The Cheapest Car Insurance Companies in Spokane
The cheapest indemnity companies in Spokane for wide coverage policies are :
- PEMCO: $611 per year
- Progressive: $728 per year
For former and current military members and their families, USAA is the cheapest option at $ 559 per year. PEMCO ’ second car policy policy is $ 1,632 cheaper than the most expensive supplier, MetLife. Full coverage policies typically include comprehensive examination and collision policy and provide more protection than a liability-only policy. Prices for full coverage policies vary depending on how much liability indemnity you choose .
Cheapest Car Insurance in Spokane
Full Coverage 100/300/100
- party 100/300/100per year
- 1 .USAA $559
- 2. PEMCO $611
- 3 .Progressive $728
- 4 .GEICO $732
- 5 .State Farm $742
- 6 .Allstate $927
- 7. Allied $999
- 8 .Travelers $1,085
- 9 .American Family $1,089
- 10 .Farmers $1,344
- 11 .MetLife $2,243
MoneyGeek ’ s exclusive methodology includes collecting rates for a 40-year-old male driver and compare costs for full coverage policies from versatile companies in Spokane. Full coverage car indemnity includes comprehensive and collision coverages and is consequently more expensive than minimum coverage policies. The monetary value of wax coverage policies may further increase depending on the indebtedness indemnity limits and other coverages that you choose, such as personal wound protection. Having a full coverage policy is valuable as it pays for damage to vehicles ampere well as any bodily injury in case of an accident .
- Comprehensive Insurance: It covers damage to your vehicle due to events other than accidents such as vandalism and theft.
- Collision Insurance: This insurance pays for expenses when you hit another vehicle or a stationary object.
If you have an older car, it can be better to choose a policy that meets the minimum state requirements or tied opt for liability-only indemnity. otherwise, you may end up paying more in policy premiums than your car ’ s replacement rate .
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Cheapest Car Insurance in Spokane for Minimum Coverage
The monetary value of car policy in Spokane and elsewhere is affected by the measure of coverage you purchase. Spokane drivers with a state minimum liability-only policy pay an average of $ 594. A driver with a full coverage policy typically pays $ 456 more for an average of $ 1,050 .
Cheapest Minimum Liability Car Insurance in Spokane
state Minimum
- company State Minimumper year
- 1 .USAA $271
- 2. PEMCO $333
- 3 .Progressive $343
- 4 .State Farm $364
- 5 .GEICO $385
- 6. Allied $560
- 7 .Allstate $576
- 8 .American Family $596
- 9 .Travelers $615
- 10 .Farmers $757
- 11 .MetLife $1,408
A minimal coverage policy that only meets country requirements in Washington is the cheapest option and includes liability insurance. indemnity companies in Washington are required by law to offer personal injury auspices coverage to drivers, although opting for it is still the driver ’ south option. The liability policy that comes with the state minimal policy may not be enough to cover all expenses in sheath of an accident. This may result in solid out-of-pocket expenses for you. For case, if you ’ re in an at-fault accident and you have a 25/50/10 policy, the insurance company will pay a maximum of $ 25,000 for bodily injury per person. That means if the other driver has $ 55,000 in aesculapian expenses after the accident, you ’ ll have to pay the remaining $ 30,000 yourself .
Washington Minimum Liability Requirements
- token description
- Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 10,000 for property damage. A more protective grade is 100/300/100 .
Cheapest Car Insurance in Spokane if You Have Driving Violations
Your policy premiums will go up if you have any drive violations such as a DUI, an at-fault accident or a speed tag on your record. The best policy companies for drivers with such violations in Spokane are :
- Cheapest after a ticket: GEICO, $732 per year
- Cheapest after an at-fault accident: PEMCO, $823 per year
- Cheapest after a DUI: State Farm, $808 per year
If you have military credentials, USAA is the cheapest option if you have a rush ticket or an at-fault accident on your record. USAA annual premiums for drivers with these violations cost $ 652 and $ 784, respectively. even if you have anterior violations on your record, you can still get cheaper policy by improving it over meter. Until then, you can look for the best cheap policy for bad drivers by comparing multiple quotes .
Cheapest Car Insurance in Spokane With a Violation
Speeding ticket
- company Speeding Ticketper year
- 1 .USAA $652
- 2 .GEICO $732
- 3. PEMCO $752
- 4 .State Farm $808
- 5 .Allstate $1,005
- 6 .Progressive $1,027
- 7. Allied $1,140
- 8 .Travelers $1,465
- 9 .American Family $1,548
- 10 .Farmers $1,762
- 11 .MetLife $2,314
Average Cost of Car Insurance in Spokane
Spokane $1,050
Washington $1,264
U.S. $1,424
At $ 1,050, Spokane ’ s average annual premium is 16.9 % lower than the state average and 26.3 % lower than the national average. This already sounds like a good softwood, but depending on your particular circumstances, you may still be able to find cheap car insurance in Spokane by getting custom quotes.
Personalized Quotes to Get You the Cheapest Car Insurance in Spokane
car insurance companies in Spokane will base their quotes on factors like your historic period, driving history, preferred coverage and where you live in the city, among others. These deviate per person and make a huge shock on the final examination pace, so it is best to get quotes to see how each caller will assess your situation .
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The Best Car Insurance Companies in Spokane
MoneyGeek rated indemnity companies in Spokane that offer the best customer service angstrom well as affordability. The clear two companies based on these factors are :
- Hartford: MoneyGeek score of 93 out of 100
- GEICO: MoneyGeek score of 85 out of 100
USAA ranked first with a score of 100 out of 100 as per MoneyGeek ’ sulfur methodology and is the best choice for current and former military members and their families in Spokane. MoneyGeek ranked these car policy companies using several factors, such as insurance company fiscal stability, customer gratification and affordability. We used multiple resources in this study, such as findings by data analytics and consumer intelligence company J. D. Power .
1 USAA score : 100
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability
2 Hartford score : 92.5
4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A+ fiscal constancy
3 GEICO seduce : 85
4/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability
4 Allstate score : 82.5
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability
5 American Family seduce : 80
3/5 Affordability 2/5 Claims Ratings 4/5 User Satisfaction A fiscal stability
6 State Farm score : 80
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability
7 Farmers score : 80
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability
8 Progressive score : 80
3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy
9 Safeco score : 77.5
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability
10 Liberty Mutual score : 77.5
3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy
11 Nationwide sexual conquest : 75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability
Average Cost of Car Insurance by Postal Code
car indemnity companies in Spokane besides base their quotes on which vicinity you live in, as different ZIP codes have differing rates of uninsured motorists, accidents, thefts and more. If you live in ZIP code 99208, your annual premium is $ 25 cheaper on average compared to drivers in ZIP code 99205 .
- Zip Code State Minimumper year
- 99208 $1,037
- 99205 $1,062
Factors That Impact Insurance Costs in Spokane
In addition to person driver needs and history, location-specific factors like the percentage of uninsured motorists and the pace of cable car thefts besides contribute to car insurance rates in Spokane. How Spokane ranks compared to the 300 most populous cities in the United States can have a significant affect on premium costs .
Most Accidents With Fatalities 240th / 300
Most cable car Thefts 205th / 300
Most uninsured Motorists by State 7th / 50
personal Injury Protection Required No
Most annual rain 217th / 300
Most showery Days 112th / 300
Methodology and Assumptions
MoneyGeek ’ second median agio rates for Spokane are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their commemorate. Additional premiums are added based on coverage type, location and drive criminal record.