120+ more*Quotes generated for Insurify users in and around Spokane, Washington within the last 10 days. Last updated on May 28, 2026. 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 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Spokane drivers pay an average of $81 per month for Washington minimum coverage and $148 per month for full coverage, according to Insurify data.
That’s cheaper than the average insurance cost in Washington, which is $138 per month, and well below Tacoma’s average monthly rate of $161.
Tacoma drivers spend about 20 minutes each day commuting, compared to the statewide average of 27 minutes. Less time on the road usually means fewer chances for an accident.
State Farm is the cheapest insurance company in Spokane for liability-only coverage. Rates average $46 per month, compared with Spokane’s average liability rate of $81 per month.
Washington’s minimum auto insurance requirements are $25,000 per person and $50,000 per accident for bodily injury, and $10,000 for property damage.[1]
Below are the cheapest rates for liability-only car insurance in Spokane.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $46 |
| USAA | $47 |
| Allstate | $61 |
| American Family | $69 |
| Direct Auto | $69 |
| The General | $70 |
| Nationwide | $72 |
| National General | $73 |
| Progressive | $74 |
| GEICO | $76 |
| Chubb | $78 |
| Farmers | $81 |
| Safeco | $84 |
| Travelers | $94 |
| Dairyland | $96 |
| Bristol West | $98 |
| Liberty Mutual | $145 |
Liability rates start at $46 per month
At $93 per month, State Farm has some of the lowest rates for a full-coverage car insurance policy in Spokane. Full coverage adds collision and comprehensive insurance.
Icy roads during Spokane winters increase the risk of sliding into another car or a guardrail. Collision coverage pays to repair your vehicle after a crash, which liability alone won’t cover. While choosing higher deductibles can lower your full-coverage rate, you’ll pay more out of pocket if you file a claim.
See the companies with the lowest full-coverage car insurance quotes in Spokane.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $93 |
| USAA | $95 |
| Allstate | $123 |
| GEICO | $124 |
| Safeco | $124 |
| Direct Auto | $128 |
| National General | $133 |
| American Family | $140 |
| Nationwide | $144 |
| Progressive | $149 |
| The General | $152 |
| Chubb | $156 |
| Farmers | $163 |
| Travelers | $191 |
| Liberty Mutual | $202 |
| Bristol West | $219 |
| Dairyland | $231 |
Kennewick has some of the lowest rates in Washington, averaging $110 per month. Tacoma drivers pay some of the state’s highest rates, at $161 per month. Spokane sits on the cheaper end, with rates averaging $115 per month.
Lower vehicle theft rates contribute to Spokane’s cheaper insurance costs. Stolen-car reports in Spokane County dropped 30% from 2024 to 2025. But severe winter weather offsets some of those savings.
Spokane averages 48 inches of snow each winter — far more than Seattle, Kennewick, or the rest of western Washington. Slick roads can lead to more crashes, which can push rates higher.
See how Spokane’s average monthly rates stack up against other Washington cities below.
*Quotes generated for Insurify users in and around Spokane, Washington within the last 10 days. Last updated on May 28, 2026. 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 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Washington is an at-fault state, meaning your insurance company pays for damage you cause in a crash. A ticket, accident, or driving under the influence (DUI) conviction on your record signals a higher risk to insurers, and it influences what Spokane drivers pay.
See which insurers have the cheapest liability rates in Spokane by driving record:
Cheapest car insurance for Spokane drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Spokane: State Farm
Cheapest car insurance for Spokane drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Spokane: State Farm
About 5.8% of Spokane drivers have a speeding ticket, 5.1% have an at-fault accident, and 0.7% have a DUI, according to Insurify data. Driving without insurance in Washington can result in a fine of $550 or more.[2]
Any incident on your record can lead to higher rates at renewal, and a DUI conviction can require an SR-22 filing.
Check out the table below to see average monthly quotes for different driving records in Spokane.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $115 |
| Speeding ticket | $152 |
| At-fault accident | $159 |
| DUI | $157 |
Interstate 90 is Spokane’s main east-west route, carrying more than 274 million miles of travel through the region in 2024. On the north side, the North Spokane Corridor project will link U.S. Route 2, U.S. 395, and I-90 into one north-south freeway.
