Cheapest Auto Insurance in Spokane, Washington (2024)
Direct Auto has the cheapest car insurance in Spokane, with monthly liability rates as low as $41.
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Updated November 20, 2024
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Table of contents
The average cost of car insurance in Spokane is $73 per month for liability coverage, which is lower than the Washington state average of $76 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
Direct Auto, State Farm, and USAA have the cheapest liability insurance in Spokane.
On average, full-coverage insurance costs $204 in the U.S., $153 in Washington, and $123 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| GEICO | 9.0 | $146 | $64 | Discounts |
| USAA | 9.4 | $121 | $53 | Military families |
| State Farm | 9.3 | $119 | $52 | Low rates |
Our editorial team spent more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| 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. | $55/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. | $126/mo |
4.0
Best choiceBased on 10271 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,647)
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
Chris
November 18, 2024
Verified Review
Poor
The customer service is below average and terrible.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Best insurer for military families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| 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. | $104/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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)
Best insurer for low rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $45/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. | $102/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Low rates for both liability and full coverages
Cons
Gap insurance not available
Fewer discounts than some competitors
Higher rates for drivers with poor credit
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
Liability rates start at $41 per month
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Cheapest liability-only car insurance in Spokane: Direct Auto
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 $73. 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Direct Auto | $41 |
| State Farm | $45 |
| USAA | $46 |
| GEICO | $55 |
| Allstate | $59 |
| American Family | $67 |
| Safeco | $68 |
| Nationwide | $70 |
| National General | $71 |
| Chubb | $75 |
| Farmers | $79 |
| The General | $83 |
| Travelers | $92 |
| Foremost | $101 |
| Dairyland | $105 |
| Bristol West | $109 |
| Liberty Mutual | $134 |
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 $123 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Direct Auto | $66 |
| State Farm | $102 |
| USAA | $104 |
| Safeco | $107 |
| GEICO | $126 |
| National General | $126 |
| Allstate | $135 |
| Liberty Mutual | $136 |
| The General | $150 |
| American Family | $154 |
| Nationwide | $158 |
| Chubb | $171 |
| Farmers | $180 |
| Travelers | $210 |
| Dairyland | $236 |
| Bristol West | $249 |
| Foremost | $279 |
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 recent rates near Spokane, Washington
Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $51/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 November 20, 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 November 20, 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 November 20, 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 November 20, 2024. 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.
Towing and labor
Towing and labor coverage helps if your car breaks down or is inoperable because of an accident.
Gap insurance
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 $97 per month for liability coverage and $164 for full-coverage insurance.
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Cheapest car insurance for drivers with a speeding ticket: Direct Auto
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 $109. 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Direct Auto | $41 | $55 |
| State Farm | $45 | $60 |
| USAA | $46 | $62 |
| GEICO | $55 | $74 |
| Allstate | $59 | $79 |
| American Family | $67 | $90 |
| Safeco | $68 | $93 |
| Nationwide | $70 | $95 |
| National General | $71 | $96 |
| Chubb | $75 | $102 |
| Farmers | $79 | $106 |
| The General | $83 | $114 |
| Travelers | $92 | $125 |
| Foremost | $101 | $146 |
| Dairyland | $105 | $141 |
| Bristol West | $109 | $147 |
| Liberty Mutual | $134 | $193 |
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: Direct Auto
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 $112 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Direct Auto | $41 | $59 |
| State Farm | $45 | $63 |
| USAA | $46 | $65 |
| GEICO | $55 | $77 |
| Allstate | $59 | $83 |
| American Family | $67 | $94 |
| Safeco | $68 | $95 |
| Nationwide | $70 | $99 |
| National General | $71 | $100 |
| Chubb | $75 | $106 |
| Farmers | $79 | $111 |
| The General | $83 | $119 |
| Travelers | $92 | $130 |
| Foremost | $101 | $151 |
| Dairyland | $105 | $146 |
| Bristol West | $109 | $153 |
| Liberty Mutual | $134 | $200 |
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: Direct Auto
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 $127 for liability-only coverage and $213 for full coverage. The following table provides liability quotes from insurers in Spokane.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Direct Auto | $41 | $69 |
| State Farm | $45 | $76 |
| USAA | $46 | $78 |
| GEICO | $55 | $93 |
| Allstate | $59 | $100 |
| American Family | $67 | $113 |
| Safeco | $68 | $107 |
| Nationwide | $70 | $118 |
| National General | $71 | $120 |
| Chubb | $75 | $127 |
| Farmers | $79 | $134 |
| The General | $83 | $140 |
| Travelers | $92 | $156 |
| Foremost | $101 | $171 |
| Dairyland | $105 | $178 |
| Bristol West | $109 | $184 |
| Liberty Mutual | $134 | $227 |
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: Direct Auto
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 $52 per month for liability coverage and $87 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Direct Auto | $30 | $48 |
| State Farm | $32 | $73 |
| USAA | $34 | $77 |
| GEICO | $41 | $93 |
| Allstate | $44 | $100 |
| Nationwide | $48 | $109 |
| American Family | $49 | $112 |
| Chubb | $50 | $115 |
| National General | $50 | $89 |
| Safeco | $54 | $85 |
| Farmers | $57 | $130 |
| The General | $62 | $113 |
| Travelers | $67 | $152 |
| Foremost | $75 | $206 |
| Dairyland | $78 | $174 |
| Bristol West | $81 | $185 |
| Liberty Mutual | $104 | $106 |
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: Direct Auto
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 $135 per month for liability car insurance and $227 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Direct Auto | $78 | $126 |
| State Farm | $81 | $183 |
| USAA | $81 | $182 |
| GEICO | $92 | $211 |
| Allstate | $110 | $251 |
| American Family | $121 | $277 |
| Nationwide | $127 | $288 |
| Safeco | $136 | $214 |
| The General | $138 | $249 |
| Farmers | $144 | $328 |
| National General | $145 | $258 |
| Chubb | $149 | $340 |
| Travelers | $173 | $396 |
| Dairyland | $177 | $398 |
| Foremost | $187 | $516 |
| Bristol West | $192 | $438 |
| Liberty Mutual | $240 | $244 |
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
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Is car insurance more expensive in Spokane?
The average rates for car insurance in Spokane are $73 for liability-only coverage and $123 for full coverage. This falls below the monthly state averages of $76 for liability-only coverage and $153 for full coverage. Rates in Washington are also below the national average of $104 for liability coverage and $204 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 $73 per month for liability insurance and $123 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 | $126 | $268 |
| Kennewick | $62 | $115 |
| Seattle | $99 | $212 |
| Tacoma | $96 | $181 |
| Vancouver | $73 | $143 |
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 $73 for liability-only coverage and $123 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?
Direct Auto offers the cheapest liability insurance in Spokane, at $41 per month. State Farm and USAA also have affordable liability coverage, with rates of $45 and $46 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 9.3 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 $52 per month for liability coverage and $119 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 $76 for liability-only coverage and $153 for full coverage. This is below the national average of $104 for liability-only coverage and $204 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
- 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.
Related articles
More cities in Washington
Sources
- United States Census Bureau. "QuickFacts Spokane County, Washington."
- Washington State Office of the Insurance Commissioner. "Facts about the credit scoring ban rule."
- Office of the Insurance Commissioner Washington State. "Washington state's mandatory auto/motorcycle insurance law."
- IIHS. "Older Drivers."
- IIHS. "Teenagers."
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