Compare the Cheapest Car Insurance Quotes in Spokane, WA

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.

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The 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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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.

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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

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Hartford
Score:93

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

3
GEICO
Score:85

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
American Family
Score:80

3/5

Affordability

2/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

6
State Farm
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

7
Farmers
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

9
Safeco
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Liberty Mutual
Score:78

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

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:


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146Cups of Coffee
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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

  • Item
    Description
  • 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
Full Coverage
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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.

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 Code
    State Minimumper year
  • 99208
    $1,037
  • 99205
    $1,062

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.

accident2 icon
Most Accidents With Fatalities240th/300
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Most Car Thefts205th/300
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Most Uninsured Motorists by State7th/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall217th/300
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Most Rainy Days112th/300

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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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.