The average annual premium for auto insurance in Spokane is $1,050, $214 cheaper than the state average. The cheapest widely available insurer for most drivers is PEMCO, with an average rate of $611. MoneyGeek also evaluated rates for different coverage levels and driver profiles. For those focused on quality as well as cost, MoneyGeek ranked the best options in Spokane.
bestauto insuranceSpokane2021The Cheapest and Best Car Insurance in Spokane
The Cheapest Car Insurance Companies in Spokane
For an average Spokane driver looking for a full coverage policy, the most affordable options are:
- USAA: $559 per year (only available to current and former military members)
- PEMCO: $611 per year
Prices used in MoneyGeek’s study are rates from various companies for a 40-year-old male driver with a full coverage policy, including liability insurance and comprehensive and collision insurance.
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- CompanyAmountper year
- 1.$559
- 2.PEMCO$611
- 3.$728
- 4.$732
- 5.$742
Average Cost of Car Insurance in Spokane
Spokane$1,050
Washington$1,264
U.S.$1,424
At $1,050, Spokane’s average annual premium is 16.9% lower than the state average and 26.3% lower than the national average. This already sounds like a good deal, but depending on your specific circumstances, you may still be able to find cheaper car insurance in Spokane by getting custom quotes.
The Best Car Insurance Companies in Spokane
If you are looking for the best deals offering a balance of affordability and quality service, MoneyGeek ranked the insurance companies in Spokane. MoneyGeek’s scoring system found that the best auto insurers in the city for most drivers are:
- Hartford: MoneyGeek score of 93 out of 100
- GEICO: MoneyGeek score of 85 out of 100
USAA received the highest score in Spokane by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
The MoneyGeek scoring system is based on various factors, including J.D. Power’s user satisfaction, affordability and financial stability ratings.
1
USAA
Score:100
2
Hartford
Score:93
3
GEICO
Score:85
4
Allstate
Score:83
5
American Family
Score:80
6
State Farm
Score:80
7
Farmers
Score:80
8
Progressive
Score:80
9
Safeco
Score:78
10
Liberty Mutual
Score:78
11
Nationwide
Score:75
Personalized Quotes to Get You the Cheapest Car Insurance in Spokane
Car insurance companies in Spokane will base their quotes on factors like your age, driving history, preferred coverage and where you live in the city, among others. These vary per person and make a huge impact on the final rate, so it is best to get quotes to see how each company will assess your situation.
Shopping around for car insurance in Spokane could save you $439, which is enough to buy:
146Cups of Coffee
34Months of Your Favorite Streaming Service
Cheapest Car Insurance in Spokane by Coverage Amount
The cost of auto insurance in Spokane and elsewhere is affected by the amount of coverage you purchase. Spokane drivers with a state minimum liability-only policy pay an average of $594. A driver with a full coverage policy typically pays $456 more for an average of $1,050.
Washington Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
Depending on the company, the average difference between the state minimum liability and a comprehensive 100/300/100 full-coverage policy is anywhere from $278 to $835 per year. You’ll notice that policies often show three numbers, such as 50/100/50. These numbers refer to the covered amount in the thousands.
The first number means $50,000 coverage of medical expenses per individual, while the middle number means a $100,000 cap on medical costs per vehicle. The last number is a $50,000 cap to cover property damage. Note that your own expenses are only covered by full-coverage plans.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$271$313
- 2.PEMCO$333$380
- 3.$343$398
- 4.$364$434
- 5.$385$446
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$512$559
- 2.PEMCO$565$611
- 3.$601$728
- 4.$672$742
- 5.$669$732
Cheapest Car Insurance in Spokane if You Have Driving Violations
A clean driving record can save you a considerable amount of money on the best car insurance in Spokane. A GEICO policyholder with a clean record in this city pays an average rate of $732 per year, but a driver with an at-fault accident on their record will pay around $1,058. If you have a DUI conviction, your GEICO premium increases to an average of $1,749.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$652$784$1,147
- 2.PEMCO$752$823$998
- 3.$808$875$808
- 4.$732$1,058$1,749
- 5.$1,005$1,214$1,183
Average Cost of Car Insurance by Postal Code
Car insurance companies in Spokane also base their quotes on which neighborhood you live in, as different ZIP codes have differing rates of uninsured motorists, accidents, thefts and more. If you live in ZIP code 99208, your annual premium is $25 cheaper on average compared to drivers in ZIP code 99205.
- Zip CodeState Minimumper year
- 99208$1,037
- 99205$1,062
Insurance Providers That Serve Spokane
Factors That Impact Insurance Costs in Spokane
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Spokane. How Spokane ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Spokane are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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