Best cheap car insurance in Spokane

In 2015, there were 3661 traffic accidents at Spokane, Washington. This is the most recent available year. Car insurance is essential to protect yourself and others while driving. In the city, the average car insurance premium is $464 annually for a minimum coverage policy, and $1149 for a full coverage policy.

There are many car insurance companies that serve the Spokane region. It can be difficult to find the right one for you. We did extensive research to determine the top Spokane car insurance companies based on factors such as average rates, coverage options, and discounts.

Spokane’s best car insurance company

We compared the providers and determined that Geico, PEMCO Progressive, USAA are the top car insurance companies in Spokane. These four companies stand out because they offer low rates, great coverage and outstanding financial strength ratings. Below is a table that shows the average annual premiums of the top Spokane companies and their J.D. Power customer satisfaction rating:


Geico has some of the lowest car insurance rates in Spokane. The average premium for minimum coverage is $370 and full coverage is $929. Geico offers generous discounts to Spokane residents. These include savings for military personnel, federal employees and safe drivers.


PEMCO, a Seattle-based insurer, offers affordable rates and great discounts. They also offer comprehensive coverage. You can create a policy using endorsements such as rental car reimbursement, key replacement coverage, camper/canopy coverage, and custom parts and equipment coverage. PEMCO offers many discounts to Spokane drivers. These include savings for driving less that 8,000 miles, owning a house, being loyal customers, working at a college or school, and being an University of Washington alum.


Although Progressive is the most expensive car insurer we reviewed, the rates are still well below the average rates in Spokane. Progressive’s discounts are a highlight. They offer savings for good drivers, students, and homeowners, as well as saving you money on your car insurance. We also like the Name your Price Tool as well as the Rate Comparison Tool which can help you to find a reasonable premium.


USAA is the name of insurance for military personnel. To be eligible for USAA car insurance, you must be a military veteran or active duty. Spokane residents who are eligible for USAA insurance may be interested in the company’s excellent customer service, low rates, and great discounts. The company claims that drivers can save on average $707 per annum by switching from another provider . USAA offers a number of discounts, as well as endorsements like roadside assistance and accident forgiveness.

Spokane has the lowest car insurance

Spokane drivers pay much less for car insurance than average Americans. The average cost for car insurance in the United States is $1,674 per full coverage policy. This is $525 lower than the average premium for full coverage in Spokane. Each Spokane car insurance company charges a different coverage rate. Below is a table listing the lowest priced car insurance companies in Spokane.

You should be aware that not all affordable car insurance companies can offer you the same level of coverage. USAA, for example, offers the best rates, but you have to be a member of the military to get coverage. Geico policies are more suitable for civilians, as they don’t have eligibility requirements.

Travelers, State Farm, and Progressive are the most affordable carriers in terms of coverage options. USAA and Geico offer fewer endorsements that many other providers in Spokane. Although all five providers offer great discounts, the available discounts are not always standard. Geico, for example, is the only provider to offer a discount for members of the employer group, while Travelers offers a discount for hybrid owners.

Spokane insurance requirements

Spokane residents must have car insurance if they own a vehicle registered in Washington State. 25/50/10 is the minimum coverage requirement. This includes the following liability coverage.

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

The cheapest policy available is the minimum coverage policy. To get the lowest rate, drivers shouldn’t focus on the smallest coverage. For more protection, insurance companies recommend that drivers increase their liability coverage limits. You are responsible for any losses that exceed your policy’s limits if you cause an accident.

Spokane drivers are also required to have a full coverage policy. Lenders will require you to have full coverage insurance until you repay your loan.

Spokane car insurance discount

You can get a cheaper rate if you take advantage of discounts if you’re looking for affordable car insurance in Washington. You can save more on your insurance by getting more discounts. These are some of the most popular discounts in Spokane

  • Full discount if you pay your annual premium in full: Drivers who pay in full and upfront can often save money on their car insurance rates.
  • Discount on defensive driving courses: Many insurance companies offer discounts for those who take approved defensive driving courses.
  • Student discounts: Students who have a minimum GPA in high school or college often qualify for car insurance savings.
  • Multi-policy discount: You may be able to get a lower premium if you have both your auto and home insurance policies with one company.

Questions frequently asked

Which is the best auto insurance company?

Every driver will have a different opinion on the best auto insurance company. USAA may be the best option for some drivers. Geico, however, is better for others. The lowest cost for the coverage and type of car insurance you require is the best.

What is the cost of car insurance in Spokane?

The average premium for car insurance in Spokane is $464 annually for a minimum coverage policy, and $1,149 per year for full coverage policies. These are not the average rates. Each Washington car insurer has a different rate. You might pay more or less depending on your personal factors, such as your credit score, age, and claims history.