15+ years in personal finance advising and writing
Holds Chartered Life Underwriter (CLU) designation
Bob has spent 15+ years helping people plan their financial lives. As a freelance writer, he’s covered insurance, mutual funds, stocks and bonds, and more.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Cheapest recent rates near Spokane, Washington
Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $53/mo for full coverage in Spokane and other Washington cities.
*Quotes generated for Insurify users in and around Spokane, Washington within the last 10 days. Last updated on May 16, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Spokane, Washington within the last 10 days. Last updated on May 16, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
The average cost of car insurance in Spokane is $81 per month for liability coverage, which is lower than the Washington state average of $85 and the national average of $104 per month.
Spokane County has a population of around 551,500 people but a low population density of 305 people per square mile.[1] Residents driving in areas with low population density often face lower risks of property damage and car accidents.
Here’s what you need to know about finding cheap car insurance in Spokane, including how to compare quotes and coverage options.
Quick Facts
State Farm, USAA, and GEICO have the cheapest liability insurance in Spokane.
On average, full-coverage insurance costs $215 in the U.S., $187 in Washington, and $158 in Spokane.
In 2022, a Washington court overturned a ban on credit scoring. So, insurance companies in the state can consider your credit history when determining premiums.[2]
3 of the cheapest car insurance companies in Spokane
The best car insurer for you will depend on many factors, including your age, gender, vehicle type, driving record, coverage limits, deductible, marital status, and more.
For instance, if you only need liability coverage, State Farm is the most affordable option. But if you have a DUI on your record or you’re looking to insure a teen driver, you may find another insurer, like Allstate, to have better rates. Getting the most affordable auto quotes by evaluating different companies can help you find the right coverage for your situation at the lowest rates.
Here, you can learn more about three of the area’s top insurers: GEICO, USAA, and State Farm. The quotes below reflect statewide average rates in Washington.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
GEICO
4.4
$144
$68
Discounts
USAA
4.7
$120
$56
Military families
State Farm
4.6
$118
$55
Low rates
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$57/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$119/mo
Founded in 1936 and initially known as Government Employees Insurance Company, GEICO expanded beyond federal employees to achieve rapid growth in the ‘90s, becoming a major insurer.
The company offers competitive rates in Spokane that can be lowered even more by utilizing any of its numerous discounts, including good driver, new vehicle, good student, military, federal employee, and more.
Pros
Wide variety of discounts
Web and mobile properties among industry leaders
Good rates for drivers with a speeding ticket or poor credit
Cons
Rates for drivers with a DUI higher than many competitors
Rideshare insurance not available
Vanishing deductible and new-car replacement not available
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$47/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$99/mo
USAA was founded in 1922 by a group of Army soldiers who wanted to help protect each other’s vehicles. Today, the company serves more than 12 million members and has a net worth of $31 billion. USAA is focused solely on the military community, and all of its offerings target this group exclusively.
Pros
Variety of discounts, including bundle and save, military discounts, and good student discounts
Offers banking and investment products
Available in every state and Washington, D.C.
Cons
Only available to active members of the military, veterans, or family members of service members
No 24/7 phone support
Not accredited by the Better Business Bureau (BBB)
I recently sold my Lexus and attempted to remove it from my insurance policy. I was told that I first had to surrender the plates and registration, which I had already done in compliance with Florida law. I believe this should reduce my monthly insurance payment.
Herb - May 14, 2024
Verified
Frustration
It's hard to get them to access my accounts - it's also difficult to set up passwords.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$46/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$97/mo
State Farm opened its doors in 1922 on the idea that farmers should pay less for insurance, since their risks were different than city drivers. Today, the company offers a range of products, from auto insurance to home insurance coverage.
While rates fluctuate, State Farm is continually among the area leaders in low rates for both liability only and full coverage.
Pros
Rideshare coverage available
Comprehensive travel and rental car coverage available
There isn't much customer loyalty; discounts are negligible.
