In Spokane, State Farm offers the lowest minimum coverage rate at $465 per year, while Progressive provides the most affordable full coverage at $1,169 annually. Other budget-friendly insurers in the city include California Casualty, GEICO and Farmers.
Car Insurance in Spokane
Updated: August 15, 2025
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Key Takeaways
Spokane's cheapest car insurance companies are State Farm, California Casualty and GEICO, with savings up to 13% compared to the city average.
Monthly car insurance costs in Spokane average $110 for full coverage and $52 for minimum coverage.
To find the best cheap auto insurance in Spokane, compare quotes from multiple sources and choose coverage that matches your needs.
Who Has the Cheapest Car Insurance in Spokane?
| State Farm | $39 | $109 | -13% |
| California Casualty | $41 | $112 | -9% |
| GEICO | $46 | $108 | -8% |
| Progressive | $58 | $97 | -8% |
| Farmers | $50 | $109 | -5% |
Compare the Cheapest Spokane Car Insurance for You
Your car insurance rates depend heavily on your driving history and personal details, so we've analyzed costs for different driver profiles. Check the table below to find the cheapest insurance options based on factors like your age, credit score and driving record.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| State Farm | $124 | $1,482 | -29% |
| American Family | $138 | $1,657 | -21% |
| Allstate | $160 | $1,917 | -8% |
| Travelers | $161 | $1,926 | -8% |
| Pemco | $162 | $1,944 | -7% |
Cheapest Car Insurance by Age Group in Spokane
Car insurance rates vary significantly by age in Spokane. Here's what we found for the most affordable options in each age group:
- Cheapest car insurance for young drivers (16 to 25): State Farm at $84 per month
- Cheapest car insurance for adults (26 to 64): State Farm at $39 per month
- Cheapest car insurance for seniors (65+): State Farm at $46 per month
Cheapest Car Insurance for Young Drivers in Spokane
State Farm and GEICO provide the most affordable car insurance rates for young drivers in Spokane, with monthly premiums starting at $84 and $117 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $84 | $1,005 | -40% |
| American Family | $110 | $1,315 | -21% |
| GEICO | $117 | $1,400 | -16% |
| Travelers | $119 | $1,432 | -14% |
| California Casualty | $124 | $1,491 | -10% |
Cheapest Car Insurance for Adult Drivers in Spokane
In Spokane, State Farm provides the lowest rates for adult drivers (26 to 64), saving drivers around 29% on average. GEICO and Farmers are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $39 | $465 | -29% |
| California Casualty | $41 | $487 | -25% |
| GEICO | $46 | $555 | -15% |
| Farmers | $50 | $599 | -8% |
| National General | $52 | $630 | -4% |
Cheapest Car Insurance for Senior Drivers in Spokane
For seniors in Spokane, State Farm offers the lowest rates for both minimum and full coverage car insurance. Minimum coverage costs $46 monthly or $551 annually, while full coverage runs $120 per month or $1,435 per year.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $46 | $551 | -42% |
| GEICO | $58 | $699 | -27% |
| Nationwide | $71 | $851 | -11% |
| Farmers | $75 | $899 | -6% |
| California Casualty | $75 | $898 | -6% |
Cheapest Car Insurance for High-Risk Drivers in Spokane
These insurance companies offer the lowest rates for high-risk drivers in Spokane:
- Cheapest for Bad Credit: National General (from $65 per month)
- Cheapest With a DUI: State Farm (from $42 per month)
- Cheapest With an Accident: State Farm (from $45 per month)
- Cheapest With a Speeding Ticket: State Farm (from $42 per month)
Cheapest Car Insurance for Bad Credit in Spokane
National General offers the cheapest car insurance for bad credit drivers in Spokane. Monthly rates start at $65 for minimum coverage and $144 for full coverage. These affordable rates apply to drivers with clean records looking for basic liability or comprehensive protection with a $1,000 deductible.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| National General | $65 | $779 | -48% |
| GEICO | $91 | $1,095 | -27% |
| California Casualty | $93 | $1,112 | -26% |
| Pemco | $98 | $1,171 | -22% |
| Nationwide | $114 | $1,364 | -9% |
Cheapest Car Insurance With a DUI in Spokane
State Farm offers the most affordable car insurance for Spokane drivers with a DUI. Compared to city averages, you can save up to 46% on minimum coverage and 31% on full coverage.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $42 | $505 | -46% |
| National General | $61 | $729 | -22% |
| Farmers | $64 | $766 | -19% |
| Progressive | $66 | $792 | -16% |
| American Family | $72 | $859 | -9% |
Cheapest Car Insurance With an Accident in Spokane
State Farm offers the lowest car insurance rates in Spokane for drivers with an accident on record. Monthly premiums start at $45, that's 43% less than the city's average rate.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $45 | $544 | -43% |
| California Casualty | $70 | $843 | -12% |
| GEICO | $73 | $871 | -9% |
| Farmers | $73 | $882 | -8% |
| American Family | $87 | $1,048 | 10% |
Cheapest Car Insurance With a Speeding Ticket in Spokane
Spokane drivers with a speeding ticket can find the most affordable rates at State Farm. The company offers the cheapest minimum liability coverage at $42 per month and the lowest full coverage policy at $116 monthly.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $42 | $505 | -38% |
| Farmers | $57 | $680 | -16% |
| California Casualty | $57 | $685 | -15% |
| GEICO | $65 | $785 | -3% |
| National General | $66 | $797 | -2% |
Best Car Insurance Companies in Spokane
The top car insurance companies in Spokane are Progressive, State Farm, California Casualty, Farmers and GEICO. These insurers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Progressive | 94 | 4 | 2 | 2 |
| State Farm | 94 | 1 | 3 | 6 |
| California Casualty | 90 | 2 | 9 | 5 |
| Farmers | 90 | 5 | 10 | 1 |
| GEICO | 90 | 3 | 6 | 6 |
Progressive: Best Overall Coverage
pros
Strong customer service ratings
Extensive coverage options
Competitive full coverage rates
cons
Higher minimum coverage rates
Not cheapest for most driver categories
COMPANY HIGHLIGHTS
Progressive ranks first in Spokane with excellent customer service and comprehensive coverage options. Their full coverage insurance costs $97 monthly, below the city average. Progressive stands out for smooth claims handling and an extensive selection of add-on coverages. They excel in both coverage quality and customer experience rankings.
