The Best Car Insurance in Spokane, WA, for 2023
The best car insurance company in Spokane, Washington, balancing affordability, customer satisfaction and financial stability, is State Farm, with a MoneyGeek score of 91 out of 100. However, the best option could depend on your age and coverage needs.
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Overall, State Farm is the best car insurance company in Spokane, Washington. The best insurer does, however, vary depending on your unique profile. MoneyGeek determined top insurers for old and young drivers, those with a driving violation and drivers with a military background. If you are looking for the most affordable coverage, we also have resources for the cheapest car insurance in Spokane.
The Best Car Insurance in Spokane






Best Car Insurance Companies in Spokane: Overall
MoneyGeek considered average rates, customer satisfaction and claims ratings while determining the best auto insurance companies in Spokane. From the findings, the best overall car insurance companies in the city are:
- State Farm: 91 out of 100
- GEICO: 90 out of 100
USAA received a MoneyGeek score of 100 out of 100, making it the top insurer in Spokane. However, its policies are limited to military members and their families, so we excluded it from our overall rankings.
The Top Car Insurance Companies in Spokane

State Farm scores highly for customer satisfaction, claims and affordability. On average, a full coverage auto policy in Spokane with State Farm costs $742 per year. The company offers add-on rideshare insurance.
Rideshare insurance from State Farm keeps an auto policy’s medical payments coverage, emergency roadside assistance and rental car reimbursement active when working for a ridesharing company. State Farm also provides standard add-on coverages, such as roadside assistance that pays for towing, the delivery of gas or oil, a tire change or battery jumpstart.
Read MoneyGeek's State Farm auto Insurance Review
GEICO got a perfect financial stability score and high customer satisfaction score. The insurer has unique add-on coverages, such as mechanical breakdown insurance, and a full coverage policy costs an average of $732 per year in Spokane.
Add-on mechanical breakdown insurance from GEICO offers better coverage — all car systems and parts are covered — at a more affordable cost than a dealer’s extended warranty. It is available for new or leased cars less than 15 months old with less than 15,000 miles. GEICO also offers add-on accident forgiveness that prevents rates from going up due to an at-fault accident.
Read MoneyGeek's GEICO auto Insurance ReviewTo help drivers save on auto insurance, MoneyGeek found the cheapest auto insurance companies in Spokane. You can use the following resources to find more information about car insurance in Washington.
Best Cheap Car Insurance for Minimum Coverage in Spokane
MoneyGeek determined the best insurers for minimum coverage car insurance in Spokane, which meets the Washington state minimum coverage requirements.
Based on our analysis, the best auto insurance companies in Spokane for minimum coverage are:
- State Farm: 91 out of 100
- GEICO: 90 out of 100
We determined these scores by analyzing drivers with different backgrounds, including seniors, young drivers and those with traffic violations.
MoneyGeek’s Pick: State Farm

pros
Minimum coverage car insurance costs roughly $364 per year
Offers various discounts, including bundling, defensive driving and new vehicle
MoneyGeek customer satisfaction score of 4 out of 5
MoneyGeek claims score of 4 out of 5
cons
No discounts for going paperless or paying in full
COMPANY HIGHLIGHTS
State Farm offers various common discounts to policyholders. You could get a bundling discount for having car insurance alongside renters, home, condo or life insurance. You also save on your premium by having more than one car on an auto policy. Being a long-term safe driver also results in policy savings.
State Farm also provides several unique discounts. New vehicle discounts medical payments coverage on cars made in 1994 or later, while installing an anti-theft system equals saving on auto insurance, as does having a car with airbags.
Best Car Insurance for Young Drivers in Spokane
MoneyGeek ranked car insurance companies across different coverage levels and driving records for 18-year-old drivers to help young drivers find the best car insurance in Spokane.
According to our data, the top-rated car insurance providers for young drivers in Spokane are:
- State Farm: 93 out of 100
- GEICO: 93 out of 100
Car insurance for young drivers and student auto insurance tend to cost more due to their lack of experience.
MoneyGeek’s Pick: State Farm

pros
Safe young drivers pay around $2,135 per year for full coverage
Provides distant student, good student and driver’s education discounts
MoneyGeek claims score of 4 out of 5
MoneyGeek customer satisfaction score of 4 out of 5
cons
No accident forgiveness coverage
COMPANY HIGHLIGHTS
Adding a young driver to your policy may be pricey, but State Farm offers the best combination of customer service and affordability in Spokane. It’s essential to select a company that offers great service to new drivers, just in case they need assistance with a claim.
State Farm provides various discounts that suit young drivers and students. For example, students under 25 years of age who live away from home but leave their car at home get a distant student discount, while those under 21 can save by completing an approved driver’s education course. Also, students who earn a B average, 3.0 GPA or are in the top 20% of their class qualify for a good student discount.
State Farm also offers roadside assistance that covers towing, lockouts, flat tire changes and more, which is great for young drivers to feel secure knowing they have help when in need.
Best Car Insurance for Senior Drivers in Spokane
MoneyGeek determined the top car insurance companies in Spokane for senior drivers across different coverage levels and driving histories for 70-year-old drivers.
Based on the rankings, the best car insurance companies for seniors in Spokane are:
- GEICO: 93 out of 100
- State Farm: 93 out of 100
Typically, car insurance policies cost more for seniors than middle-aged drivers.
MoneyGeek’s Pick: GEICO