Charles - May 15, 2024
Verified
Good but Pricey
The price went up 36% this year and 15% last year, but the coverage is good and the claims seem to be fair. I use insurance that is better than the state requirements.
…
How to get the cheapest car insurance in Spokane
Getting car insurance can be expensive, so it’s important to find ways to lower your rates. Thankfully, you have several effective ways to get cheap car insurance in Spokane, including:
Add multiple cars or family members to your policy.
Bundle your insurance products, such as auto insurance with renters insurance, life insurance, and a homeowners insurance policy.
Maintain a clean driving record.
Review your deductibles and coverage limits with insurance professionals.
Install safety and anti-theft devices on your car.
Comparison shop and get quotes from multiple insurers.
Find Cheap Car Insurance in Spokane
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Cheapest liability-only car insurance in Spokane: State Farm
If you have a liability-only policy, it’s important to remember that it’ll only cover physical damage and injuries suffered by the other parties involved in an accident you caused. It won’t provide coverage for any expenses related to repairing your own vehicle or any medical bills that you may have incurred due to the accident.
Not surprisingly, liability-only coverage is usually the most affordable. The average monthly cost in Spokane is $81. But you should carefully review whether this coverage meets your needs before purchasing it.
If you have a new vehicle or a vehicle you can’t afford to replace if you total it, liability-only coverage may not provide enough coverage for you. And if you only carry the minimum required amount, your liability insurance may not cover all the damages you’re responsible for in an at-fault accident. In that scenario, you could be on the hook to pay the difference out of your own pocket.
Here’s a list of liability-only rates in Spokane from the top insurers.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
46
USAA
47
GEICO
57
Allstate
62
Safeco
62
Direct Auto
63
Midvale Home & Auto
66
National General
67
American Family
70
Nationwide
72
The General
77
Chubb
78
Farmers
82
Travelers
95
Foremost
100
Dairyland
104
Bristol West
113
Liberty Mutual
118
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Spokane: Direct Auto
If you’re leasing or financing your car, your lender may require full coverage. While liability-only insurance will cover the other driver, their passengers, and their vehicle, full-coverage insurance can protect you, your passengers, and your own car. Full-coverage car insurance includes collision and comprehensive coverage.
In Spokane, a full-coverage policy costs $158 per month, on average. Here’s a collection of full-coverage quotes from different insurance companies in Spokane.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Direct Auto
71
National General
92
Safeco
94
State Farm
97
USAA
99
Midvale Home & Auto
108
GEICO
119
Liberty Mutual
127
Allstate
128
Nationwide
133
The General
135
American Family
146
Chubb
163
Farmers
170
Travelers
199
Dairyland
227
Bristol West
236
Foremost
274
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Washington
In order to drive legally in Washington, you must have coverage that meets the following minimum requirements:[3]
Coverage
Minimum Requirements
Bodily injury liability
$25,000 for injury or death of per person / $50,000 for injury or death of two or more people
Property damage liability
$10,000
Because liability coverage doesn’t cover your vehicle or medical costs, you should consider the following optional coverages:
Collision insurance
Regardless of who’s at fault, collision coverage pays for damage to your vehicle after an accident or collision with an object, like a pole or traffic light.
Comprehensive insurance
In addition to damage to your car from an accident, comprehensive insurance covers damage caused by theft, vandalism, weather events, and accidents involving animals.
If you total your car, gap coverage may pay the difference between the vehicle’s actual cash value and the balance you owe on the loan or lease.
Cheapest car insurance for drivers with an incident
If you have an incident on your record — like a speeding ticket, at-fault-accident, or DUI — your insurance company might increase your rates. The severity of the rate increase can depend on the incident, and in the sections that follow, you’ll see how different incidents can affect your rates.
On average, Spokane drivers with a past incident pay $108 per month for liability coverage and $211 for full-coverage insurance.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Not every insurer will increase your rates after a speeding ticket. But if you receive two or more speeding tickets in a three-year period, your insurer will likely raise your monthly insurance price.