State Farm: Best for Affordable Rates
pros
Lowest minimum coverage rates
Multiple driver discounts available
Strong customer satisfaction scores
cons
Limited add-on coverage options
Higher full coverage rates
COMPANY HIGHLIGHTS
State Farm offers Spokane's most affordable minimum coverage at $39 monthly. They rank first for affordability while maintaining strong customer service ratings. State Farm provides the best rates for multiple driver categories, including adults, seniors, and those with driving violations. Their straightforward approach and competitive pricing make them an excellent choice for budget-conscious drivers.
How Much Is Car Insurance in Spokane?
In Spokane, minimum coverage costs about $52 per month or $624 per year, ranking 406th out of all Washington cities for affordability. Full coverage averages $110 monthly or $1,325 annually, ranking 397th among Washington cities.
| Full Coverage | $110 | $1,325 |
| Minimum Coverage | $52 | $624 |
Compare Personalized Spokane Car Insurance Costs
Find rates that match your exact profile by filtering the table below for specific combinations of age, driving history and other personal factors.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $170 | $2,037 | 3% |
Spokane Car Insurance Costs by ZIP Code
In Spokane, car insurance rates by ZIP code range from $47 to $120 per month. ZIP code 99208 is the most expensive, while 99224 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:99208
| 99208 | $62 | $120 |
How to Get the Best Cheap Spokane Car Insurance
With Spokane's car insurance rates running higher than many Washington cities and numerous coverage options to sort through, finding affordable protection can feel overwhelming. This step-by-step guide will show you how to secure the cheapest car insurance rates while maintaining the coverage you need.
- 1
Calculate your coverage requirements
Start by determining how much coverage you need based on your vehicle's value and your risk tolerance. Use our car insurance coverage needs calculator to get a personalized recommendation. Consider factors like your car's age, your driving habits and whether you have assets to protect.
- 2
Explore alternative insurance options
Beyond standard types of car insurance, consider specialized options that could save you money. If you drive infrequently, pay-per-mile coverage might be ideal. Don't own a car? Look into non-owner insurance for occasional driving.
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Know what others pay
Research average vehicle insurance costs in Spokane to set realistic expectations. Understanding typical rates for your age group and vehicle type helps you recognize good deals and avoid overpaying.
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Stack your savings with discounts
Maximize your savings by combining multiple car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Many insurers offer additional savings for safe driving records, anti-theft devices and completing defensive driving courses.
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Check company ratings and reviews
Research potential insurers' financial strength and customer satisfaction ratings. Look for companies with strong records in claims handling and customer service in Spokane. Pay attention to local reviews and ask friends and family about their experiences with different providers.
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Get quotes from multiple providers
Contact at least three different insurance companies to compare rates. Use a mix of local agents, online quote tools, and direct carrier websites.
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Review your policy annually
Mark your calendar to review your coverage each year before renewal. Life changes like moving within Spokane, buying a new car or improving your credit score can qualify you for better rates.
Cheapest Car Insurance in Spokane: Bottom Line
Car insurance rates in Spokane depend on your driving record, vehicle and credit score. State Farm and California Casualty offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Spokane Car Insurance: FAQ
Get straightforward answers about finding affordable car insurance in Spokane. Our FAQ section helps you understand coverage options and find the best rates for your needs.
What is the cheapest car insurance company in Spokane, Washington?
State Farm offers the lowest rates in Spokane at $465 for minimum coverage, while Progressive leads with $1,169 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Spokane?
Progressive leads Spokane's car insurance providers with a MoneyGeek score of 94 out of 100, scoring just one point above State Farm. Progressive delivers excellent value through balanced pricing and service quality.
What is the average cost of car insurance in Spokane?
In Spokane, drivers pay $1,325 per year for full coverage and $624 for minimum coverage auto insurance. Your actual rates will vary based on individual factors.
Is car insurance in Spokane expensive?
Car insurance in Spokane costs more than average, ranking 406th for minimum coverage affordability and 397th for full coverage compared to other Washington cities.
How We Chose the Best and 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 State Office of the Insurance Commissioner and Quadrant Information Services. We studied all ZIP codes in Spokane and hundreds of thousands of quotes for 12 companies offering auto insurance in Washington to tailor options as closely as possible to you.
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
- Good credit
- Valid license
- Currently insured
- No claims history
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
Our Best Company Rating Methodology
We rated all companies in Spokane based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
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.