Cheapest Auto Insurance in Spokane, Washington (2025)

The average cost of car insurance in Spokane is $90 per month for liability coverage, which is lower than the Washington state average of $92 and the national average of $104 per month.

Spokane County has a population of around 551,500 people but a low population density of 305 people per square mile.1 Residents driving in areas with low population density often face lower risks of property damage and car accidents.

Here’s what you need to know about finding cheap car insurance in Spokane, including how to compare quotes and coverage options.

3 of the cheapest car insurance companies in Spokane

The best car insurer for you will depend on many factors, including your age, gender, vehicle type, driving record, coverage limits, deductible, marital status, and more.

For instance, if you only need liability coverage, State Farm is the most affordable option. But if you have a DUI on your record or you’re looking to insure a teen driver, you may find another insurer, like Allstate, to have better rates. Getting the most affordable auto quotes by evaluating different companies can help you find the right coverage for your situation at the lowest rates.

Here, you can learn more about three of the area’s top insurers: GEICO, USAA, and State Farm. The quotes below reflect statewide average rates in Washington.

Best insurer for discounts: GEICO

Best insurer for military families: USAA

Best insurer for low rates: State Farm

How to get the cheapest car insurance in Spokane

Getting car insurance can be expensive, so it’s important to find ways to lower your rates. Thankfully, you have several effective ways to get cheap car insurance in Spokane, including:

• Add multiple cars or family members to your policy.

• Bundle your insurance products, such as auto insurance with renters insurance, life insurance, and a homeowners insurance policy.

• Maintain a clean driving record.

• Review your deductibles and coverage limits with insurance professionals.

• Install safety and anti-theft devices on your car.

• Comparison shop and get quotes from multiple insurers.

Cheapest liability-only car insurance in Spokane: State Farm

If you have a liability-only policy, it’s important to remember that it’ll only cover physical damage and injuries suffered by the other parties involved in an accident you caused. It won’t provide coverage for any expenses related to repairing your own vehicle or any medical bills that you may have incurred due to the accident.

Not surprisingly, liability-only coverage is usually the most affordable. The average monthly cost in Spokane is $90. But you should carefully review whether this coverage meets your needs before purchasing it. 

If you have a new vehicle or a vehicle you can’t afford to replace if you total it, liability-only coverage may not provide enough coverage for you. And if you only carry the minimum required amount, your liability insurance may not cover all the damages you’re responsible for in an at-fault accident. In that scenario, you could be on the hook to pay the difference out of your own pocket.

Here’s a list of liability-only rates in Spokane from the top insurers.

Cheapest full-coverage car insurance in Spokane: State Farm

If you’re leasing or financing your car, your lender may require full coverage. While liability-only insurance will cover the other driver, their passengers, and their vehicle, full-coverage insurance can protect you, your passengers, and your own car. Full-coverage car insurance includes collision and comprehensive coverage.

In Spokane, a full-coverage policy costs $151 per month, on average. Here’s a collection of full-coverage quotes from different insurance companies in Spokane.

Car insurance requirements in Washington

In order to drive legally in Washington, you must have coverage that meets the following minimum requirements:3

Because liability coverage doesn’t cover your vehicle or medical costs, you should consider the following optional coverages:

Cheapest car insurance for drivers with an incident

If you have an incident on your record — like a speeding ticket, at-fault-accident, or DUI — your insurance company might increase your rates. The severity of the rate increase can depend on the incident, and in the sections that follow, you’ll see how different incidents can affect your rates.

On average, Spokane drivers with a past incident pay $106 per month for liability coverage and $179 for full-coverage insurance.

Cheapest car insurance for drivers with a speeding ticket: State Farm

Not every insurer will increase your rates after a speeding ticket. But if you receive two or more speeding tickets in a three-year period, your insurer will likely raise your monthly insurance price. 

Speed is a common factor in car accidents, so insurers view you as a higher risk if you’ve been cited for speeding. In Spokane, a speeding ticket on your record increases average monthly liability insurance costs to $114. Here‘s a look at average liability insurance costs for Spokane drivers with a past speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: State Farm

If you live in Spokane and cause a car accident, your insurance rates will typically increase. But some insurance companies have accident-forgiveness programs that can prevent rate hikes for certain types of accidents or after a specific amount of time with no accidents.

The average cost of liability car insurance in Spokane following an at-fault accident is $120 per month. Here are liability quotes from other top insurers in Spokane for drivers with a past at-fault accident.

Cheapest car insurance for drivers with a DUI: State Farm

Insurers see a DUI as the most serious of incidents, and if you have one on your record, your insurance rates will surely increase. In some cases, your insurance company may cancel your coverage altogether, or another company may deny you new coverage.

Spokane drivers with a DUI conviction pay average monthly rates of $111 for liability-only coverage and $186 for full coverage. The following table provides liability quotes from insurers in Spokane.

Cheapest car insurance for seniors: State Farm

While people generally enjoy lower car insurance rates in middle age and their early senior years, those rates typically increase for drivers 70 and older. This is because statistics show that older drivers are more likely to be involved in accidents compared to middle-aged adults.

Additionally, if a senior driver has an accident, the injuries sustained are often more severe, leading to higher medical bills and increased costs for the insurance company.4

Senior drivers in Spokane pay $77 per month for liability coverage and $130 for full-coverage car insurance, on average. Here are the average monthly quotes for senior drivers in Spokane.

Cheapest car insurance for teens: USAA

Teenage drivers experience crashes almost four times more frequently per mile driven when compared to more experienced drivers. Many factors account for this, including reckless driving, distraction by social media while driving, and limited experience in handling road hazards such as icy winter roads or heavy rain and hail during storms. Alcohol consumption also plays a major role in many accidents involving teenagers.5

Spokane teens pay an average of $190 per month for liability car insurance and $319 for full coverage.

If you’re a young driver, you have ways to lower your car insurance costs and find affordable coverage through discounts. One way is to stay on your parents’ insurance policy and drive a car that’s considered safe. If you’re leaving for college, consider leaving your car at home. Another way to qualify for discounts and have affordable auto insurance rates is by earning good grades. Some insurance companies also offer discounts for safe driving habits and having a clean driving record.

Compare quotes for teen drivers in Spokane below.

Spokane car insurance quotes by credit tier

Most states, including Washington, allow insurance companies to consider your credit-based insurance score when setting your car insurance rates. This is because insurers have found that people with lower credit history are more likely to make insurance claims. As a result, drivers with excellent or good credit history typically pay significantly less than drivers with poor credit history.

Here, you can see how your credit tier affects your rates in Spokane.

Is car insurance more expensive in Spokane?

The average rates for car insurance in Spokane are $90 for liability-only coverage and $151 for full coverage. This falls below the monthly state averages of $92 for liability-only coverage and $169 for full coverage. Rates in Washington are also below the national average of $104 for liability coverage and $184 for full coverage.

Spokane County has a low population density of 305 people per square mile, which may partially explain why drivers benefit from lower rates.

More cities in Washington

Car insurance in Spokane isn’t just cheaper than the state and national averages — it’s lower than many other large cities in Washington, too. As you can see in the table below, Spokane’s average rates of $90 per month for liability insurance and $151 for full coverage falls below that of other large Washington cities.

Compare quotes for different Washington cities below.