In Spokane, PEMCO and Capital Insurance Group stand out as the most affordable car insurance providers. Rates can change depending on your driving history and the type of coverage you choose. The table below shows which company offers the best rates for different driver profiles and coverage needs.
Cheapest Car Insurance in Spokane, WA
Updated: March 31, 2025
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Key Takeaways
The five cheapest car insurance companies in Spokane are PEMCO, State Farm, Auto-Owners, Progressive and Chubb.
The lowest car insurance rates in Spokane are $13 per month for minimum coverage and $46 per month for full coverage.
On average, car insurance costs $50 per month for minimum coverage and $101 per month for full coverage.
Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the Washington Department of Insurance and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in Spokane
| PEMCO | Minimum Coverage | $13 |
| PEMCO | Full Coverage | $46 |
| Kemper | Teens | $129 |
| PEMCO | Young Adults | $16 |
| PEMCO | Senior Drivers | $14 |
| PEMCO | Drivers With Bad Credit | $13 |
| PEMCO | Drivers With a Speeding Ticket | $16 |
| PEMCO | Drivers With a DUI | $23 |
| PEMCO | Drivers With an Accident | $18 |
| PEMCO | Military Affiliated Drivers | $13 |
Cheapest Car Insurance Coverage in Spokane
When seeking the cheapest car insurance in Spokane, compare rates from various providers. Key cost factors include age, driving history, vehicle type,and coverage needs. Remember, the cheapest car insurance in Washington may differ from Spokane's rates. Comparing car insurance quotes is a smart way to find affordable coverage tailored to your needs.
Cheapest Minimum Coverage Car Insurance in Spokane
PEMCO offers the cheapest state minimum coverage at $13 per month, followed by State Farm at $29. Check the table below for more options on affordable minimum coverage in Spokane.
| PEMCO | $13 | $37 |
| State Farm | $29 | $21 |
| Auto-Owners Insurance Co | $36 | $14 |
| Progressive | $39 | $11 |
| Chubb | $41 | $9 |
| Travelers | $45 | $5 |
| Farmers | $45 | $5 |
| Nationwide | $46 | $4 |
| GEICO | $48 | $2 |
| American Family | $49 | $1 |
Cheapest Full Coverage Car Insurance in Spokane
PEMCO offers the cheapest full coverage car insurance in Spokane at $556 per year. Check the table below to compare rates from different providers offering the best deals in the area.
| PEMCO | $46 | $55 |
| Kemper | $63 | $38 |
| Progressive | $66 | $36 |
| State Farm | $68 | $33 |
| American Family | $80 | $22 |
| Farmers | $85 | $17 |
| Allstate | $89 | $12 |
| Nationwide | $91 | $10 |
| Travelers | $94 | $7 |
| GEICO | $94 | $7 |
| Auto-Owners Insurance Co | $95 | $6 |
Cheapest Car Insurance in Spokane by Age
In Spokane, car insurance rates change with age. Young drivers pay more because they're new on the road. Over time, these costs usually drop, but can climb after 70. Below, find affordable options for teens, young adults and seniors.
Cheapest Car Insurance in Spokane for Teens
If you're in Spokane, Capital Insurance Group and Kemper offer the cheapest car insurance for teens. Check the table below to see the lowest rates for your age group in the city.
| Kemper | $129 | $57 | $190 | $126 |
| Capital Insurance Group | $143 | $42 | $167 | $148 |
Cheapest Car Insurance in Spokane for Young Adults
The most affordable car insurance for young adults in Spokane is from PEMCO. At $194 per year, it's 75% less than the city average. Other affordable options include State Farm ($459/year), Progressive ($544/year) and American Family ($605/year).
| PEMCO | $16 | $49 |
| State Farm | $38 | $27 |
| Progressive | $45 | $20 |
| American Family | $50 | $15 |
| Travelers | $52 | $13 |
| Auto-Owners Insurance Co | $52 | $13 |
| Farmers | $54 | $11 |
| Chubb | $56 | $9 |
| Allstate | $59 | $6 |
| GEICO | $63 | $3 |
Cheapest Car Insurance in Spokane for Seniors
PEMCO offers the cheapest car insurance for seniors in Spokane, with an annual rate of $169. Check the table below to explore options from other providers and find the best rates for senior drivers.