The final I-90 connection began in 2025. Since work will take about five years, plan for detours around north-end construction.
Spokane drivers share the road with more out-of-town drivers during peak months. Summer brings extra traffic from visitors heading to Riverfront Park and other downtown attractions.
In contrast, winter weather brings visitors to Spokane for skiing. Crews plow Spokane’s entire road system during snowstorms. But drivers heading into higher elevations should have tire chains or a similar traction aid, since studded tires are legal only between Nov. 1 and March 31.
Allow extra following distance, and consider full-coverage car insurance to protect your vehicle — especially during the winter months.
Spokane’s worst traffic sits on I-90 between Division Street and Argonne Road. Severe westbound backups in the morning have more than doubled, according to Washington State Department of Transportation data. Evening eastbound traffic through the same stretch is even worse.
Spokane uses automated cameras at busy intersections, like Division and Sprague, to catch red-light runners. The city has also installed speed cameras in school zones.
Red-light camera tickets won’t affect your insurance rates, according to the Spokane Police Department.
Washington’s graduated license rules keep new 16- and 17-year-old drivers off the road between 1 a.m. and 5 a.m. for the first year and limit non-family teen passengers during the first six months.
Teen drivers in Spokane pay monthly averages of $173 for liability policies and $317 for full-coverage policies.
See the table below for insurers with the cheapest rates for teen drivers in Spokane.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $95 |
| State Farm | $97 |
| Allstate | $131 |
| The General | $137 |
| American Family | $142 |
| Direct Auto | $145 |
| GEICO | $150 |
| Nationwide | $152 |
| National General | $158 |
| Progressive | $158 |
| Chubb | $173 |
| Farmers | $175 |
| Dairyland | $183 |
| Safeco | $184 |
| Bristol West | $190 |
| Travelers | $211 |
| Liberty Mutual | $278 |
Insurify partners with 120+ top insurers for real-time quotes
Spokane drivers aged 55 and older can earn a car insurance discount by completing an eight-hour accident prevention course through the Washington State Department of Licensing.[3]
For senior drivers looking to stack that discount with a low base rate, State Farm offers the cheapest rates for seniors in Spokane.
The following table highlights the lowest liability-only auto insurance rates for senior drivers in Spokane.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $37 |
| USAA | $39 |
| Allstate | $50 |
| Nationwide | $56 |
| American Family | $56 |
| Direct Auto | $57 |
| National General | $58 |
| Chubb | $60 |
| The General | $61 |
| GEICO | $61 |
| Farmers | $65 |
| Progressive | $66 |
| Safeco | $74 |
| Travelers | $76 |
| Dairyland | $83 |
| Bristol West | $83 |
| Liberty Mutual | $122 |
For more information about the best car insurance in Spokane, see the answers to commonly asked questions below.
State Farm has the cheapest liability-only quotes in Washington state, averaging $55 per month. Comparing quotes from several car insurance companies will help you find the right coverage for your needs. Keep in mind that prices vary based on your ZIP code, driving history, and vehicle.
Spokane’s average cost of car insurance is $115 per month. Liability coverage averages $81 per month, while full coverage costs about $148 per month, according to Insurify data.
State Farm is Washington’s largest auto insurer, with about 15% of the market. Progressive, Allstate, First National, and GEICO round out the top five, according to the state Office of the Insurance Commissioner.
Washington drivers must have liability insurance with minimum limits of $25,000 per person and $50,000 per accident for bodily injury, and $10,000 for property damage. Uninsured motorist and underinsured motorist coverage are optional.
Full coverage makes sense for many Spokane drivers. Collision coverage pays to repair your car after a crash on an icy road, while comprehensive coverage pays for damage caused by hailstorms, falling tree branches, or animal strikes, as well as vandalism and theft.
Your driving record, age, gender, marital status, vehicle, credit history, ZIP code, and coverage limits all affect your rates. Spokane’s ticket and at-fault accident rates also influence the city’s overall rates.[4]
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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