Cheapest Car Insurance Companies in Spokane, WA (2024 Rates)


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ByMark Fitzpatrick
Reviewed byMark Friedlander
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ByMark Fitzpatrick
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Reviewed byMark Friedlander
Edited byAshley Jacobs
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Updated: May 20, 2024

Advertising & Editorial Disclosure

For many drivers in Spokane, including teens, seniors, military drivers and those with driving records or who want minimum or full coverage, PEMCO provides the cheapest car insurance. Capital Insurance Group is the most affordable for sports car drivers, while Kemper is for teen drivers. The cheapest provider may depend on your individual driving profile.

We also analyzed the best auto insurance in Spokane if you value good value and excellent service above all else.

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2024

Cheapest Car Insurance in Spokane, WA

Why Trust MoneyGeek? We obtain our data from Quadrant Information Services and the Washington state Office of the Insurance Commissioner. To discover the most affordable providers for the majority of driver profiles, we used the most recent quotes for 2023.

81,780Quotes Analyzed
 
15Companies Compared

Cheapest Minimum Coverage Car Insurance in Spokane

The most affordable minimum coverage auto insurance in Spokane is from the following:

  • PEMCO: $206 per year
  • Capital Insurance Group: $295 per year

PEMCO is also the cheapest car insurance in Washington for minimum coverage as of October 2022, at $309 yearly. It costs more on average in the state than it does in Spokane. The most expensive minimum coverage in the city is provided by Dairyland, which costs $1,189.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
PEMCOAnnual Premium$206Monthly Premium$17
Capital Insurance GroupAnnual Premium$295Monthly Premium$25
State FarmAnnual Premium$352Monthly Premium$29
GEICOAnnual Premium$376Monthly Premium$31
ChubbAnnual Premium$407Monthly Premium$34
TravelersAnnual Premium$427Monthly Premium$36
FarmersAnnual Premium$480Monthly Premium$40
AllstateAnnual Premium$507Monthly Premium$42
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Washington law establishes the following as the minimum liability limits in Spokane:

  • $25,000 in bodily injury per person
  • $50,000 for all the people injured in the accident
  • $10,000 for property damage per accident

Only third-party damages are covered by minimum coverage auto insurance. For instance, your insurer will only pay $25,000 in losses per person, up to $50,000 per incident, if your bodily injury liability coverage is $50,000 per accident and $25,000 per person. You pay out of pocket for any costs beyond these limits.

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MONEYGEEK EXPERT TIP

Every insurer in Washington must offer uninsured/underinsured motorist (UM/UIM) coverage, but you can decline them in writing — they are not required by law. But having these coverages is very beneficial. If an uninsured driver hits you or a driver who does not have enough coverage, your costs will be handled by UM or UIM. UM also covers hit-and-runs. Washington has the fifth-highest uninsured motorist rate nationwide at nearly 22%, which makes having UM in Spokane a very good idea. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Full Coverage Car Insurance in Spokane

The following companies offer full coverage auto insurance at the cheapest rates in Spokane:

  • PEMCO: $441 per year
  • Kemper: $667 per year

As of October 2022, PEMCO is also the cheapest insurance in Washington for full coverage, with annual premiums of $614. Spokane has cheaper rates from this company than the rest of the state. The highest annual premiums for full coverage are from Dairyland, at $2,715.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
PEMCOAnnual Premium$441Monthly Premium$37
KemperAnnual Premium$667Monthly Premium$56
Capital Insurance GroupAnnual Premium$680Monthly Premium$57
GEICOAnnual Premium$723Monthly Premium$60
State FarmAnnual Premium$777Monthly Premium$65
AllstateAnnual Premium$805Monthly Premium$67
TravelersAnnual Premium$876Monthly Premium$73
American FamilyAnnual Premium$933Monthly Premium$78

Comprehensive and collision coverage are both features of full coverage car insurance.

  • Comprehensive insurance: Covers non-collision losses like theft, vandalism, fires and damage from weather hazards.
  • Collision insurance: Covers collisions with vehicles and objects, such as trees, fences and light poles. Also covers rollover accidents and pothole damage.

Better financial protection is guaranteed with this type of coverage. However, if your auto is old, the price of the insurance may exceed the value of the vehicle, which may not be practical.

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Cheapest Car Insurance in Spokane After a Driving Offense

The cheapest car insurance in Spokane after any of the following driving violations includes:

  • Speeding ticket: PEMCO ($550 per year)
  • At-fault accident: PEMCO ($601 per year)
  • DUI: PEMCO ($729 per year)

Kemper has the highest annual cost for a DUI at $3,509. Dairyland has the most expensive yearly costs for speeding tickets ($3,154) and at-fault accidents ($3,437). Even the most inexpensive insurance premiums may be affected by driving violations.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
PEMCOAnnual Premium$550Monthly Premium$46
KemperAnnual Premium$842Monthly Premium$70
State FarmAnnual Premium$856Monthly Premium$71
AllstateAnnual Premium$888Monthly Premium$74
Capital Insurance GroupAnnual Premium$922Monthly Premium$77
GEICOAnnual Premium$1,018Monthly Premium$85
ChubbAnnual Premium$1,058Monthly Premium$88
American FamilyAnnual Premium$1,105Monthly Premium$92

The extent of the insurance rate increase depends on the seriousness of the driving violation. Consider a price jump in Spokane of at least $245 after receiving a speeding ticket and $531 after receiving a DUI. Despite a poor driving record, you can still acquire the cheapest car insurance rates.