Speed is a common factor in car accidents, so insurers view you as a higher risk if you’ve been cited for speeding. In Spokane, a speeding ticket on your record increases average monthly liability insurance costs to $118. Here‘s a look at average liability insurance costs for Spokane drivers with a past speeding ticket.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
46
60
USAA
47
61
GEICO
57
75
Allstate
62
81
Safeco
62
82
Direct Auto
63
83
Midvale Home & Auto
66
89
National General
67
97
American Family
70
91
Nationwide
72
95
The General
77
102
Chubb
78
103
Farmers
82
107
Travelers
95
125
Foremost
100
144
Dairyland
104
137
Bristol West
113
147
Liberty Mutual
118
170
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
If you live in Spokane and cause a car accident, your insurance rates will typically increase. But some insurance companies have accident-forgiveness programs that can prevent rate hikes for certain types of accidents or after a specific amount of time with no accidents.
The average cost of liability car insurance in Spokane following an at-fault accident is $121 per month. Here are liability quotes from other top insurers in Spokane for drivers with a past at-fault accident.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
46
62
USAA
47
64
GEICO
57
78
Allstate
62
84
Safeco
62
82
Direct Auto
63
88
Midvale Home & Auto
66
95
National General
67
91
American Family
70
95
Nationwide
72
99
The General
77
107
Chubb
78
107
Farmers
82
111
Travelers
95
130
Foremost
100
149
Dairyland
104
142
Bristol West
113
152
Liberty Mutual
118
175
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Insurers see a DUI as the most serious of incidents, and if you have one on your record, your insurance rates will surely increase. In some cases, your insurance company may cancel your coverage altogether, or another company may deny you new coverage.
Spokane drivers with a DUI conviction pay average monthly rates of $137 for liability-only coverage and $267 for full coverage. The following table provides liability quotes from insurers in Spokane.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
State Farm
46
78
USAA
47
79
GEICO
57
96
Allstate
62
105
Safeco
62
105
Direct Auto
63
106
Midvale Home & Auto
66
111
National General
67
113
American Family
70
118
Nationwide
72
121
The General
77
130
Chubb
78
131
Farmers
82
138
Travelers
95
160
Foremost
100
169
Dairyland
104
175
Bristol West
113
190
Liberty Mutual
118
199
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
While people generally enjoy lower car insurance rates in middle age and their early senior years, those rates typically increase for drivers 70 and older. This is because statistics show that older drivers are more likely to be involved in accidents compared to middle-aged adults.
Additionally, if a senior driver has an accident, the injuries sustained are often more severe, leading to higher medical bills and increased costs for the insurance company.[4]
Senior drivers in Spokane pay $57 per month for liability coverage and $112 for full-coverage car insurance, on average. Here are the average monthly quotes for senior drivers in Spokane.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
33
69
USAA
35
73
GEICO
42
88
Direct Auto
45
50
Allstate
46
95
Midvale Home & Auto
46
76
Safeco
46
70
American Family
50
105
National General
50
68
Nationwide
50
92
Chubb
53
110
Farmers
59
122
The General
59
103
Travelers
69
144
Foremost
72
198
Dairyland
77
168
Bristol West
84
175
Liberty Mutual
86
93
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teenage drivers experience crashes almost four times more frequently per mile driven when compared to more experienced drivers. Many factors account for this, including reckless driving, distraction by social media while driving, and limited experience in handling road hazards such as icy winter roads or heavy rain and hail during storms. Alcohol consumption also plays a major role in many accidents involving teenagers.[5]
Spokane teens pay an average of $140 per month for liability car insurance and $273 for full coverage.
