WA

The Toyota GR Corolla ranks at #1 for the lowest-cost car to insure in Spokane, followed by the Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. The 2024 model has an average cost of $1,924 per year for full-coverage auto insurance.

Other cars that have cheaper rates are the Honda Accord, Toyota Prius, Toyota Corolla, and Kia K5, with an average cost to insure of $2,156 per year or less.

Additional cars on the list include the Hyundai Ioniq 6, Volkswagen Arteon, Hyundai Sonata, and Volkswagen Jetta, which cost between $2,156 and $2,290 per year to insure.

Auto insurance rates in Spokane for this segment for the average driver will start around $160 per month, depending on your location and insurance company.

The next table ranks the twenty cars with the cheapest average insurance rates in Spokane, starting with the Toyota GR Corolla at $1,924 per year and ending with the Mazda 3 at $2,290 per year.

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see insurance rates for your vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Spokane car insurance quotes from top-rated auto insurance companies in Washington.

Cheapest SUVs to insure in Spokane, Washington

Ranking #1 in Spokane for cheapest auto insurance rates in the non-luxury SUV segment is the Subaru Crosstrek, at $1,634 per year. Second place is the Chevrolet Trailblazer costing $1,664 per year, third place goes to the Kia Soul, at an average of $1,730 per year, and coming in fourth is the Nissan Kicks, costing an average of $1,744 per year.

Additional SUVs that have affordable insurance rates include the Buick Envision, Mazda CX-5, Ford Bronco Sport, and Hyundai Venue, with average cost of $1,814 per year or less.

Additional 2024 models that made the list include the Buick Envista, Subaru Outback, Honda HR-V, and Subaru Ascent, which average between $1,814 and $1,926 per year for insurance in Spokane.

Full-coverage car insurance in this segment starts at around $136 per month, depending on where you live and the company you use.

The lowest-cost non-luxury compact SUV to insure in Spokane is the Subaru Crosstrek at $1,634 per year. For midsize models, the Honda Passport is cheapest to insure at $1,764 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is most affordable to insure at $2,080 per year.

The table below ranks the SUVs with the cheapest average insurance rates in Spokane, starting with the Subaru Crosstrek at $136 per month and ending with the Subaru Ascent at $161 per month.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Don’t see insurance cost for your SUV? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Spokane car insurance quotes from top auto insurance companies in Washington.

Cheapest sports car insurance rates in Spokane

The Mazda MX-5 Miata ranks at #1 for the cheapest sports car to insure in Spokane, followed by the Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. The 2024 model averages $2,050 per year for a policy with full coverage.

Other cars that have affordable insurance rates include the Toyota GR Supra, BMW M2, Nissan Z, and Lexus RC F, with an average cost to insure of $2,646 per year or less.

Ranked from 10th to 20th place, cars like the Porsche Taycan, Mercedes-Benz AMG GT53, Porsche 911, Chevrolet Camaro, and Chevrolet Corvette cost between $2,646 and $3,752 per year to insure.

Car insurance in this segment for a middle-age safe driver can cost as low as $171 per month, depending on your location and insurance company. The next table ranks the sports cars with the cheapest average auto insurance rates in Spokane.

Looking for a different vehicle? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Spokane.

Cheapest pickups to insure in Spokane, WA

Taking the top ranking in Spokane for cheapest auto insurance in the pickup truck segment is the Chevrolet Colorado, with a cost of $1,952 per year. Second place is the Nissan Titan costing $2,068 per year, and in third place is the Nissan Frontier, at an average of $2,092 per year.

Not the cheapest to insure, but still ranked well, are pickups like the GMC Canyon, GMC Sierra 2500 HD, Honda Ridgeline, and Hyundai Santa Cruz, with average insurance cost of $2,278 per year or less.

Auto insurance rates for this segment in Spokane for the average driver will start around $163 per month, depending on the company and your location.

The comparison table below ranks the pickups with the most affordable insurance in Spokane, starting with the Chevrolet Colorado at $163 per month and ending with the Ram Truck at $213 per month.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Need rates for a different pickup model? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Spokane car insurance quotes from top auto insurance companies in Washington.

Cheapest luxury cars to insure in Spokane, WA

Ranking in the top five for the lowest-cost Spokane car insurance rates in the luxury car segment are the Mercedes-Benz CLA250, Acura TLX, Lexus IS 300, BMW 330i, and Acura Integra. Auto insurance rates for these 2024 models average $2,292 or less per year, or around $191 per month.

Also ranking well are cars like the Lexus ES 350, Mercedes-Benz AMG CLA35, Cadillac CT4, and Lexus RC 300, with an average cost of $2,328 per year or less.

Ranked in the bottom half of the top 20 cheapest luxury cars to insure, models like the Audi S3, BMW 228i, Lexus ES 300h, Lexus ES 250, Lexus RC 350, and Lexus IS 350 average between $2,328 and $2,482 per year to insure in Spokane.

From a cost per month standpoint, full-coverage auto insurance on this segment in Spokane for the average driver starts at an average of $164 per month, depending on where you live and the company you use.

