The story is narrated in the first person by Frank Chambers, a young drifter who stops at a rural California diner for a meal and ends up working there. The diner is operated by a beautiful young woman, Cora, and her much older husband, Nick Papadakis, sometimes called "the Greek".
Frank and Cora feel an immediate attraction to each other and begin a passionate affair with sadomasochistic qualities (when they first embrace, Cora commands Frank to bite her lip, and Frank does so hard enough to draw blood).
Cora is tired of her situation, married to a man she does not love and working at a diner that she wants to own and improve. Frank and Cora scheme to murder the Greek in order to start a new life together without Cora losing the diner.
They plan on striking Nick's head and making it seem he fell and drowned in the bathtub. Cora fells Nick with a solid blow, but a sudden power outage and the appearance of a policeman make the scheme fail. Nick recovers and because of retrograde amnesia does not suspect that he narrowly avoided being killed.
Determined to kill Nick, Frank and Cora fake a car accident. They ply Nick with wine, strike him on the head, and crash the car. Frank and Cora are injured. The local prosecutor suspects what has actually occurred but does not have enough evidence to prove it. As a tactic intended to get Cora and Frank to turn on each other, he charges only Cora with the crime of Nick's murder, coercing Frank to sign a complaint against her.
Cora, furious and indignant, insists on offering a full confession detailing both their roles. Her lawyer tricks her into dictating that confession to a member of his own staff. Cora, believing her confession made, returns to prison. Though Cora would be sure to learn of the trickery, a few valuable hours are gained. The lawyer uses the time to manipulate those financially interested in the trial to have their private detective recant his testimony, which was the final remaining weapon in the prosecution's arsenal. The state is forced to grant Cora a plea agreement under which she is given a suspended sentence and no jail time.
Frank and Cora patch things up and plan a happy future and a family. Then Cora is killed in a car crash while Frank is driving. The book ends with Frank, from death row, summarizing the events that followed, explaining that he was wrongly convicted of having murdered Cora. The text, he hopes, will be published after his execution.
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