Best Car Insurance Companies in Spokane, WA

Your best car insurance provider depends on your unique driving profile and coverage needs. Chubb is the best overall car insurer in Spokane. It's also MoneyGeek's top pick for the best cheap insurer, best customer service provider and best for policyholders with driving offenses. Moreover, Chubb is the best auto insurer for young adults and seniors, while Capital Insurance Group is best for teenagers. Travelers is the best option for new car owners.

The following companies are the best auto insurance providers in Spokane, Washington:

• Chubb: MoneyGeek score of 82 out of 100 ($954 per year)
• Capital Insurance Group: MoneyGeek score of 79 out of 100 ($680 per year)

Chubb handles claims efficiently while offering excellent customer service, making it Spokane's overall best insurer and the best car insurance provider in the state of Washington. It's important to remember that your location significantly impacts your insurance rates.

If you're a military-affiliated driver, USAA is worth looking into. With specialized services catering to military drivers and their families, it earned an overall MoneyGeek score of 83 out of 100.

Of the 14 insurance providers we analyzed in Spokane, Washington, Chubb emerged as our top choice. While it may not be the cheapest option, with an annual cost of $954, Chubb stands out for its exceptional claims handling speed and efficiency and high customer service quality rating. Chubb's superior claims management capabilities and broader range of coverage options enabled it to surpass Capital Insurance Group, which offers a higher satisfaction score at a lower price.

The rates provided in this section pertain to full coverage policies. We assigned MoneyGeek scores to companies only when we had sufficient information to evaluate all the factors in our scoring system, including affordability, claims management, customer service and financial stability.

The following car insurance providers offer the best service to their customers:

• Chubb: MoneyGeek score 76 out of 100 ($954 per year)
• Capital Insurance Group: MoneyGeek score 68 out of 100 ($680 per year)

Chubb has established a stellar reputation for its prompt claims processing and overall excellent service provided to policyholders. However, it's one of the more expensive auto insurers, so this company is best for buyers prioritizing customer service over price.

Excellent customer service is crucial in high-stress situations like a car breaking down. Insurance companies that provide good customer service promptly resolve policyholder issues and pay close attention to their claims.

We recommend Chubb because of how well it handles claims and takes care of its clients. Although it was our top pick, customers were not quite as satisfied as they were with Capital Insurance Group. However, it excels far beyond Capital Insurance Group in terms of claims management.

We analyzed rates and customer satisfaction ratings for policies that meet the state of Washington's minimum requirements and determined that the following insurers are the most cost-effective options for auto insurance in Spokane:

• Chubb: MoneyGeek score 81 out of 100 ($407 per year)
• Capital Insurance Group: MoneyGeek score 79 out of 100 ($295 per year)

The lowest-priced plans typically offer the least liability protection. Remember that all cities in the state have the same Washington car insurance requirements.

The best minimum coverage providers offer competitive rates without sacrificing the quality of service to their clients. Sometimes low premiums mean low quality of service. However, despite being one of the city's most expensive providers, Chubb received a higher-than-average rating for affordability. Capital Insurance Group ranks highest in customer satisfaction but offers fewer coverage options.

In Spokane, the following companies offer the best auto insurance for young adults:

• Chubb: MoneyGeek score 82 out of 100 ($1,278 per year)
• Capital Insurance Group: MoneyGeek score 78 out of 100 ($995 per year)

Chubb provides young adult drivers with reasonably affordable rates while offering first-rate claims handling and customer support. To help you choose the best option, we also reviewed the best car insurance for young drivers.

Young drivers should prioritize customer service and affordability when looking for a good auto insurance provider. Chubb meets both criteria, offering exceptional customer service and several discount options for young drivers. Although PEMCO is less expensive, it has lower customer satisfaction ratings.

The top car insurance providers in Spokane for 16-year-old on a family policy are:

• Capital Insurance Group: MoneyGeek score 78 out of 100 ($1,923 per year)
• Allstate: MoneyGeek score 69 out of 100 ($1,835 per year)

With the third-cheapest rates and the highest customer satisfaction rating among the nine insurers in our study, Capital Insurance Group is a fantastic choice for individuals who prioritize both affordability and quality service.

Although teen policies are typically more expensive, they can save money by being added to their parent's policy. On average, teenagers in Spokane could save $2,381 annually. To help you weigh your options, we've highlighted the best teen auto insurance policies.

The best providers for teen drivers will have reasonably low rates, high customer service standards and teen-specific discounts.

Capital Insurance Group is the best insurance provider for teen drivers because of its competitive rates, excellent customer service and teen-specific (student) discount. Kemper is a cheaper option but ranks significantly lower regarding customer satisfaction.

Spokane's best auto insurers for senior citizens are:

• Chubb: MoneyGeek score 84 out of 100 ($798 per year)
• Capital Insurance Group: MoneyGeek score 80 out of 100 ($608 per year)

With the highest claims processing score, a close second-highest rating for customer satisfaction and the fifth-highest affordability score, Chubb offers the best car insurance policies for seniors. While premiums for drivers in their 70s may be more expensive, drivers in their 60s typically pay rates comparable to those in their 30s through 50s.

Seniors in their 60s typically pay lower rates than people of other ages. The best insurance for older motorists will be reasonably priced and include personal injury protection (PIP), which helps cover medical costs if serious injuries are sustained in an accident.

Chubb excels in providing competitive prices and exceptional service. It offers discounts on safety features such as anti-lock brakes and anti-theft systems, which contribute to the overall well-being of senior citizens.

The best car insurance companies in Spokane for drivers with violations are:

• Chubb: MoneyGeek score 84 out of 100 ($1,200 per year)
• Capital Insurance Group: MoneyGeek score 77 out of 100 ($1,224 per year)

Chubb offers superb customer service and relatively affordable rates for drivers with traffic violations. Car insurance rates increase, usually directly proportional to the offense's severity. A Spokane driver with a DUI will pay $287 more per year than a motorist with a speeding ticket. Drivers with violations will pay more for car insurance, but shopping around for the best auto insurers for drivers with poor records may help you save money.

The ideal auto insurance company for drivers with a history of infractions should offer affordable rates, a comprehensive selection of discounts and essential coverages, such as accident forgiveness or roadside assistance. While Chubb received favorable ratings for affordability and customer service, it may offer only some of the desired add-on coverages for drivers with offenses. Our second choice, Capital Insurance Group, is a satisfactory alternative while slightly more expensive.

The best car insurance companies for new vehicle owners are:

• Travelers: MoneyGeek score of 61 out of 100 ($917 per year)
• Kemper: MoneyGeek score of 50 out of 100 ($758 per year)

The rankings for this category were based on the cost and level of service provided to Washington drivers with 2022 car models. Only insurance companies that offer better or new car replacement coverage were included in the evaluation. With new car replacement coverage, if your car is totaled in a covered accident, your policy will cover the cost of a brand-new vehicle of the same make and model. Travelers, known for reasonable rates and exceptional customer service, also offers this valuable coverage.

New car owners should pick a car insurance provider that offers new or better car replacement coverage. This coverage is crucial if your brand-new car is involved in an accident covered by your policy, as it can save you a significant amount of money. Travelers is an excellent choice in this category, as it offers reasonable prices and provides coverage for new cars. Our runner-up, Kemper, is a more affordable option but has lower ratings for customer satisfaction and coverage options.

The best car insurer in Spokane for you will vary based on your needs and driver profile. To assist you in your decision-making process, we have answered some frequently asked questions below.