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Best Cheap Car Insurance in Spokane
State Farm has the cheapest full coverage car insurance in Spokane, WA, with an average annual rate of $1,383. USAA offers the cheapest minimum coverage.
Best Overall
Editor's Rating:
4.9/5
4.9/5
Average Cost in Spokane
- Full Coverage Monthly: $115
- Minimum Coverage Monthly: $47
Best for Military/Veterans
Editor's Rating:5/5
5/5
Average Cost in Spokane
- Full Coverage Monthly: $120
- Minimum Coverage Monthly: $41
Best for Online Tools
Editor's Rating:4.9/5
4.9/5
Average Cost in Spokane
- Full Coverage Monthly: $133
- Minimum Coverage Monthly: $63
Last updated: July 28, 2026
Key Takeaways: Cheap Car Insurance in Spokane
State Farm is the cheapest car insurance provider in Spokane for most drivers.
Full coverage averages $2,247 annually in Spokane. Minimum coverage averages $952.
State Farm offers the lowest full coverage in Spokane, with an average annual rate of $1,383.
USAA offers the lowest minimum coverage rates, with an average rate of $488, and is available only to military members, veterans, and their families.
GEICO, Progressive, and PEMCO are also affordable options for other Spokane drivers.
Our Top Picks for the Best Cheap Auto Insurance in Spokane
- Best Overall: State Farm
- Best for Military and Veterans: USAA
- Best for Online Tools: GEICO
- Best for Rideshare/Delivery Drivers: Progressive
- Best Regional Provider: PEMCO
Compare the Best Cheap Auto Insurance in Spokane
| Company | Full Coverage Annual Avg. | Minimum Coverage Annual Avg. | Northwest Customer Satisfaction (J.D. Power) |
|---|---|---|---|
| State Farm | $1,383 | $559 | Above average |
| USAA | $1,445 | $488 | Above average |
| GEICO | $1,592 | $756 | Above average |
| Progressive | $1,622 | $743 | Below average |
| PEMCO | $2,175 | $663 | Below average |
| Spokane | $2,247 | $952 |
Detailed List of the Best Cheap Providers in Spokane
1. State Farm - Best Overall
4.9
Editor's Rating:
- Average Spokane Rate for Minimum Coverage
- $47 mo.
- Average Spokane Rate for Full Coverage
- $115 mo.
Cheapest full coverage Spokane rates- Excellent customer service
- Local Spokane agents
Must complete quotes by phone- No accident forgiveness
Why we chose it
State Farm is a major auto insurance carrier, offering the lowest full coverage rates and the second lowest minimum coverage rates in Spokane. It scores number one out of all eligible providers in the J.D Power customer service satisfaction survey for the Northwest region, meaning its Spokane customers can expect a high standard of service.
State Farm has plenty of local agents available in the Spokane area for drivers who prefer to manage and shop for their auto insurance policies with a human being, either by email, phone, or in-person. It also offers a wide range of auto bundling discounts, including home/renters insurance.
Who it’s best for
Drivers looking for low rates and a high standard of customer service, and people who prefer to buy and manage their policies in person.
State Farm Spokane Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $115 | $47 |
| Annually | $1,383 | $559 |
| Difference from Spokane average | -38% | -41% |
2. USAA - Best for Military and Veterans
5
Editor's Rating:
- Average Spokane Rate for Minimum Coverage
- $41 mo.
- Average Spokane Rate for Full Coverage
- $120 mo.
- Lowest Spokane minimum coverage rates
- Strong customer service scores
- Excellent roadside assistance
- Military eligibility required
- Limited to members
- Fewer branch locations
Why we chose it
USAA is a top-rated auto insurer known for offering excellent customer service and lower-than-average rates across the U.S. While it’s technically ineligible to rank due to its limited availability (USAA is available only for military members and their families), it scores the highest of all reviewed providers in both J.D. Power Auto Insurance Study (Northwest region) and the Claims Satisfaction Study.
USAA’s minimum coverage rates are the lowest in Spokane. It also offers a range of discounts like multi-vehicle and anti-theft, along with military-specific discounts, like saving up to 15% if you garage your car on base.
Who it’s best for
Military members, veterans, and their families looking for low rates and a high standard of customer service.
USAA Spokane Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $120 | $41 |
| Annually | $1,445 | $488 |
| Difference from Spokane average | -36% | -49% |
Head to head:
Learn more about USAA vs. State Farm and which is right for you.
3. GEICO - Best for Online Tools
4.9
Editor's Rating:
- Average Spokane Rate for Minimum Coverage
- $63 mo.
- Average Spokane Rate for Full Coverage
- $133 mo.
- Highly-rated digital tools
- Lower than average Spokane rates
- Affordable rates for drivers with low credit
- Limited agent presence
- Doesn't underwrite home insurance
Why we chose it
GEICO scores third of all 18 reviewed providers in the J.D. Power Digital Experience Study1, indicating that customers who prefer to shop for and manage their policies online can expect a strong digital experience.
It also offers lower-than-average full and minimum coverage rates in Spokane, along with a wide range of discounts. It also fares well in the J.D. Power Customer Service satisfaction survey in the Northwest region, meaning Spokane drivers can expect a high standard of customer service.
GEICO is also a strong choice for Spokane drivers with low credit—it offers the second-cheapest coverage for drivers with less than stellar credit in Washington State (after USAA).
Who it’s best for
Those who prefer to shop for their policies online, and drivers with lower credit ratings.
