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Cheap Car Insurance in Spokane, Washington (With 2024 Rates)

Lowest Premium

$327 / YEAR

Average Premium

$526 / YEAR

Highest Premium

$652 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Spokane is around $526 and can go upto $652. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

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Car Insurance Rates in Spokane by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Spokane. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

Scroll inside this box to view all zip codes

ZipAvg. Premium
99201$537
99202$510
99203$508
99204$539
99205$542
99206$500
99207$538
99208$523
99212$493
99213$494
99215$503
99216$513
99217$517
99218$529
99223$497
99224$509

Insurance Agents in Spokane, WA and Near by

  • 0 mi
    David Shoults
    601 W Maxwell Ave Ste 2, Spokane, WA 99201
    (855) 299-3800
  • 0 mi
    Huston & Associates
    601 W Maxwell Ave Ste 2, Spokane, WA 99201
    (509) 328-0441
  • 0 mi
    GVI Corporation
    1320 N Atlantic St, Spokane, WA 99201
    (509) 328-5800
  • 0 mi
    Wheat & Associates Insurance
    1306 N Post St, Spokane, WA 99201
    (509) 922-2937
  • 0 mi
    Western Insurance Associates
    1212 N Washington St Ste 20, Spokane, WA 99201
    (509) 279-0999
  • 0 mi
    Finders Insurance Group
    910 W Boone Ave Ste 1, Spokane, WA 99201
    (509) 466-9611
  • 0 mi
    Chuck Bullock III
    1008 N Washington St, Spokane, WA 99201
    (509) 723-6808
  • 0 mi
    Brandon Cannon
    1718 W Broadway Ave Ste B, Spokane, WA 99201
    (509) 241-3656
  • 0 mi
    Homestreet Insurance
    201 W North River Dr Ste 600, Spokane, WA 99201
    (800) 569-5678
  • 0 mi
    Wells Fargo Insurance Services USA
    601 W Main Ave Ste 1400, Spokane, WA 99201
    (509) 358-3800
  • 0 mi
    Matthew Benjamin
    239 W Main Ave Ste 100, Spokane, WA 99201
    (509) 263-9125
  • 0 mi
    Moloney & O'Neill
    818 W Riverside Ave Ste 800, Spokane, WA 99201
    (509) 325-3024
  • 0 mi
    Andre Romberg Insurance Agency
    818 W Riverside Ave Ste 800, Spokane, WA 99201
    (509) 624-3291
  • 0 mi
    BK-JET Insurance
    999 W Riverside Ave Ste 510, Spokane, WA 99201
    (509) 319-2901
  • 0 mi
    Serenity Insurance
    930 W 2nd Ave, Spokane, WA 99201
    (877) 215-4610
  • 0 mi
    Shea Insurance Agency
    310 S Cedar St, Spokane, WA 99201
    (509) 838-2759
  • 0 mi
    Jim Gyarfas
    1500 W 4th Ave Ste 406, Spokane, WA 99201
    (509) 747-3066
  • 1.25 mi
    Bedard & Associates
    819 W 7th Ave, Spokane, WA 99204
    (509) 327-1171
  • 1.25 mi
    HUB International Insurance
    501 S Bernard St Ste 201, Spokane, WA 99204
    (509) 747-3121
  • 10.61 mi
    Osprey Agency
    16201 E Indiana Ave Ste 1850, Spokane, WA 99216
    (800) 214-1044
  • 10.61 mi
    Liberty Mutual Agency
    16201 E Indiana Ave Ste 2280, Spokane, WA 99216
    (509) 927-4655
  • 10.61 mi
    Chris Regel
    16114 E Indiana Ave Ste 100, Spokane, WA 99216