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MONEYGEEK EXPERT TIP

An easy way to avoid an increase in your premium after your first at-fault accident is to add accident forgiveness to your car insurance policy. This optional coverage stops your policy cost from going up as long as, prior to the accident, you had a clean motor vehicle record. Many companies offer accident forgiveness, and with some, you can earn it for being a good driver, such as with GEICO. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Car Insurance in Spokane for Teens and Their Families

The cheapest car insurance for teen drivers in Spokane could be acquired from the following leading companies:

  • Kemper: $1,485 per year for female teens; $1,543 per year for male teens
  • Allstate: $1,746 per year for female teens; $1,835 per year for male teens

Progressive charges $3,659 for female teens and $4,033 for male teens in Spokane, the most expensive rates in the city.

Due to their higher insurance risk, male teenagers usually are charged more than female teenagers. The price difference of $58 highlights this reality, but the discrepancy does drop off in early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
KemperFamily Plan Annual Premium$1,485Individual Plan Monthly Premium$4,282
AllstateFamily Plan Annual Premium$1,746Individual Plan Monthly Premium$9,119
NationwideFamily Plan Annual Premium$1,907Individual Plan Monthly Premium$7,898
Capital Insurance GroupFamily Plan Annual Premium$1,956Individual Plan Monthly Premium$3,723
State FarmFamily Plan Annual Premium$2,140Individual Plan Monthly Premium$2,993
TravelersFamily Plan Annual Premium$2,250Individual Plan Monthly Premium$4,918
FarmersFamily Plan Annual Premium$2,480Individual Plan Monthly Premium$4,995
GEICOFamily Plan Annual Premium$2,535Individual Plan Monthly Premium$8,460

It costs more to buy separate coverage than to add a teen to an existing family plan. And if a teen is under 18, they cannot legally purchase auto insurance without a parent or guardian as a co-signer. For instance, having a male teen on a family insurance policy in Spokane is projected to help save $2,381 in premiums. Look into the cheapest teen car insurance to compare options and save money.

Cheapest Car Insurance in Spokane for Military Drivers

Military members in Spokane and their families can get the most affordable auto insurance for full coverage from the following providers:

  • PEMCO: $441 per year
  • USAA: $532 per year

PEMCO is also the least expensive option in Spokane at $206 annually if you only want to buy minimum coverage auto insurance. USAA ranked second as well, costing around $222 annually.

Another option for military members who want to save money and get coverage tailored to them is GEICO. You may save up to 15% on your premium with GEICO's military discount.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
PEMCOAnnual Premium$441Monthly Premium$37
USAAAnnual Premium$532Monthly Premium$44
KemperAnnual Premium$667Monthly Premium$56
Capital Insurance GroupAnnual Premium$680Monthly Premium$57
GEICOAnnual Premium$723Monthly Premium$60
State FarmAnnual Premium$777Monthly Premium$65
AllstateAnnual Premium$805Monthly Premium$67
TravelersAnnual Premium$876Monthly Premium$73

How to Compare Cheap Spokane Car Insurance Quotes Online

Online insurance quote requests can take 15 minutes or more per company, given the company’s service quality and the extensive personal data that must be provided. You could calculate your rates by entering your age, preferred coverage, car model and driving record into MoneyGeek's auto insurance calculator.

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Rates updated:

Jun 13, 2024

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Cheapest Car Insurance in Spokane for Young Adults

In Spokane, these companies provide young drivers in their 20s with car insurance at the cheapest rates:

  • PEMCO: $555 per year
  • Allstate: $864 per year

Dairyland is the most expensive young adult auto insurance provider in the city, costing roughly $3,903.

Even with the lowest-priced insurance option, study shows that young drivers frequently pay more than middle-aged drivers because they are thought to be riskier to insure. They typically pay $286 more than their middle-aged counterparts.

Data filtered by:Results filtered by:
Age Group:
Age Group:22-29
Coverage:
Coverage:Full Coverage
PEMCOAnnual Premium$555Monthly Premium$46
AllstateAnnual Premium$864Monthly Premium$72
KemperAnnual Premium$971Monthly Premium$81
American FamilyAnnual Premium$993Monthly Premium$83
Capital Insurance GroupAnnual Premium$995Monthly Premium$83
GEICOAnnual Premium$1,000Monthly Premium$83
State FarmAnnual Premium$1,011Monthly Premium$84
TravelersAnnual Premium$1,047Monthly Premium$87

Cheapest Car Insurance in Spokane for Seniors

The cheapest car insurance in Spokane for senior drivers can be purchased from:

  • PEMCO: $470 per year
  • Kemper: $600 per year

The most expensive insurance for seniors is Dairyland, at $2,431 annually. Older drivers sometimes receive a discount on their auto insurance rates, although the exact amount varies by provider.