| PEMCO | $14 | $39 |
| State Farm | $28 | $25 |
| Auto-Owners Insurance Co | $33 | $20 |
| Chubb | $35 | $18 |
| Progressive | $43 | $10 |
| Travelers | $46 | $7 |
| Farmers | $48 | $5 |
| Nationwide | $49 | $4 |
| Kemper | $50 | $3 |
| American Family | $52 | $0 |
Cheapest Car Insurance in Spokane for Drivers With Bad Credit
A low credit-based insurance score may lead to higher premiums compared to those with good scores. For affordable options, PEMCO offers cheap car insurance for drivers with bad credit with rates around $157, while State Farm is at $367. Review the table below for more options from other providers.
| PEMCO | $13 | $40 |
| State Farm | $31 | $22 |
| Auto-Owners Insurance Co | $36 | $17 |
| Progressive | $40 | $13 |
| Chubb | $41 | $12 |
| Travelers | $45 | $8 |
| Farmers | $46 | $7 |
| GEICO | $48 | $5 |
| American Family | $49 | $4 |
| Nationwide | $52 | $1 |
HOW TO LOWER YOUR RATE WITH BAD CREDIT
Drivers with poor credit can lower car insurance costs by utilizing common discounts and bundling different insurance policies. Compare personalized quotes from multiple companies to find the best deals. Improving your credit over time can also help you get a lower rate.
Cheapest Car Insurance in Spokane After a Driving Offense
Insurance providers assess risk when calculating car insurance premiums and your driving record plays a key role in this. Violations like speeding tickets, accidents or DUIs can significantly raise your rates. Even the cheapest car insurance for drivers with violations will be more expensive than for those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.
Cheapest Car Insurance in Spokane After a DUI
For Spokane drivers with a DUI, PEMCO offers the cheapest minimum car insurance coverage at $277 annually. Check the table below to explore options from other providers and find the best rates for drivers with a DUI in Spokane.
| PEMCO | $23 | $52 |
| State Farm | $34 | $41 |
| Progressive | $46 | $29 |
| Chubb | $51 | $25 |
| American Family | $57 | $18 |
| Farmers | $59 | $16 |
| Auto-Owners Insurance Co | $66 | $9 |
| Allstate | $73 | $2 |
| Travelers | $73 | $2 |
Cheapest Car Insurance in Spokane After an Accident
PEMCO provides the most affordable minimum coverage car insurance for Spokane drivers with an at-fault accident record, with an annual rate of $220. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates for drivers with an at-fault accident record.
| PEMCO | $18 | $54 |
| State Farm | $37 | $35 |
| Auto-Owners Insurance Co | $46 | $26 |
| Chubb | $51 | $22 |
| American Family | $58 | $14 |
| Travelers | $65 | $7 |
| Farmers | $65 | $7 |
Cheapest Car Insurance in Spokane After a Ticket
PEMCO offers the most affordable car insurance for Spokane drivers with a speeding record at $198 annually. State Farm follows with a yearly rate of $408. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates for drivers with a speeding record.
| PEMCO | $16 | $47 |
| State Farm | $34 | $29 |
| Chubb | $45 | $18 |
| Auto-Owners Insurance Co | $48 | $15 |
| Progressive | $50 | $13 |
| Farmers | $52 | $11 |
| American Family | $57 | $6 |
| Travelers | $61 | $2 |
| Allstate | $62 | $1 |
Cheapest Car Insurance in Spokane for Military Drivers
Military drivers, including active-duty members, veterans, and their families, often find special discounts and competitive rates on car insurance. The cheapest car insurance providers for military drivers in Spokane for minimum coverage are PEMCO at $157 annually and USAA at $249 annually.
| PEMCO | $13 | $35 |
| USAA | $21 | $27 |
| State Farm | $29 | $19 |
| Auto-Owners Insurance Co | $36 | $12 |
| Progressive | $39 | $9 |
| Chubb | $41 | $7 |
| Travelers | $45 | $3 |
| Farmers | $45 | $3 |
| Nationwide | $46 | $2 |
| GEICO | $48 | $1 |
Car Insurance Quotes in Spokane
The estimated car insurance rates above offer Spokane residents a glimpse into potential premium costs, serving as a helpful baseline for those seeking affordable coverage. However, because insurers consider personal factors when determining rates, obtaining quotes directly from the insurer is the most reliable way to understand actual costs.