If rates are ranked based on vehicle size, the cheapest small luxury car to insure in Spokane is the Acura Integra at $1,970 per year. For midsize 2024 models, the Mercedes-Benz CLA250 has the best rates at $2,280 per year. And for large luxury car models, the Audi A5 has the most affordable rates at $2,630 per year.

The next table ranks the twenty cars with the cheapest average auto insurance rates in Spokane, starting with the Acura Integra at $1,970 per year ($164 per month) and ending with the Audi S3 at $2,482 per year ($207 per month).

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Looking for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Spokane car insurance quotes from the best auto insurance companies in Washington.

Cheapest luxury SUV insurance rates in Spokane

The Acura RDX ranks in the top spot for the lowest-cost luxury SUV to insure in Spokane, followed closely by the Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. The 2024 model costs an average of $1,850 per year to insure with full coverage.

Additional luxury SUVs that have good average insurance rates are the Lincoln Corsair, Lexus UX 250h, Lexus NX 450h, and Lexus NX 350h, with average rates of $2,134 per year or less.

From a cost per month standpoint, full-coverage insurance on this segment in Spokane for an average middle-age driver will start around $154 per month, depending on the company and where you live.

The cheapest compact luxury SUV to insure in Spokane is the Acura RDX at $1,850 per year. For midsize luxury models, the Jaguar E-Pace is cheapest to insure at $2,070 per year. And for large luxury SUVs, the Infiniti QX80 has the most affordable rates at $2,482 per year.

The rate comparison table below ranks the twenty SUVs with the most affordable auto insurance rates in Spokane, starting with the Acura RDX at $154 per month and ending with the Lexus RX 350 at $185 per month.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Looking for rates for a different model? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Spokane car insurance quotes from top companies in Washington.

Spokane car insurance cost examples

In an effort to help you understand the amount car insurance premiums can deviate from one driver to the next (and also point out the importance of requesting multiple rate quotes), the charts below show detailed rates for five popular models in Spokane: the Ram Truck, Honda Civic, Toyota RAV4, Toyota Camry, and Chevrolet Camaro.

Each illustration shows average rates for different profiles to demonstrate how rates can be very different with only small changes in driver profile or coverage limits.

Ram Truck insurance rates

Ram Truck insurance in Spokane costs an average of $2,560 per year ($213 per month) and has a range of $2,122 to $5,896 per year.

The Ram Truck is part of the full-size truck segment, and other models from that segment that are popular in Spokane, WA, include the Nissan Titan, Toyota Tundra, Ford F150, and Chevrolet Silverado.

Honda Civic insurance rates

Honda Civic insurance in Spokane averages $1,958 per year ($163 per month) and ranges from $1,630 to $4,448.

The Honda Civic belongs to the compact car segment, and other popular same-segment models include the Volkswagen Jetta, Chevrolet Cruze, and Nissan Sentra.

Toyota RAV4 insurance rates

In Spokane, Toyota RAV4 insurance costs an average of $2,040 per year, or around $170 per month, and ranges from $1,696 to $4,696.

The Toyota RAV4 is part of the compact SUV segment, and other models in that segment include the Honda CR-V, Chevrolet Equinox, and Nissan Rogue.

Toyota Camry insurance rates

Car insurance for a Toyota Camry in Spokane averages $2,378 per year (about $198 per month) and varies from $1,978 to $5,468 per year.

The Toyota Camry is considered a midsize car, and other models in that segment include the Kia K5, Honda Accord, Chevrolet Malibu, and Nissan Altima.

Chevrolet Camaro insurance rates

Insurance for a Chevrolet Camaro in Spokane averages $2,876 per year, or around $240 per month, and has a range of $2,386 to $6,608 per year.

The Chevrolet Camaro belongs to the sports car segment, and other top-selling models from the same segment include the Ford Mustang, Toyota Supra, Subaru BRZ, and Chevrolet Corvette.

Tips for getting cheaper Spokane auto insurance quotes

Smart drivers should always be looking to save money on insurance So glance through the money-saving tips below and it’s very possible you can save some money.

• Buy vehicles with cheaper auto insurance rates. Vehicle performance has a significant impact on the price you pay for insurance. As an example, a Hyundai Venue costs $2,338 less per year to insure in Spokane than a Acura NSX. Lower performance vehicles cost less to insure.
• If your car is older, remove unneeded coverages. Dropping full coverage from vehicles whose low value makes coverage cost prohibitive will cut the cost of car insurance substantially.
• Compare insurance cost before buying a car. Different cars, and even different trim levels of the same car, have very different costs for insurance, and companies can sell coverages with a wide range of costs. Get multiple insurance quotes before you upgrade you car in order to prevent insurance sticker shock when you see your first insurance bill.
• Shop around anytime. Setting aside a few minutes before every renewal to get some free car insurance quotes could significantly reduce the cost of insurance. Companies change rates often and switching to a different company is very easy to do.
• Negligent drivers pay higher car insurance rates. Causing too many accidents will raise rates, possibly by an extra $3,160 per year for a 20-year-old driver and even $538 per year for a 60-year-old driver. So be a careful driver and save!