    (509) 928-0560
  • 10.61 mi
    Gary Burchill
    420 N Evergreen Rd Ste 520, Spokane, WA 99216
    (509) 924-7447
  • 10.61 mi
    Krina Mallgren
    13817 E Sprague Ave Ste 8, Spokane, WA 99216
    (509) 822-7722
  • 10.61 mi
    Vern Fonk Insurance Services
    13817 E Sprague Ave Ste 6, Spokane, WA 99216
    (509) 219-7003
  • 10.61 mi
    Simmons - Fred Becker Agency
    12817 E Sprague Ave Ste 105, Spokane, WA 99216
    (509) 927-6716
  • 10.61 mi
    Basin Pacific
    12904 E Nora Ave Unit D, Spokane, WA 99216
    (509) 241-1073
  • 10.61 mi
    Finders Insurance Group
    12801 E Sprague Ave Ste B, Spokane, WA 99216
    (509) 927-8182
  • 10.61 mi
    Mark Robbins
    12810 E Nora Ave Ste B, Spokane, WA 99216
    (509) 928-8535
  • 10.61 mi
    Ken Fightmaster
    12720 E Nora Ave Ste H, Spokane, WA 99216
    (509) 535-5466
  • 10.61 mi
    Shawn McGuire
    12623 E Sprague Ave Ste 2, Spokane, WA 99216
    (509) 891-2772
  • 10.61 mi
    ABC Insurance
    12510 E Sprague Ave Ste 6, Spokane, WA 99216
    (509) 891-1515
  • 10.61 mi
    Inland Northwest Insurance
    12319 E Broadway Ave, Spokane, WA 99216
    (509) 892-6373
  • 2.39 mi
    John Beasley
    820 W Francis Ave, Spokane, WA 99205
    (509) 315-8769
  • 2.39 mi
    Wilson Insurance Agency
    507 W Francis Ave, Spokane, WA 99205
    (509) 284-4102
  • 2.39 mi
    Jeremiah Sargent
    1717 W Francis Ave Ste 206, Spokane, WA 99205
    (509) 326-0292
  • 2.39 mi
    Greg Mandick
    1902 W Francis Ave Ste 113, Spokane, WA 99205
    (509) 326-2065
  • 2.39 mi
    Nathaniel Leach
    5521 N Alberta St, Spokane, WA 99205
    (509) 724-2699
  • 2.39 mi
    Richard Debenedetto
    4711 N Maple St, Spokane, WA 99205
    (509) 328-5511
  • 2.39 mi
    Robert Schmit
    4711 N Maple St, Spokane, WA 99205
    (509) 464-2948
  • 2.39 mi
    Kathie Doyle-Lipe
    4704 N Maple St, Spokane, WA 99205
    (509) 327-4407
  • 2.39 mi
    Victoria Dalebout
    4402 N Wall St Ste A, Spokane, WA 99205
    (509) 327-1515
  • 2.39 mi
    Accurate Insurance
    909 W Garland Ave, Spokane, WA 99205
    (509) 456-8993
  • 2.39 mi
    Rich Cerenzia
    1520 W Garland Ave Ste C, Spokane, WA 99205
    (509) 326-3069
  • 2.39 mi
    Farwest Insurance Agencies
    1423 W Garland Ave, Spokane, WA 99205
    (509) 326-7060
  • 2.39 mi
    Justin Fabio
    1717 W Garland Ave Ste A, Spokane, WA 99205
    (509) 703-7057
  • 2.39 mi
    Heath Kays
    1908 W Northwest Blvd Ste C, Spokane, WA 99205
    (509) 822-6899
  • 2.39 mi
    Farmin Rothrock & Parrott
    2110 N Washington St, Spokane, WA 99205
    (509) 323-3232
  • 2.39 mi
    Chad Dudley
    711 W Indiana Ave Ste 102, Spokane, WA 99205
    (509) 325-7508
  • 2.39 mi
    Damien Ramirez
    711 W Indiana Ave Ste 102, Spokane, WA 99205
    (509) 325-3986
  • 2.39 mi
    Northwest Insurance Services
    312 W Nora Ave, Spokane, WA 99205
    (509) 590-1529
  • 2.39 mi
    Rod Russell
    1623 W Nora Ave, Spokane, WA 99205
    (509) 328-2962
  • 2.68 mi
    Mark's U Save Insurance