In Spokane, MoneyGeek found that people in their 60s pay $19 less each month than people in their 40s, which isn't the norm nationwide. Due to their increased chance of being involved in an accident brought on by age-related problems, such as worsening eyesight, drivers frequently pay more for insurance as they age.

Data filtered by:Results filtered by:
Age Group:
Age Group:60 +
Coverage:
Coverage:Full Coverage
PEMCOAnnual Premium$470Monthly Premium$39
KemperAnnual Premium$600Monthly Premium$50
Capital Insurance GroupAnnual Premium$608Monthly Premium$51
State FarmAnnual Premium$705Monthly Premium$59
ChubbAnnual Premium$798Monthly Premium$67
TravelersAnnual Premium$841Monthly Premium$70
AllstateAnnual Premium$851Monthly Premium$71
GEICOAnnual Premium$855Monthly Premium$71

Cheapest Car Insurance in Spokane for Poor Credit

For drivers with bad credit, the following Spokane auto insurance companies provide the most affordable rates:

  • PEMCO: $441 per year
  • Kemper: $667 per year

The most expensive insurance offered by Dairyland for Spokane drivers with bad credit is $2,715 annually.

On average, drivers with lower credit-based insurance scores pay more for auto insurance. A driver in the city with a credit score of over 750 should anticipate paying about $30 less for auto insurance than a driver with a lower credit rating. This is a 3% price difference.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
PEMCOAnnual Premium$441Monthly Premium$37
KemperAnnual Premium$667Monthly Premium$56
Capital Insurance GroupAnnual Premium$680Monthly Premium$57
GEICOAnnual Premium$723Monthly Premium$60
State FarmAnnual Premium$777Monthly Premium$65
TravelersAnnual Premium$876Monthly Premium$73
American FamilyAnnual Premium$933Monthly Premium$78
FarmersAnnual Premium$940Monthly Premium$78

Insurance companies may charge drivers with bad credit higher premiums because a lower credit rating frequently indicates a higher risk of making a claim.

You can take a number of actions to reduce your insurance rates if you have bad credit, such as looking for standard discounts, bundling plans and comparing prices from other insurers. Eventually, your credit score could also rise over time.

Cheapest Car Insurance in Spokane for Sports Cars

For drivers of sports cars in Spokane, the cheapest auto insurance is from the following companies:

  • Capital Insurance Group: $767 per year
  • Kemper: $816 per year

Dairyland charges $2,494 yearly for the most expensive sports auto insurance in the city. Sports cars usually cost more to maintain and upgrade. Car insurance for sports vehicles is generally, although not always, more costly than a Toyota Camry LE. In Spokane, drivers could pay an additional $122 or 13% more per year.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Capital Insurance GroupAnnual Premium$767Monthly Premium$64
KemperAnnual Premium$816Monthly Premium$68
AllstateAnnual Premium$819Monthly Premium$68
GEICOAnnual Premium$848Monthly Premium$71
TravelersAnnual Premium$871Monthly Premium$73
American FamilyAnnual Premium$878Monthly Premium$73
FarmersAnnual Premium$899Monthly Premium$75

MoneyGeek used a Ford Mustang as its car model in examining insurance rates for sports vehicles. Based on the kind of car, insurance premiums can vary greatly. Though it might not always have an impact on insurance rates, the model should be considered when comparing insurance.

Average Cost of Car Insurance in Spokane

Compared to the Washington car insurance average and national average of $1,169 and $1,265, the average yearly car insurance rate of $975 in Spokane is much less expensive. These policies include property damage liability of $100,000, bodily injury liability of $100,000 per person and bodily injury liability of $300,000 per accident. There are many factors that can influence insurance rates, including location.

SpokaneFull Coverage Average Annual Premium$975Minimum Coverage Average Annual Premium$519
VancouverFull Coverage Average Annual Premium$1,094Minimum Coverage Average Annual Premium$605
EverettFull Coverage Average Annual Premium$1,161Minimum Coverage Average Annual Premium$659
BellevueFull Coverage Average Annual Premium$1,211Minimum Coverage Average Annual Premium$676
TacomaFull Coverage Average Annual Premium$1,244Minimum Coverage Average Annual Premium$696
SeattleFull Coverage Average Annual Premium$1,271Minimum Coverage Average Annual Premium$707
KentFull Coverage Average Annual Premium$1,282Minimum Coverage Average Annual Premium$721
RentonFull Coverage Average Annual Premium$1,283Minimum Coverage Average Annual Premium$717

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.