Cheapest Car Insurance in Spokane, WA (2025)

Spokane drivers pay an average of $624 per year for minimum coverage and $1,320 per year for full coverage. Comparison shopping gives you confidence that you're getting the lowest rates.

• Cheapest minimum liability coverage: State Farm has Spokane's cheapest minimum coverage at $465 per year ($39 monthly). That's 25% lower than the city average of $624, saving you $159 annually. California Casualty ranks second for minimum coverage at $487 per year ($41 monthly), a 22% savings compared to the city average.
• Cheapest full coverage: Progressive offers the lowest full coverage at $1,169 annually ($97 monthly), 11% below the city average of $1,320. That's $151 in annual savings. GEICO's full coverage costs $1,301 per year ($108 monthly), still 1% below the city average but $132 more than Progressive annually.

Car insurance costs vary by age in Spokane. Young drivers have the highest premiums, while adults enjoy more affordable options. Here's how the most affordable providers stack up across different age groups:

• Adults: State Farm leads at $39 monthly, followed by California Casualty at $41
• Seniors: State Farm is $46 monthly, with GEICO second at $58
• Young drivers: State Farm offers the best value at $84 monthly, while American Family comes in at $110

State Farm helps young drivers reduce costs through its Steer Clear program, which can cut premiums by up to 20% after completing a safe driving course. GEICO supports senior drivers with its Prime Time Contract, offering guaranteed renewals after age 50.

If you recently had a violation, now is the best time to shop for lower rates. Here are your cheapest car insurance options in Spokane by violation type: 

• Accident: State Farm at $45 and California Casualty at $70 monthly
• Ticket: State Farm at $42 and Farmers at $56 monthly
• DUI: State Farm at $42 and National General at $60 monthly

Minor violations in Spokane remain on your record for three years, after which the rates decrease.

Spokane drivers see different car insurance costs depending on their neighborhood. ZIP codes 99208 and 99223 have the highest full coverage rates at $120 monthly, while 99224 offers the most affordable option at $103 monthly.

Progressive earns 94 out of 100 on MoneyGeek's rating scale, establishing it as the top car insurance company in Spokane. State Farm follows closely with a score of 93 out of 100, making both insurers excellent choices for Washington residents.

Progressive ranks first for coverage and customer experience. Our evaluation considered agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and multi-platform customer reviews to assess how well insurers handle claims and support policyholders.

State Farm leads in affordability while both insurers maintain strong financial stability ratings.

See below for why each insurer is best and which fits your needs.

Spokane drivers have high car insurance costs compared to other Washington cities. Shop around to secure better rates and find coverage that fits your needs:

Our insurance experts answer questions about finding affordable car insurance in Spokane:

We analyzed hundreds of thousands of quotes from major insurers using data from the Office of the Insurance Commissioner and Quadrant Information Services. Our research covered all Spokane ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. 

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Washington's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing winter weather claims or handling theft-related incidents.

Coverage options (10%): More choices mean better odds of matching coverage to Spokane risks like winter storm damage, uninsured motorists and theft in high-risk areas.