    901 E Boone Ave, Spokane, WA 99202
    (509) 489-9250
  • 2.68 mi
    PayneWest Insurance
    501 N Riverpoint Blvd Ste 403, Spokane, WA 99202
    (509) 838-3501
  • 2.68 mi
    Boyd Insurance Brokerage
    103 E Sprague Ave, Spokane, WA 99202
    (509) 340-2693
  • 2.68 mi
    Scott Jensen
    202 E Pacific Ave, Spokane, WA 99202
    (509) 228-9125
  • 2.68 mi
    Everett Smith
    202 E Pacific Ave, Spokane, WA 99202
    (509) 444-8814
  • 2.68 mi
    John Kapelac
    202 E Pacific Ave, Spokane, WA 99202
    (509) 724-0000
  • 2.68 mi
    All Lines Insurance Inc
    616 E 3rd Ave, Spokane, WA 99202
    (509) 624-5110
  • 2.68 mi
    AAA Insurance
    1314 S Grand Blvd Ste 1, Spokane, WA 99202
    (509) 358-6900
  • 2.68 mi
    David Boley
    802 E 5th Ave, Spokane, WA 99202
    (509) 924-7959
  • 2.68 mi
    The Insurance Guys
    1204 E Sprague Ave, Spokane, WA 99202
    (509) 532-0388
  • 2.68 mi
    Lucas N. Ashe
    104 S Freya St Ste 308, Spokane, WA 99202
    (509) 443-5780
  • 2.78 mi
    Jack Praxel
    1507 S Grand Blvd, Spokane, WA 99203
    (509) 624-7073
  • 2.78 mi
    Andrew Cline
    3009 S Grand Blvd Ste B2, Spokane, WA 99203
    (509) 534-3648
  • 2.89 mi
    Alpine Insurance
    59 E Queen Ave Ste 112, Spokane, WA 99207
    (509) 325-7350
  • 2.89 mi
    Buck & Affiliates Insurance
    207 E Queen Ave, Spokane, WA 99207
    (509) 484-6441
  • 2.89 mi
    Save More Insurance
    38 E Wellesley Ave, Spokane, WA 99207
    (509) 489-2550
  • 2.89 mi
    Twyla Bonnell
    4423 N Division St Ste 4, Spokane, WA 99207
    (509) 468-1252
  • 2.89 mi
    Kerner Insurance
    4407 N Division St Ste 105, Spokane, WA 99207
    (509) 464-0023
  • 2.89 mi
    Kit Brennick
    4407 N Division St Ste 610, Spokane, WA 99207
    (509) 483-5540
  • 2.89 mi
    Michael Helring
    4407 N Division St Ste 507, Spokane, WA 99207
    (509) 462-9277
  • 2.89 mi
    Jim McNary
    905 E Wellesley Ave, Spokane, WA 99207
    (509) 489-9540
  • 2.89 mi
    Eli Coski
    3203 N Division St, Spokane, WA 99207
    (509) 279-2726
  • 2.89 mi
    Greg Schlagel
    2118 N Ruby St Ste D, Spokane, WA 99207
    (509) 822-3605
  • 2.89 mi
    Yvette Frederick
    1521 E Illinois Ave Ste 100, Spokane, WA 99207
    (509) 999-6796
  • 4.79 mi
    AAG Insurance - Spokane
    10408 W State Rt 2 Ste 1, Spokane, WA 99224
    (509) 412-3536
  • 4.79 mi
    Tammy Rigsby
    10414 W Sunset Hwy Ste 5, Spokane, WA 99224
    (509) 835-5433
  • 4.79 mi
    Ashley Torres
    4200 S Cheney Spokane Rd Ste 3, Spokane, WA 99224
    (509) 217-6054
  • 4.79 mi
    MetLife Auto & Home - Spokane
    4200 S Cheney Spokane Rd, Spokane, WA 99224
    (509) 747-2531
  • 5.91 mi
    Blasingame Insurance
    200 N Argonne Rd, Spokane, WA 99212
    (509) 891-1000
  • 5.91 mi
    Stintzi Insurance Financial Services
    221 N Argonne Rd, Spokane, WA 99212
    (509) 922-4618
  • 5.91 mi
    Hoover Insurance
    708 N Argonne Rd Ste 1, Spokane, WA 99212
    (509) 922-8950
  • 5.91 mi
