Cheapest car insurance carriers in Spokane
Estimated annual full-coverage premiums for a standard driver profile, ranked cheapest first — the Spokane average runs about $2,425/yr (median of the top carriers below: $2,044/yr). Enter your ZIP for a ranking tuned to your exact area, vehicle, and coverage.
| # | Carrier | Est. annual | vs median |
|---|---|---|---|
| 1 | USAA | $1,399/yr | Save $645 |
| 2 | Kemper | $1,896/yr | Save $148 |
| 3 | Root Insurance | $1,968/yr | Save $76 |
| 4 | State Farm | $1,984/yr | Save $60 |
| 5 | GEICO | $2,013/yr | Save $31 |
| 6 | Travelers | $2,074/yr | +$30 |
| 7 | Progressive | $2,233/yr | +$189 |
| 8 | The Hartford | $2,353/yr | +$309 |
| 9 | National General | $2,358/yr | +$314 |
| 10 | Safeco | $2,475/yr | +$431 |
Not sure how much coverage you need? Use the free Coverage Calculator →
Directional estimates from public rate filings and NAIC complaint indices — not a quote. Your actual rate depends on your ZIP, vehicle, age, and credit.
Part of our Washington auto insurance report — statewide rates & carrier rankings.
- Spokane averages ~$2,420/year for full coverage — +0% vs. the national average
- GEICO and PEMCO are consistently among the cheapest carriers in this market
- Rate spreads are wide — cheapest carrier can be 40–60% below the most expensive for the same profile
- Washington requires 25/50/10 liability — minimums leave significant gaps for most drivers
- Rates are rising in 2026 — shopping at renewal is the single highest-ROI move most drivers can make
Spokane drivers pay roughly $2,420/year for full coverage — near the national average. Carriers compete actively in this market, and rate spreads are still wide enough that shopping at renewal makes a real difference.
Within Washington, the Spokane metro runs differently from rural parts of the state. Urban density increases accident probability, and theft and vandalism rates are higher in most metro cores. Carriers price these risks into their Spokane rates regardless of an individual driver’s record.
How Spokane compares to other Washington metros
Among the 2 Washington metros we track, Spokane is the 2nd-cheapest for full coverage — about 5% above the statewide average of $2,312/yr. Washington metro rates run from Seattle ($2,423/yr) to Spokane ($2,425/yr), so where you live inside the state moves your premium meaningfully.
| # | Washington metro | Avg. full coverage |
|---|---|---|
| 1 | Seattle | $2,423/yr |
| 2 | Spokane you are here | $2,425/yr |
These are directional metro averages from the BoringRate model — your own rate depends on your ZIP, vehicle, and profile. See full Washington rankings →
How to find the cheapest carrier in Spokane
The single most important thing a Spokane driver can do is compare rates at every renewal. Carriers update their pricing models frequently, and the cheapest option last year may not be cheapest today. The spread between the highest and lowest rate for the same driver profile is typically 40–60% in this market — that’s hundreds of dollars per year on the table.
Washington coverage rule: Washington requires 25/50/10 liability. These are legal minimums — full coverage (comprehensive + collision) provides substantially better protection for most Spokane drivers.
Frequently asked questions
What is the cheapest car insurance company in Spokane?
For Spokane drivers with clean records, GEICO and PEMCO are frequently the most competitive. American Family is also worth comparing. Enter your ZIP above to see current rankings for your specific location — rates vary across Washington.
What are the minimum auto insurance requirements in Washington?
Washington requires 25/50/10 liability. These are legal minimums — full coverage (comprehensive + collision) is worth the additional premium for most Spokane drivers.