Skip to Main Content

Best cheap car insurance in Spokane for 2022

Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . This content is powered by (NPN: 8781838). For more information, please see our

There were 3,661 traffic accidents in Spokane, Washington in 2015, the most recent year for which data is available. To protect yourself and others on the road, having car insurance is important. The average car insurance premium in the city is $464 per year for a minimum coverage policy and $1,149 for a full coverage policy.

Dozens of car insurance companies serve drivers in the Spokane area, so finding the right provider for your needs can be challenging. To streamline the insurance shopping process, we did some research to find the best car insurance companies in Spokane based on criteria like average rates, coverage options and discounts.

Best car insurance companies in Spokane

Based on our provider comparisons, we determined that the best car insurance companies in Spokane are Geico, PEMCO, Progressive and USAA. These four providers stand out for offering cheap rates, reliable coverage, great discounts and impressive financial strength ratings. The table below highlights the average annual premiums from the top companies in Spokane and their J.D. Power customer satisfaction rating:

Insurance company J.D. Power customer satisfaction score Average annual premium for minimum coverage Average annual premium for full coverage
Geico 834 / 1,000 $370 $929
PEMCO 827 / 1,000 $288 $878
Progressive 821 / 1,000 $386 $936
USAA 883 / 1,000 $285 $807


Geico offers some of the cheapest car insurance rates in Spokane, with an average annual premium of $370 per year for minimum coverage and $929 for full coverage. Spokane drivers may get an even lower rate by taking advantage of Geico’s generous discounts, like savings for military members, federal employees, safe drivers, good students and for having a vehicle equipped with certain safety features or taking a defensive driving course.


PEMCO is a Seattle-based insurance company that offers low rates, great discounts and comprehensive coverage. You can customize a policy with endorsements like rental car reimbursement coverage, key replacement coverage, custom parts and equipment coverage and camper/canopy coverage. PEMCO also offers a long list of discounts for Spokane drivers, including savings for driving less than 8,000 per mile, owning a home, being a loyal customer, working at a school or college and being a University of Washington alumni.


Progressive is technically the most expensive car insurance company we reviewed, but the rates are well below average compared to the typical rates in Spokane. Progressive stands out for its discounts, with savings for good students, good drivers, teen drivers, having continuous insurance, being a homeowner and signing up for the Snapshot safe driver reward program. Additionally, we like that Progressive has helpful online tools, like the Name Your Price Tool and rate comparison tool, which can help you find an affordable premium.


USAA is known as the insurance company for military personnel. You must be an active duty or retired military service member to qualify for USAA car insurance. However, Spokane drivers who can get insurance through USAA may be intrigued by the company’s highly-rated customer service, low rates and good discounts. In fact, the company claims that drivers save an average of $707 per year when they switch from another provider. USAA also has an impressive list of discounts and a few endorsements, like accident forgiveness and roadside assistance.

Cheapest car insurance in Spokane

Drivers in Spokane pay significantly less for car insurance than the average American driver. In the United States, the average cost of car insurance is $1,674 for a full coverage policy, which is $525 less than the average full coverage premium in Spokane. However, every car insurance company in Spokane charges a different rate for coverage. The table below includes the cheapest car insurance companies in Spokane:

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $285 $807
Geico $370 $929
State Farm $384 $940
Progressive $386 $936
Travelers $462 $934

If you are looking for affordable car insurance in Spokane, you should know that not all cheap car insurance companies are created equal. For example, USAA offers the lowest rates overall, but you must be affiliated with the military in order to get coverage. Civilians will be better off with a policy with Geico, which does not have eligibility requirements.

In terms of coverage options, the best cheap carriers are Travelers, State Farm and Progressive. USAA and Geico offer fewer endorsements than many other providers in Spokane. We found that all five providers have great discounts, but the discounts available are not standard. For instance, Geico is the only provider that offers an employer/membership group discount, and Travelers is the only provider that has a discount for hybrid owners.

Spokane insurance requirements

Car insurance is a legal requirement in Spokane if you have a vehicle that is registered in Washington State. The minimum coverage requirement is represented as 25/50/10, which includes the following liability coverage:

  • $25,000 in bodily injury coverage per person
  • $50,000 in bodily injury coverage per accident
  • $10,000 in property damage coverage per accident

A minimum coverage policy is the cheapest option available. However, drivers should not focus on the least amount of coverage to get the lowest rate. Insurance companies recommend that most drivers increase their liability coverage limits for more protection. If you cause an accident and the losses are higher than your policy’s limit, you are responsible for paying the difference.

Additionally, some drivers in Spokane are required to carry a full coverage policy. If you lease or finance your vehicle, most lenders ask you to maintain a full coverage insurance policy until your loan is repaid in full.

Car insurance discounts in Spokane

If you are looking for cheap car insurance in Washington, one of the best ways to get a lower rate is to take advantage of discounts. The more discounts you can qualify for, the more money you can save on insurance. Here are some common discounts available in Spokane:

  • Pay in full discount: Drivers who pay their annual premium upfront and in full can usually save some money on their car insurance rate.
  • Defensive driving course discount: If you take an approved defensive driving course, many insurance companies will offer you a discount.
  • Good student discount: High school and college students who maintain a minimum GPA often qualify for car insurance savings.
  • Multi-policy discount: If you bundle your home and auto insurance policies with the same company, you may get a cheaper premium.

Frequently asked questions

What is the best car insurance company?

The best car insurance company is different for every driver. For some drivers, USAA is the best provider, and for others, Geico is a better option, for example. The best car insurance company for you is generally the one that can offer the lowest price for the type and amount of coverage you need.

How much does car insurance in Spokane cost?

In Spokane, the average car insurance premium is $464 per year for a minimum coverage policy and $1,149 for a full coverage policy. However, these are just average rates. Every Washington car insurance company charges a different rate, and you might pay more or less based on personal factors like your age, credit score and claims history.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, and NextAdvisor, among others