Cheap Car Insurance in Spokane, Washington

Find out more about Spokane before shopping for cheap car insurance. Along the Spokane River just west of the Rocky Mountain foothills, Spokane is about 100 miles from the Canada border and 20 miles from Idaho. Home to an estimated 216,000 residents, it is the third largest urban area in the Pacific Northwest after Seattle and Portland. Over the years, heavy industry has been replaced by hospitality, education and high-tech jobs. 

Let Cheap Car Insurance help take the leg work out of shopping for the best car insurance in Spokane, WA. Let us compare insurance quotes for you now!

Driving Conditions in Spokane

Interstate 90 runs east-west through Spokane, which is largely set up on a grid system. In general, east-west roads are designated as avenues, and north-south roads are designated as streets. Division Street, which divides the city into east and west sections, is known as the major retail corridor and Spokane's most congested, especially during peak hours.

Compared to average U.S. Cities commute of 25.2 minutes, Spokane has a much shorter commute time at just 18.7 minutes, according to Census Bureau data. For traffic maps, cameras, construction and delay information, visit

Unique Laws in Spokane

A recently passed tougher distracted driving law in Washington prohibits using mobile devices even at stop lights or signs, but also targets other types of distracted driving such as grooming or eating. Eating or grooming while driving is a secondary offense, however, meaning you can only be ticketed for it if stopped for another offense.

In more rare and less enforced laws, it is illegal to buy meat or mattresses on Sunday, harass Bigfoot or other questionable species, or to walk around in public when one has a cold.

Spokane Crime Statistics

Finding itself on a few “Most Dangerous Cities” lists in recent years, Spokane has a higher crime rate than other cities its size.

The Spokane-Spokane Valley metro area landed at No. 11 on the National Insurance Crime Bureau's 2016 ranking of cities with highest vehicle theft rates, up from No. 25 the year before. The area had an auto theft rate of 624 incidents per 100,000 people based on 2016 data, compared to 444 incidents the prior year. The national average is 220 incidents per 100,000 people.

Spokane Safety Requirements

A recently passed distracted driving law taking effect in 2017 prohibits use of virtually all handheld gadgets behind the wheel, and includes composing or reading any kind of message, picture or data while moving or at a stop light or sign. Smartphones mounted on the dashboard for a navigational map are OK, but the new law permits only minimal touching of the screen to activate the device. Seat belts are required for everyone in the car, and the driver is held responsible for buckling or restraining all passengers under age 16. Children who reach age 8 or 4 feet, 9 inches tall, whichever comes first, must ride in a safety seat or booster

Spokane Impaired Driving Laws

Washington State was one of the first states to legalize the possession and purchase of marijuana for users over 21, though they may not resell it or grow it. It remains illegal, however, to drive under the influence of marijuana.

According to the Washington State Department of Licensing, you can get a DUI if you are affected by drugs or alcohol or both, and this applies to both legal and illegal drugs. Separate license revocations apply for a DUI arrest and a DUI conviction. The legal limit of blood alcohol levels is .08 for adults, .04 for commercial drivers and .02 for drivers under 21. In addition to license suspension, first offenders face jail time, fines, alcohol evaluation and a future ignition interlock device requirement.

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Car Insurance Spokane, Washington Agents

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  • Northwest Insurance Services


    Brian Graves
    Get online auto insurance quotes from the best auto insurance companies from your local independent northwest auto insurance agency.

    What makes your specific agency stand out from your competition?
    When shopping for car, home or business insurance it is recommended to shop around! Northwest insurance services works with more than fifteen different auto and home insurance companies, dozens of commercial insurance companies to find the best rates and coverage possible. We shop for you! please keep in mind we work for you not the insurance company. contact one of our agents at 509-590-1529 for assistance with your needs.

    • Refer A Friend

    • Property & Causualty

    • LIC239705

    312 W Nora Ave
    Spokane, WA 99205
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  • Northwest Insurance Services Inc


    Brian Graves
    Independent agency offering cheap car, auto, home, business, commercial, health insurance in the spokane and surrounding area, our home and auto companies include. Safeco, travelers, allied, hartford, progressive, national general, austin mutual, first american, mapfee, metlife, stillwater,

    What makes your specific agency stand out from your competition?
    Personal care and friendly service set northwest insurance services apart. We explain in english the insurance policy and coverage's.