    Stevens Insurance Agency
    417 N Argonne Rd, Spokane, WA 99212
    (509) 891-6760
  • 5.91 mi
    Patrick Gray
    920 N Argonne Rd Ste 132, Spokane, WA 99212
    (509) 926-0082
  • 5.91 mi
    Ryan Mewhinney
    511 N Argonne Rd Ste 200, Spokane, WA 99212
    (509) 924-1860
  • 5.91 mi
    MetLife Auto & Home - Argonne
    920 N Argonne Rd, Spokane, WA 99212
    (509) 926-5010
  • 5.91 mi
    Kuespert Insurance - Argonne Insurance
    1510 N Argonne Rd Ste H, Spokane, WA 99212
    (509) 921-6809
  • 5.91 mi
    Inland Insurance
    9016 E Indiana Ave, Spokane, WA 99212
    (509) 456-2648
  • 5.91 mi
    Joan Collins
    2804 N Argonne Rd, Spokane, WA 99212
    (509) 926-0277
  • 5.91 mi
    Nancy Yohe
    2817 N Argonne Rd, Spokane, WA 99212
    (509) 926-3733
  • 5.91 mi
    Brightway Insurance - Sarwar Agency
    2901 N Argonne Rd Ste 3, Spokane, WA 99212
    (509) 795-5270
  • 5.91 mi
    American Insurance Mart
    2923 N Argonne Rd, Spokane, WA 99212
    (509) 326-9108
  • 5.91 mi
    Bedard & Associates
    2923 N Argonne Rd, Spokane, WA 99212
    (509) 928-2818
  • 5.91 mi
    Jeri Mainer
    3007 N Argonne Rd, Spokane, WA 99212
    (509) 926-3600
  • 5.91 mi
    Associated Agents Group
    7816 E Broadway Ave, Spokane, WA 99212
    (509) 928-7528
  • 5.91 mi
    Matthew Graupner
    5813 E 4th Ave Ste 102, Spokane, WA 99212
    (509) 232-8085
  • 5.91 mi
    Save More Insurance
    4823 E Sprague Ave Ste B, Spokane, WA 99212
    (509) 928-8928
  • 6.51 mi
    Chris Cutler
    2525 E 29th Ave Ste 1a, Spokane, WA 99223
    (509) 413-1484
  • 6.51 mi
    Daniel Oehl
    3009 S Mount Vernon St Ste 3, Spokane, WA 99223
    (509) 927-4300
  • 6.51 mi
    Steve Williams
    2812 E 30th Ave, Spokane, WA 99223
    (509) 747-2732
  • 6.51 mi
    Kraft Insurance
    3021 S Regal St Ste 103, Spokane, WA 99223
    (509) 343-5555
  • 6.51 mi
    Adrian Darrington
    3021 S Regal St Ste 102, Spokane, WA 99223
    (509) 535-3033
  • 6.51 mi
    Gary Deguire
    3021 S Regal St Ste 102, Spokane, WA 99223
    (509) 535-3171
  • 6.51 mi
    John Klaus
    3021 S Regal St Ste 102a, Spokane, WA 99223
    (509) 981-6693
  • 6.51 mi
    Stonebraker McQuary Insurance
    1401 E 57th Ave, Spokane, WA 99223
    (509) 755-4500
  • 6.51 mi
    Darren Young
    2308 E 57th Ave # 2, Spokane, WA 99223
    (509) 624-7890
  • 6.51 mi
    Sam Higgins
    3007 E 57th Ave Ste 4, Spokane, WA 99223
    (509) 535-1357
  • 6.51 mi
    Tom Porter Insurance
    5915 S Regal St Ste 215, Spokane, WA 99223
    (509) 534-8800
  • 6.81 mi
    Blake Jordan
    8701 N Division St Ste H, Spokane, WA 99218
    (509) 483-4580
  • 6.81 mi
    Allen Livingston
    9221 N Division St Ste G, Spokane, WA 99218
    (509) 242-7273
  • 6.81 mi
    Ryan Matthew Yohe
    9221 N Division St Ste G, Spokane, WA 99218
    (509) 891-5958
  • 6.81 mi
    Frederick Seidel
    9221 N Division St Ste E, Spokane, WA 99218
    (509) 467-0123
  • 6.81 mi
    Mark Heidinger Insurance Agency, Inc
