How Much Does Auto Insurance Cost in Spokane, WA?
- State minimum liability on average in Spokane, WA costs $42 a month or $510 a year. Full coverage auto policies costs around $148 a month or $1,775 a year in Spokane.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Spokane – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Who are the Cheapest Car Insurance Companies in Spokane, WA?
- In Spokane the cheapest car insurance companies on average are PEMCO Insurance, State Farm and Progressive. State minimum liability car insurance starts at $29 a month or $353 a year with PEMCO Insurance. The cheapest full coverage car insurance starts at $133 a month or $1,599 a year.
Here are the average policy rates from the cheapest local and national insurance providers in Spokane from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum Liability: | SM Monthly: | Full Coverage: | FC Monthly: |
|---|---|---|---|---|
| PEMCO Ins. | $353 | $29 | $1,599 | $133 |
| State Farm | $496 | $41 | $1,734 | $144 |
| Progressive | $640 | $53 | $2,160 | $180 |
| Allstate | $728 | $61 | $2,177 | $181 |
Finding a Cheap Auto Insurance Policy in Spokane, WA
When it comes to auto insurance policy rates in Spokane, Washington, drivers should be diligent in searching for the best and most affordable coverage options. One of the most effective ways to find cheap car insurance is by getting multiple free quotes from various companies and comparing them all in one place. With InsuranceQuotes’ easy-to-use quote form and real-time cost comparison tools, drivers can easily see which local or national insurance company offers the cheapest rates that meet their needs. By taking advantage of this resourceful tool, individuals can ensure they are getting the best deal on their auto insurance while still receiving quality coverage.
How Much Car Insurance Do I Need in Washington?
In Washington, drivers are required to carry minimum levels of car insurance coverage to legally operate a vehicle on public roads. The mandatory coverage in Washington includes:
- Bodily Injury Liability Coverage: This coverage pays for injuries or death that you cause to another person in an at-fault accident. Washington requires minimum bodily injury liability coverage of:
- $25,000 per person injured in any one accident
- $50,000 for multiple persons injured in any one accident
- Property Damage Liability Coverage: This coverage pays for damage to another person’s property caused by you in an at-fault accident. Washington requires minimum property damage liability coverage of:
- $10,000 for injury to or destruction of property of others in any one accident
This coverage is often abbreviated as 25/50/10. It means that your insurance policy must provide at least $25,000 in coverage for injuries to a single person, $50,000 in coverage for injuries to multiple people in a single accident, and $10,000 in coverage for property damage caused by the accident.
These are the minimum coverage requirements mandated by Washington law. However, drivers may opt to purchase additional coverage types, such as collision coverage, comprehensive coverage, medical payments coverage, and more, to enhance their protection.
While the above coverages are required by law, Washington also offers additional optional coverage types for drivers to consider, including:
- Liability Coverage: This coverage is required by law in Washington and helps pay for injuries or property damage you cause to others in an at-fault accident.
- Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.
- Personal Injury Protection (PIP): Also known as “no-fault” insurance, PIP coverage helps pay for medical expenses and other related costs for you and your passengers, regardless of who is at fault in the accident.
- Collision Coverage: This coverage helps pay for damages to your vehicle caused by a collision with another vehicle or object, regardless of fault.
- Comprehensive Coverage: This coverage helps pay for damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, fire, or natural disasters.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if injured in an accident, regardless of fault.
- Rental Reimbursement Coverage: This coverage helps pay for the cost of renting a car while your vehicle is being repaired after a covered accident.
- Towing and Labor Coverage: This coverage reimburses you for towing and labor costs if your vehicle breaks down or becomes disabled.
Spokane car insurance averages approximately $88 per month for full coverage in 2026, based on InsuranceQuotes.com’s analysis of market rate data. Comparing quotes from multiple carriers using your exact ZIP code and driver profile is the most reliable way to find your lowest rate.
Car insurance in Spokane, Washington averages approximately $88 per month for full coverage in 2026 — making Spokane the most affordable major city in Washington for car insurance. Spokane sits in eastern Washington, far from the King County traffic density that drives up Seattle-area rates. PEMCO Insurance offers the cheapest full coverage in Washington statewide at $99 per month; for eastern Washington, local and regional carriers sometimes offer even more competitive rates. Spokane Valley, directly east of Spokane proper, is consistently among the cheapest ZIP codes in the entire state at approximately $88 per month.
Spokane in eastern Washington typically costs $30 to $50 per month less for car insurance than Seattle in King County, despite both being major Washington cities. The difference reflects Spokane’s much lower traffic density, lower accident frequency on the Spokane-area highway network compared to I-5 and I-405 in western Washington, lower vehicle theft rates, and Spokane’s generally more rural traffic environment. Spokane does not have the same volume of commuter congestion, urban density, or interstate freight truck traffic that drives up King County insurance costs. For Washington drivers who have the flexibility to choose where they live, Spokane’s significantly lower insurance rates are one of several financial advantages of eastern Washington living.
PEMCO Insurance offers the cheapest full coverage in Washington at $99 per month statewide, but Spokane’s lower risk profile means some national carriers also price competitively here. State Farm and GEICO both offer below-average rates in Spokane and are good comparison points alongside PEMCO. Auto-Owners Insurance is available through Spokane-area independent agents and can be competitive for eastern Washington drivers. Washington’s credit scoring ban means your Spokane address and driving history determine your rate more than your financial profile.
Yes — Washington State’s restriction on using credit scores as a primary auto insurance rating factor applies statewide, including Spokane and all of eastern Washington. For Spokane drivers who may have had credit challenges, this is particularly meaningful: insurers price your risk based primarily on your driving record, vehicle, and Spokane ZIP code rather than your credit history. Senate Bill 5589, introduced in 2025, is studying further potential restrictions on credit-based insurance scoring in Washington. Spokane drivers who previously paid high rates in Idaho or other credit-scoring states after relocating should compare Washington quotes immediately.
Washington State requires all Spokane drivers to carry minimum liability coverage of 25/50/10 — $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 in property damage liability. Washington is a tort state. Washington requires insurers to offer uninsured motorist coverage, though drivers can waive it in writing. An estimated 21 percent of Washington drivers are uninsured, so keeping UM/UIM is recommended. Spokane County’s proximity to Idaho means some Spokane-area drivers commute across the state line — but your insurance coverage follows you into Idaho, priced at your Washington garaging address.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