Compare Spokane Car Insurance Estimates Online
Since each insurer weighs personalized factors differently when calculating car insurance premiums, comparing quotes is the only way to find the cheapest rate. Spokane drivers can use MoneyGeek to enter basic personal info and receive multiple quotes within minutes. PEMCO offers a monthly rate of $13, while USAA's is $21.
Car Insurance Calculator
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$192
High
$139
Average
$87
Low
Rates updated:
Jul 05, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 |
| 2 |  GEICO | 82 /of 100 | $109 |
| 3 | 83 /of 100 | $118 | |
| 4 | 83 /of 100 | $129 | |
| 5 | 79 /of 100 | $133 | |
| 6 | 77 /of 100 | $151 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Car Insurance Agencies in Spokane
Comparing car insurance quotes online is a fast way to find affordable coverage. However, for a personalized experience, Spokane residents may contact local agencies for specific needs. The table below includes names, review ratings, and contact information for top car insurance agencies in the area.
How Much Does Car Insurance Cost in Spokane?
In Spokane, the average yearly cost for full coverage car insurance is $1215. State minimum coverage is more affordable at about $600 annually. Remember, these averages are based on a 40-year-old driver with good credit and a clean driving record, and your rate may vary.
Spokane Auto Insurance Cost by Driver Profile
See how your auto insurance rates measure up. Our table compares average costs for various driver profiles, helping you find affordable coverage.
| Teen Drivers | No Data | $316 |
| Young Adults | $65 | $133 |
| Senior Drivers | $53 | $101 |
| Drivers With Bad Credit | $53 | $106 |
| Drivers With a Speeding Ticket | $63 | $129 |
| Drivers With a DUI | $75 | $157 |
| Drivers With an Accident | $72 | $144 |
| Military Affiliated Drivers | $48 | $98 |
How Expensive Is Car Insurance Spokane?
In Spokane, minimum coverage car insurance is 18% cheaper than the state average, at $50 monthly. Full coverage is also more affordable, costing 15% less than the average, at $101 monthly.
| Spokane Avg Rate | $50 | $101 |
| Washington Avg Rate | $61 | $118 |
| vs Washington Avg Rate | $11 | $17 |
Car Insurance Requirements in Spokane
In Washington, drivers must have car insurance that meets the state's minimum coverage limits. This includes coverage for bodily injury liability and property damage liability to ensure financial responsibility in case of an accident.
Here are the minimum coverage limits required in Washington:
- $25,000 for bodily injury liability per person.
- $25,000 for bodily injury liability per accident.
- $10,000 for property damage liability per accident.
An auto insurance policy provides financial protection against costs from an accident. The liability coverage pays for damage or injuries you cause to others if you're at fault in an accident.
For example, if you're responsible for an accident that injures another person, your minimum coverage for bodily injury liability per person would cover up to $25,000 of their medical expenses. If you need SR-22 insurance in Spokane, these are the minimum coverage amounts you must have to drive legally.
Cheapest Car Insurance in Spokane: Bottom Line
Finding affordable car insurance in Spokane can change with your age, driving, the car you drive, and credit. PEMCO often has the cheapest options for many drivers. But remember, to get the best deal, always compare quotes from different companies.
Cheap Spokane Car Insurance: FAQ
MoneyGeek helps you find affordable car insurance in Spokane by answering common questions. Discover options that fit your needs and budget. Get the right coverage without hassle.
What is the cheapest car insurance company in Spokane, Washington?
The cheapest car insurance company in Spokane, Washington, is typically State Farm, with average rates of $13 per month for minimum coverage. PEMCO is cheapest for full coverage at $46 per month. However, rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in Spokane, Washington?
The average cost of car insurance in Spokane, Washington, is around $1,215 per year for full coverage, while minimum coverage averages approximately $600 per year. These rates can vary depending on your specific circumstances.
Is car insurance in Spokane, Washington, expensive?
Yes, car insurance in Spokane, Washington, tends to be more expensive than the state average. Factors like higher traffic congestion, accident rates and crime rates contribute to the increased premiums. Shopping around and comparing quotes can help you find more affordable options.
How We Chose the Cheapest Car Insurance in Spokane, WA
To help Spokane drivers find the most affordable auto insurance companies, MoneyGeek analyzed Spokane auto insurance rates based on data and information from the Washington Department of Insurance and Quadrant Information Services.
Spokane Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Spokane with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Spokane
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Washington are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.