pros
A full coverage policy for a good senior driver costs around $681 per year
Provides senior, defensive driving course and safe driving discounts
MoneyGeek customer satisfaction rating of 4 out of 5
cons
MoneyGeek claims rating of 3.5 out of 5
COMPANY HIGHLIGHTS
Although car insurance policies are the same for seniors and other drivers, some insurers charge seniors a higher premium. GEICO provides the best coverage and discounts for senior drivers in Spokane. For example, seniors can get a discount for completing a defensive driving course or for simply being over 50. Additionally, if they remain accident-free for five years, they save on auto insurance with GEICO.
Senior policyholders may also purchase some common additional coverage options like roadside assistance and rental car/travel reimbursement coverage, which reimburses travel and rental car expenses to a preset amount.
GEICO also provides mechanical breakdown insurance, a rarer coverage, which offers better protection than a dealer’s extended warranty but costs less.
Best Car Insurance With a Driving Violation in Spokane
MoneyGeek found the best car insurance companies in Spokane for drivers with at-fault accidents across different coverage amounts and ages.
Based on our research, the top-rated companies in Spokane with an at-fault accident violation are:
- State Farm: 93 out of 100
- GEICO: 92 out of 100
Spokane drivers pay more for car insurance with a bad driving record since they are considered high-risk by insurance companies.
MoneyGeek’s Pick: State Farm

pros
Affordable full coverage car insurance for a 40-year-old driver with an at-fault accident on their record costs about $875 per year
MoneyGeek customer satisfaction rating of 4 out of 5
MoneyGeek claims rating of 4 out of 5
Provides seven out of the nine common discounts
cons
No accident forgiveness, better or new car replacement add-on coverages
COMPANY HIGHLIGHTS
If you have an at-fault accident or another traffic violation, you can benefit from an insurer that provides affordable coverage, quality service and several perks that can help lower your premium. State Farm is the best choice for high-risk drivers in Spokane, although it does not offer accident forgiveness, better car replacement or new car replacement add-on coverage options that may suit drivers after an accident.
State Farm, however, provides seven out of nine common discounts, including multiple car, airbag, anti-theft system and bundling. They can help lower auto insurance costs even with an accident on record.
Best Car Insurance With a Military Background in Spokane
USAA ranked as the best auto insurance provider for eligible military members in Spokane. The insurer balances affordable rates with customer satisfaction; its policies are not available to non-military personnel and their families.
USAA earned a MoneyGeek score of 100 out of 100, derived from comparing quotes across different coverage levels and driving records, including younger and older drivers, plus those with traffic violations.
MoneyGeek’s Pick: USAA
pros
Affordable full coverage car insurance for a 40-year-old driver costs roughly $559 per year
Offers five of the most common discounts, such as defensive driving, bundling and multiple car
MoneyGeek customer satisfaction rating of 5 out of 5
MoneyGeek claims rating of 5 out of 5
cons
Limited to active and retired military members and their families
Only provides three of the seven common add-on coverage options; missing gap insurance, for example
COMPANY HIGHLIGHTS
USAA provides the best insurance for active or retired military members in Spokane, giving them great customer service and consistently affordable rates.
The insurer has add-on accident forgiveness, roadside assistance, rideshare insurance and rental car and/or travel reimbursement add-on coverages available. However, it does not offer other additional coverages like new or better car replacement coverage or gap insurance.
But, USAA policyholders may qualify for five of nine common discounts to save on their auto insurance. Options include bundling multiple policies, insuring more than one car and safe driving. Two rare, military-focused discounts USAA offers are garaging a car on base and insuring a stored vehicle, which can discount a policy up to 60%.
Methodology
MoneyGeek scored car insurance providers in Spokane based on average quotes and data collected from industry leaders: AM Best, J.D. Power and the National Association of Insurance Commissioners (NAIC).
To establish the best insurer across different driving backgrounds, MoneyGeek utilized a ranking system with each category featuring a maximum of five points and the overall score determined out of 100 points. The weightings for each category were as listed below:
- Affordability (70%): MoneyGeek compared average rates from insurance providers in Spokane and ranked them based on the policy costs. The cheapest provider could earn the highest score of five.
- Financial stability (10%): MoneyGeek determined the ability of each insurer to fulfill its financial obligations during an economic crisis using AM Best scores.
- Customer satisfaction and claims satisfaction (20%): MoneyGeek analyzed J.D. Power's customer satisfaction surveys to determine insurance companies’ customer service and claims ratings. Each of the two categories weighted 10%.
To determine the overall affordability rating of the insurers across different profiles, MoneyGeek considered various factors, including the coverage amount, driving record and age of the driver. For example, average rates for young drivers were obtained using an 18-year-old male driver with a clean driving record.
The full coverage policy limits included:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
Our methodology contains more information about the data collection, comparison and ranking process.
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