    9221 N Division St Ste A, Spokane, WA 99218
    (509) 467-6659
  • 6.81 mi
    Fred Boutz
    9222 N Newport Hwy Ste D1, Spokane, WA 99218
    (509) 468-8351
  • 6.81 mi
    Mike Boutz
    9222 N Newport Hwy, Spokane, WA 99218
    (509) 468-8351
  • 6.81 mi
    D Kent Burns
    9507 N Division St Ste J, Spokane, WA 99218
    (509) 467-4413
  • 6.81 mi
    William Ferguson
    9507 N Division St Ste J, Spokane, WA 99218
    (509) 467-5127
  • 6.81 mi
    Anthony Baker & Burns
    10103 N Division St Ste 102, Spokane, WA 99218
    (509) 468-9991
  • 6.81 mi
    Guido Spada
    9992 N Newport Hwy, Spokane, WA 99218
    (509) 465-1606
  • 6.81 mi
    Shari Wilhelm
    10220 N Nevada St Ste 235, Spokane, WA 99218
    (509) 466-7980
  • 6.81 mi
    Charlie Flager
    12204 N Division St Ste 1a, Spokane, WA 99218
    (509) 465-5565
  • 6.81 mi
    Best Insurance Advisors
    12128 N Division St Ste 205, Spokane, WA 99218
    (509) 593-0107
  • 6.81 mi
    Charles T. Fletcher
    421 W Hastings Rd, Spokane, WA 99218
    (509) 324-6311
  • 8.19 mi
    Black & Associates Insurance
    7407 N Division St Ste D, Spokane, WA 99208
    (509) 368-7084
  • 8.19 mi
    AAA Insurance
    7307 N Division St Ste 103, Spokane, WA 99208
    (509) 358-7050
  • 8.19 mi
    Greg Fosse
    7307 N Division St Ste 301, Spokane, WA 99208
    (509) 467-4600
  • 8.19 mi
    Kathy Knechtges
    7307 N Division St Ste 301, Spokane, WA 99208
    (509) 468-8383
  • 8.19 mi
    Todd Ekstrom
    8607 N Division St Ste A, Spokane, WA 99208
    (509) 467-6520
  • 8.19 mi
    MetLife Auto & Home
    1028 W Rosewood Ave, Spokane, WA 99208
    (509) 465-9700
  • 8.19 mi
    All Lines Insurance
    6404 N Monroe St, Spokane, WA 99208
    (509) 327-1658
  • 8.19 mi
    Bell-Anderson Agency
    6519 N Maple St Ste B, Spokane, WA 99208
    (509) 465-1133
  • 8.19 mi
    Kassa Insurance Services
    6607 N Ash St Ste 200, Spokane, WA 99208
    (509) 465-4492
  • 8.19 mi
    Trish Nicholls
    6321 N Maple St, Spokane, WA 99208
    (509) 325-9388
  • 8.19 mi
    Dan Hoffman Insurance
    6105 N Astor St, Spokane, WA 99208
    (509) 482-2994
  • 8.19 mi
    North Town Insurance
    5727 N Division St, Spokane, WA 99208
    (509) 483-3030
  • 8.19 mi
    Pacific Crest Insurance
    5901 N Lidgerwood St Ste 18, Spokane, WA 99208
    (509) 443-5416
  • 8.19 mi
    Terry Edwards
    5719 N Division St, Spokane, WA 99208
    (509) 489-4431
  • 8.19 mi
    MetLife Auto & Home - M Martin
    8424 N Nevada St, Spokane, WA 99208
    (509) 242-2196
  • 8.19 mi
    William Jorgensen
    6416 N Nevada St, Spokane, WA 99208
    (509) 919-3862
  • 8.75 mi
    Tim Lane
    1014 N Pines Rd Ste 101, Spokane, WA 99206
    (509) 926-5135
  • 8.75 mi
    Jason Tate
    404 N Pines Rd Ste A, Spokane, WA 99206
    (509) 922-1004
  • 8.75 mi
    Century Insurance Agency
    1406 N Pines Rd, Spokane, WA 99206
    (509) 924-4424
  • 8.75 mi
    Doty & Giles Insurance
    1213 N Pines Rd, Spokane, WA 99206
    (509) 924-7755
  • 8.75 mi
