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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Car insurance costs an average of $120 per month in Spokane. The city’s lower population density and number of vehicle thefts compared to other metropolitan areas, like Seattle and Tacoma, may be why its rates are lower than average.[1]
But many insurance companies offer rates well below the citywide average, with State Farm, USAA, and Direct Auto offering the lowest rates. The cheapest average liability rate among them is $48 per month, according to Compare.com data.
This article covers the cheapest insurers in Spokane for various driver types, how to pick the right company for your needs, and practical tips on saving money on your car insurance.
State Farm offers the cheapest car insurance in Spokane, at $48 per month.
Spokane drivers pay a monthly average of $89 for liability coverage and $151 for full coverage.
Washington requires all drivers to have at least 25/50/10 in liability insurance.[2]
Even though Spokane’s premiums are already lower than average, some insurance companies offer policies for well below the citywide average. It’s all about knowing where to look. You can start by comparing rates of the cheapest insurers for Spokane residents.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $48 |
| USAA | $49 |
| Direct Auto | $58 |
| Allstate | $64 |
| American Family | $72 |
| Nationwide | $75 |
| Progressive | $75 |
| Chubb | $80 |
| National General | $82 |
| Farmers | $85 |
| The General | $89 |
| Safeco | $90 |
| Travelers | $98 |
| GEICO | $101 |
| Bristol West | $115 |
| Dairyland | $115 |
| Liberty Mutual | $200 |
State Farm leads the pack with the lowest auto insurance rates in Spokane, at just $48 per month.
The following sections break down the cheapest companies by driver profile and coverage type to help you find the best fit for your situation.
While the companies above provide a solid starting point, your rates can vary dramatically based on personal factors such as your age, driving record, credit history, and where you live in Spokane. That’s why it’s crucial to compare rates from insurers that work well for drivers with profiles similar to yours.
The table below highlights the cheapest insurer for different coverage levels and drivers in Spokane, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $48 |
| Full coverage | State Farm | $104 |
| Teens | USAA | $97 |
| Seniors | State Farm | $37 |
| Drivers with a speeding ticket | State Farm | $59 |
| Drivers with an at-fault accident | State Farm | $61 |
| Drivers with a DUI | State Farm | $64 |
| Drivers with excellent credit | State Farm | $41 |
| Drivers with poor credit | USAA | $56 |
We’ll go into more detail for each driver type in the subsections below to help you find the right match.
Policies in Spokane start as low as $48 per month.
Spokane drivers pay an average of $89 per month for minimum coverage. Still, most insurance experts recommend purchasing more than the state requires because Washington’s minimum limits may not cover all damages in a serious accident.[3]
Liability insurance covers only the damage and injuries you cause to other drivers and their passengers. But if your circumstances require only the bare minimum, the chart below highlights the five cheapest companies in Spokane, according to Compare.com data.
Most drivers should consider full coverage because it protects your vehicle and provides better financial protection after accidents. Full coverage typically includes comprehensive and collision insurance in addition to the state’s liability requirements.
Lenders and leasing companies require full coverage if you finance or lease your vehicle.[4] Spokane drivers pay an average of $151 per month for full coverage, but several insurers offer it for close to the average liability price in the city.
The chart below shows the five cheapest insurers in Spokane for full coverage, according to Compare.com data.
Teen drivers face some of the highest insurance rates of any age group because they lack driving experience and statistically cause more accidents than older drivers.[5] Nationwide, the average teen pays nearly double what someone 20 or older pays for similar coverage.
Auto insurance for Spokane teens costs around $260 per month, according to our data. But you can still find excellent deals if you’re a teen driver or have one on your policy.
Check out the five insurers offering the lowest rates for teens in Spokane, according to Compare.com data.
Decades of driving experience and cautious, less frequent driving work in your favor if you’re a senior driver in Spokane.[6]Seniors typically enjoy the lowest insurance rates of any age group. In fact, they pay an average of $100 per month for car insurance, according to our data.
Even though your rates are typically lower, you can likely get an even better deal from some companies. The chart below lists the cheapest insurers in Spokane for seniors, according to Compare.com data.
Careful — speeding down I-90 near Liberty Lake can result in a speeding fine and higher insurance premiums when your policy renews.[7] Insurers view tickets as indicators of risky driving behavior and charge you accordingly. Our research shows that even a single speeding ticket causes average rates to jump by 37% nationwide.
Drivers with recent tickets in Spokane pay a monthly average of $152, according to our data. Fortunately, several insurers offer affordable coverage if you have a speeding violation.
Here are the cheapest insurers in Spokane if you have a recent ticket on your record, according to our data.
Causing an accident on a busy intersection like Greene Street and Mission Avenue can substantially increase your insurance rates. At-fault accidents signal unsafe driving habits and a likelihood that you’ll file further claims. Our research shows that a single at-fault accident increases average rates by 41% nationwide.
Car insurance rates average $156 per month after an accident in Spokane. Shopping around and comparing rates may get you a better deal.
Start with the five insurers highlighted in the chart below to lock in a cheaper rate.
A DUI conviction is one of the most serious offenses and will cause the sharpest increase in car insurance rates. Our research shows average rates increase by 61% nationwide after a DUI.
Getting a DUI can make it difficult to find auto insurance, as some insurers won’t cover high-risk drivers.[8] But there’s still hope — some insurance companies specialize in covering drivers with DUIs and other serious violations.
Drivers with DUI convictions in Spokane pay an average of $145 per month, but it doesn’t mean your rates will remain sky-high forever.
The chart shows the five cheapest insurers in Spokane for drivers with DUIs, according to our data.
Some insurance companies check your credit history when calculating rates. Companies use a credit-based insurance score to determine your likelihood of missing payments or filing claims.[9] Our data shows that drivers with poor credit pay 20% more for coverage than drivers with excellent credit.
The monthly premium for Spokane drivers with poor credit is $132, according to our data. Not all companies weigh credit as a factor, though, and some offer extremely affordable rates regardless of your credit history.
If you have less-than-perfect credit in Spokane, get a quote from the insurers in the chart below.
Compare personalized quotes from Spokane’s top insurers.
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Washington requires all drivers to have car insurance, like nearly every other state. Here are the specific coverage requirements you must meet to be roadworthy:
$25,000 for bodily injury liability coverage per person
$50,000 for bodily injury liability coverage per accident
$10,000 for property damage liability coverage
Washington’s uninsured motorist rate is moderately high. To protect yourself from drivers without insurance or people without enough coverage, you may want to consider uninsured motorist coverage for greater financial protection.
Legally, you only need to purchase the limits mentioned above. But most industry experts strongly suggest buying coverage above the state’s minimum limits. Like many states, Washington’s minimum requirements won’t cover you and your assets if you cause a serious accident that results in your own injury or car damage.
Just consider that if you cause an accident that seriously injures someone, their medical bills alone could easily exceed $25,000, leaving you personally responsible for any amount above your coverage limit. And remember — lenders require comprehensive and collision coverage if you finance or lease your vehicle.
Here are answers to some of the most common questions about car insurance in Spokane.
Car insurance in Spokane averages $120 per month, according to our research. That breaks down to $89 per month for liability coverage and $151 for full coverage.
No. Car insurance in Spokane falls below the national average. Spokane drivers pay an average of $120 per month compared to the national average of $149. Affordability depends on where you live in Spokane and other factors, such as your driving record.
State Farm offers the cheapest car insurance in Spokane, with an average liability-only rate of $48 per month, according to our data. Keep in mind that your rate may be higher or lower depending on your unique driver profile.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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