If you’re a young driver, you have ways to lower your car insurance costs and find affordable coverage through discounts. One way is to stay on your parents’ insurance policy and drive a car that’s considered safe. If you’re leaving for college, consider leaving your car at home. Another way to qualify for discounts and have affordable auto insurance rates is by earning good grades. Some insurance companies also offer discounts for safe driving habits and having a clean driving record.
Compare quotes for teen drivers in Spokane below.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
76
161
USAA
76
160
GEICO
87
183
Allstate
106
219
Midvale Home & Auto
112
184
Direct Auto
113
127
American Family
120
250
Nationwide
120
222
National General
122
168
The General
122
213
Safeco
127
193
Chubb
140
294
Farmers
141
293
Travelers
167
350
Dairyland
170
372
Foremost
173
474
Bristol West
188
393
Liberty Mutual
215
231
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Spokane car insurance quotes by credit tier
Most states, including Washington, allow insurance companies to consider your credit-based insurance score when setting your car insurance rates. This is because insurers have found that people with lower credit history are more likely to make insurance claims. As a result, drivers with excellent or good credit history typically pay significantly less than drivers with poor credit history.
Here, you can see how your credit tier affects your rates in Spokane.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Spokane
Liability quotes start at $46 per month
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Is car insurance more expensive in Spokane?
The average rates for car insurance in Spokane are $81 for liability-only coverage and $158 for full coverage. This falls below the monthly state averages of $85 for liability-only coverage and $187 for full coverage. Rates in Washington are also below the national average of $104 for liability coverage and $215 for full coverage.
Spokane County has a low population density of 305 people per square mile, which may partially explain why drivers benefit from lower rates.
More cities in Washington
Car insurance in Spokane isn’t just cheaper than the state and national averages — it’s lower than many other large cities in Washington, too. As you can see in the table below, Spokane’s average rates of $81 per month for liability insurance and $158 for full coverage falls below that of other large Washington cities.
Compare quotes for different Washington cities below.
City
Liability Only
Full Coverage
Federal Way
$125
$272
Kennewick
$69
$179
Seattle
$111
$256
Tacoma
$111
$236
Vancouver
$83
$200
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Spokane car insurance FAQs
If you still have questions surrounding car insurance in Spokane, the answers presented below can help.
How much is car insurance in Spokane?
The average monthly rates for car insurance in Spokane are $81 for liability-only coverage and $158 for full coverage. This is lower than the state average and the national average. Spokane’s average rates are also cheaper than several other large cities in Washington.
Ultimately, the amount you pay for your auto coverage will depend on your driving record, age, insurer, and more.
What companies have the cheapest car insurance in Spokane?
State Farm offers the cheapest liability insurance in Spokane, at $46 per month. USAA and GEICO also have affordable liability coverage, with rates of $47 and $57 per month. The best way to find cheap car insurance is to compare quotes from multiple insurance companies at once.
What are the best car insurance companies in Spokane?
State Farm is one of the best insurance companies in Spokane, thanks to an Insurify Quality (IQ) Score of 4.6 out of 5, an AM Best financial strength rating of A++ (Superior), and low rates. The average cost of coverage from State Farm in Washington state is $55 per month for liability coverage and $118 for full coverage. GEICO and USAA also rank as some of the top insurers in Spokane.
What type of car insurance is required in Washington?
If you drive in Washington, you must carry bodily injury liability amounting to $25,000 for the injury or death of one person and $50,000 for the injury or death of two or more people. You also need to carry $10,000 in property damage liability.
How much is car insurance in Washington?
The state averages for car insurance in Washington are $85 for liability-only coverage and $187 for full coverage. This is below the national average of $104 for liability-only coverage and $215 per month for full coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Having spent more than 15 years helping people plan their lives financially, Bob mastered many different financial products to help people achieve their financial goals, including life insurance, disability insurance, mutual funds, and stocks and bonds. He earned the Chartered Life Underwriter (CLU) designation and held numerous securities licenses. Bob is an internationally published poet and is now a freelance writer living in North Texas with his wife and Doberman puppy.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.