    Starr & Brown
    219 N Pines Rd, Spokane, WA 99206
    (509) 928-2121
  • 8.75 mi
    Jeffrey Morgan
    1507 N Pines Rd, Spokane, WA 99206
    (509) 924-4704
  • 8.75 mi
    State Farm Insurance Spokane - Dave Christy
    12120 E Mission Ave Ste 1, Spokane, WA 99206
    (509) 926-1345
  • 8.75 mi
    Capital Insurance
    1112 S Pines Rd, Spokane, WA 99206
    (509) 324-1398
  • 8.75 mi
    Christopher Fulkerson
    2406 S Dishman Mica Rd Ste 4, Spokane, WA 99206
    (509) 926-2844
  • 8.75 mi
    Northwest Insurance Brokers
    100 N Mullan Rd Ste 101, Spokane, WA 99206
    (509) 893-8782
  • 8.75 mi
    Americus Insurance
    9120 E Sprague Ave, Spokane, WA 99206
    (509) 703-7500
  • 8.75 mi
    Dan Evans
    502 N Mullan Rd Ste A, Spokane, WA 99206
    (509) 892-0601
  • 8.75 mi
    Michael Savage
    502 N Mullan Rd Ste A, Spokane, WA 99206
    (509) 808-2048
  • 8.75 mi
    Taylor Caldwell
    502 N Mullan Rd Ste A, Spokane, WA 99206
    (509) 444-8819
  • 8.75 mi
    Patrick Foster
    626 N Mullan Rd Ste 11, Spokane, WA 99206
    (509) 928-5626
  • 8.75 mi
    Naomi Kahn
    9119 E Boone Ave Ste A, Spokane, WA 99206
    (509) 489-1200
  • 8.75 mi
    Richard Splichal
    9119 E Boone Ave, Spokane, WA 99206
    (509) 921-8966
  • 8.75 mi
    Alex Soderquist
    1420 N Mullan Rd Ste 210, Spokane, WA 99206
    (509) 444-8816
  • 8.75 mi
    Bruce Van Cott
    1420 N Mullan Rd Ste 210, Spokane, WA 99206
    (509) 444-8815
  • 8.75 mi
    Cameron Rasmussen
    1420 N Mullan Rd Ste 210, Spokane, WA 99206
    (509) 444-8817
  • 8.75 mi
    David Walker
    1420 N Mullan Rd Ste 210, Spokane, WA 99206
    (509) 444-8818
  • 8.75 mi
    Jared Shippey
    1420 N Mullan Rd Ste 210, Spokane, WA 99206
    (509) 444-8820
  • 8.75 mi
    Jeff Pyle
    1420 N Mullan Rd Ste 210, Spokane, WA 99206
    (509) 863-0798
  • 8.75 mi
    Kelly Bass
    1420 N Mullan Rd Ste 210, Spokane, WA 99206
    (509) 444-8821
  • 8.75 mi
    Ryan Moran
    1420 N Mullan Rd Ste 210, Spokane, WA 99206
    (509) 863-0793
  • 8.75 mi
    Shelton Hansen
    1420 N Mullan Rd Ste 210, Spokane, WA 99206
    (509) 444-8822
  • 8.75 mi
    Tim Kilroy
    1420 N Mullan Rd Ste 210, Spokane, WA 99206
    (509) 608-5206
  • 8.75 mi
    Greg Schlagel
    1300 N Mullan Rd # 1310a, Spokane, WA 99206
    (509) 922-2098
  • 8.75 mi
    Brad Hovde
    9209 E Mission Ave Ste E, Spokane, WA 99206
    (509) 467-4629
  • 8.75 mi
    Rainwater Insurance
    9213 E Mission Ave, Spokane, WA 99206
    (509) 924-6211
  • 8.75 mi
    All Lines Insurance Agency
    9203 E Trent Ave, Spokane, WA 99206
    (509) 928-1111
  • 9.9 mi
    URM Insurance Agency
    7511 N Freya St, Spokane, WA 99217
    (509) 467-3604
  • 9.9 mi
    Paul Hamilton
    5101 N Market St Ste A, Spokane, WA 99217
    (509) 489-2697
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Learn More About Car Insurance in Spokane, WA

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.

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