    • $25 Dinner Coupon If We Can Not Save You Money

    • Property Casualty

    • 239705

    312 W Nora Ave
    Spokane, WA 99205
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  • Alpine Insurance Inc


    Alpine Insurance Inc
    As an independent insurance agent, alpine insurance inc has access to over 30 auto and home insurance companies that can serve your needs, including travelers, safeco, gmac (national general), kemper preferred, dairyland, mapfre, allied, hartford, american modern, progressive, metlife and many more.

    What makes your specific agency stand out from your competition?
    Proudly serving spokane,wa, spokane valley, liberty lake, cheney, mead, chattaroy, post falls, id, coeur d'alene, and surrounding areas.licensed in wa and id.

    • Homeowners Discount

      Umbrella Discount

      Good Student

      Prior Insurance

      Multiple Autos

      Advanced Quote

      Defensive Driving Discount

      Accident Free Discount

      Driver Training Discount

      Eft Discount

      Full Pay Discount

      Alarm Discount

    • Personal Lines

    • 781145

    59 E Queen Ave Suite 112
    Spokane, WA 99207
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  • All Lines Insurance Inc


    Dexter Phillips
    Full service, independent insurance agency offering auto, home and business insurance in spokane, spokane valley, cheney and all of washington. Request a free quote today.

    616 E 3rd Ave
    Spokane, WA 99202
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  • Alpine Insurance Inc


    Brad Fitzgerald
    Providing the choices you deserve for auto, home, and rental insurance.

    59 E Queen Ave St 112
    Spokane, WA 99207
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  • Inland Northwest Insurance, Inc.


    Steve Forance, Owner
    We are an independent insurance agency locate in spokane valley just off pines on broadway. We offer products from grange, safeco, progressive, mutual of enumclaw, liberty northwest and numerous other companies. We are "professional people offering a pe

    12319 E Broadway Avenue
    Spokane, WA 99216
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  • Aagi


    Guy Williams
    Full service independent agency handling all of your insurance needs

    7816 E. Broadway Ave
    Spokane, WA 99212
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  • Aaa Insurance


    13817 E Sprague Ave Ste 6
    Spokane, WA 99216
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    To better serve their customers, they've closed this location that served tens of thousands of customers & want us now to drive into the city of Spokane for service - MORONS!

    To better serve their customers, they've closed this location that served tens of thousands of customers & want us now to drive into the city of Spokane for service - MORONS!

  • Huston & Associates


    601 W Maxwell Ave Ste 2
    Spokane, WA 99201
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    I called them up and ended up saving big time! Great rates and great customer service after the sale! I suggest you to give them a call and see for yourself firsthand!!!

  • Aaa Insurance
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  • Associated Agency Group
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  • Brad Hovde
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  • Charles T Fletcher
  • Charlie Flager
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  • D Kent Burns
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  • Metlife Auto & Home
  • Metlife Auto & Home - M Martin
  • Michael Boutz Jr
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  • Mike Boutz Sr
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  • Richard Cerenzia
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  • Valerie Scott
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  • William Barrier
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  • Colleen Kabacinski
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  • Timothy Hockman
  • Steven Henshall
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  • Stacey Kemble
  • Dominique Wensel
  • Sally Ridlen
  • Cindy Celestine
  • Kristopher Tudor
  • Raphael Burel
  • Patti Parrilli
  • Ruth Placeres
  • Rose Duplantis
  • Francis Mikkelson
  • Clarence Schueneman
  • Jadon Cambero
  • Kendra Palone
  • Kelsey Chudzinski
  • Robyn Stepler
  • Dennis Bomar
  • Courtney Kingsolver
  • Tami Merck
  • Christina Nico
  • Isaac Kruth
  • Paula Bolejack
  • Floyd Santaniello
  • Bruce Orocio
  • Kerry Vieyra
  • Kristi Griffen
  • Julia Wickliff

Did you know ?

Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

Savings Tip

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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