Car Insurance in Spokane
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Save Money With the Right Spokane Auto Insurance
People know Spokane's riverfront location in eastern Washington for its natural beauty, not to mention its world-class museums and restaurants. The U.S. Census Bureau reports that Spokane has a 2022 population of more than 230,000 residents. an increase of more than 10% since the 2010 census. Good car insurance in Spokane is essential since nearly 76% of residents drive alone to work, and another 9.5% carpool with others, according to Sperling's Best Places.
The city offers easy access to both Idaho and Seattle via I-90. Many people move to Spokane because of its convenient location and low cost of living, which is well below the national average. However, it's important to note that the median household income is lower than the U.S. median, while unemployment in Spokane is a bit above average. If you're on a tight budget, you can reduce the cost of car insurance by shopping for quotes from multiple providers.
Why Spokane Drivers Need Solid Insurance
Traffic fatalities hit their highest rate since 1990 in both Spokane and all of Washington in 2022. State representatives attributed the increase in severe accidents to driving distractions and drug and alcohol use behind the wheel.
Property crimes such as theft and vandalism also pose a risk for Spokane drivers. Sperling's Best Places notes that the city has a rate of nearly 6 property crimes for every 100 residents, more than double the state rate of 2.6 and almost triple the national rate of 2.1. Residents should be aware of these concerns and protect their finances with an auto insurance policy that covers all the bases. You can find great rates on full coverage with the VIU by HUB online quote tool.
Average Car Insurance Cost in Spokane
The cost of car insurance across Washington averages $515 annually for minimum coverage and $1,410 for full coverage. according to Bankrate. State residents pay nearly 30% less than the national average of $2,014 per year for full coverage. In Spokane, you'll likely spend even less, with full coverage averaging $1,283 per year. In comparison, residents of Tacoma and Seattle pay over $1,500 per year for this type of policy.
The cost of car insurance in Spokane can even vary among neighbors. Some ZIP codes represent a higher risk for insurance companies because of factors like accident rate and population, which in turn increase premiums. However, you can find lower rates with VIU by HUB by getting personalized quotes from multiple providers at once.
Washington Laws About Auto Insurance
Spokane drivers must carry liability insurance of at least:
- $10,000 for property damage
- $25,000 per person per accident for bodily injury or wrongful death
- $50,000 per two people in a single accident for bodily injury or wrongful death
These policies don't pay for damage to your own vehicle. For that type of coverage, you need a collision policy for auto accident damage and a comprehensive policy for weather, vandalism, theft and other non-collision events. You may also want to buy optional personal injury protection to pay medical bills for you and your passengers if an accident occurs. Compare prices on full coverage car insurance in Spokane with smart quotes from VIU by HUB.
Spend less on car insurance in Spokane by getting multiple quotes at once with VIU by HUB.
This information is intended for general informational purposes only and is not intended to constitute legal advice.