GEICO Spokane Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $133 | $63 |
| Annually | $1,592 | $756 |
| Difference from Fresno average | -29% | -20% |
4. Progressive - Best for Rideshare/Delivery Drivers
4.7
Editor's Rating:
- Average Spokane Rate for Minimum Coverage
- $62 mo.
- Average Spokane Rate for Full Coverage
- $135 mo.
- Specialized rideshare coverage
- Plenty of discounts
- Accident forgiveness perks
- Mixed reviews for customer service
- Gap insurance won’t necessarily cover full amount owed
Why we chose it
Progressive offers lower-than-average full and minimum coverage rates in Spokane. Its rideshare coverage is one of its more unique offerings, drivers for services like Uber, Lyft, or DoorDash can purchase it as an add-on to their personal auto insurance policy, providing coverage for the period you’re waiting to match with a driver.
Progressive also offers a range of discounts like online purchase, pay in full, and safety features. Spokane drivers can take advantage of Progressive’s telematics discount, Progressive Snapshot, which rewards drivers for habits like fewer miles driven, not using your phone, and smooth braking.
Who it’s best for
Rideshare drivers, safe drivers.
Progressive Spokane Pricing
| Progressive | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $135 | $62 |
| Annually | $1,622 | $743 |
| Difference from Fresno average | -28% | -22% |
5. PEMCO - Best Regional Provider
4.4
Editor's Rating:
- Average Spokane Rate for Minimum Coverage
- $55 mo.
- Average Spokane Rate for Full Coverage
- $181 mo.
- Lower than average Spokane rates
- CRASH Network insurer report card honor roll
- Low-mileage discounts
- Limited to WA/OR
- Smaller scale
- Basic digital tools
Why we chose it
PEMCO is a smaller regional provider available only in Washington and Oregon. Even though it achieved a lower-than-average score from the J.D. Power Northwest auto insurance study, it earned an honor-roll position from the CRASH Network Insurer Report Card, indicating a strong claims process.
It offers the third-cheapest minimum coverage and lower-than-average full coverage rates in Spokane, along with more unique discount offerings including lower premiums for those who drive less than 8,000 miles annually. It also offers local Spokane agents for drivers who prefer to manage their policies in person.
Who it’s best for
Drivers who prefer to manage their policies in person and low-mileage drivers.
PEMCO Spokane Pricing
| PEMCO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $181 | $55 |
| Annually | $2,175 | $663 |
| Difference from Fresno average | -3% | -30% |
Spokane Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Northwest2 | CRASH Network Report Card3 | J.D. Power Claims Satisfaction4 | NAIC Complaint Index5 |
|---|---|---|---|---|
| State Farm | 667 | D+ | 716 | 1.80 |
| USAA | 726 | C- | 741 | 2.98 |
| GEICO | 646 | C- | 697 | 1.14 |
| Progressive | 604 | C- | 673 | 2.64 |
| PEMCO | 634 | B |
| 1.58 |
| Average | 636 | C- | 700 | – |
| What the study measures | Customer satisfaction regionally, based on responses from over 50,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Cheapest Full Coverage Car Insurance in Spokane
State Farm offers the lowest rates in Spokane, with an average annual rate 38 percent lower than the citywide average. USAA and GEICO offer the next cheapest rates after State Farm—36 percent and 29 percent lower than the citywide average, respectively.
| Company | Annual Spokane Average | Monthly Spokane Average |
|---|---|---|
| State Farm | $1,383 | $115 |
| USAA | $1,445 | $120 |
| GEICO | $1,592 | $133 |
| Progressive | $1,622 | $135 |
| Travelers | $1,970 | $164 |
| Allstate | $2,157 | $180 |
| PEMCO | $2,175 | $181 |
| Spokane average | $2,247 | $187 |
| Washington average | $2,433 | $203 |
| U.S. average |
Cheapest Minimum Coverage Car Insurance in Spokane
USAA offers the cheapest minimum coverage in Spokane, with an average rate that’s 48 percent lower than the citywide average. After USAA, State Farm and PEMCO offer the lowest rates. State Farm’s minimum coverage rate is 41 percent lower than the citywide average, and PEMCO’s minimum coverage rate is 30 percent lower.
| Company | Annual Spokane Average | Monthly Spokane Average |
| USAA | $488 | $41 |
| State Farm | $559 | $47 |
| PEMCO | $663 | $55 |
| Progressive | $743 | $62 |
| GEICO | $756 | $63 |
| Travelers | $873 | $73 |
| Allstate | $1,163 | $97 |
| Spokane average | $952 | $79 |
| Washington average | $787 | $66 |
| U.S. average |
Pro Tip:
Looking for the most affordable policy? Discover 5 ways to lower your costs.
How many car accidents happen in Spokane?
According to data from the Washington State Department of Transportation, there were 6,273 car accidents in Spokane County in 2025.6 45 of these crashes resulted in fatalities, and 202 resulted in a suspected serious injury. The total number of crashes was down 6 percent from 2024.
As of July, there have so far been 2,600 car accidents in Spokane in 2026.
Minimum Auto Insurance Requirements in Washington
Every Spokane driver must carry the following minimum coverage auto insurance limits to drive legally in Washington:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $10,000 per accident7
Minimum coverage insurance is rarely enough to cover the cost of an accident, especially in states like Washington where the minimum coverage limits are comparatively low. We recommend opting for higher coverage limits for more peace of mind and financial protection.
Frequently Asked Questions
USAA offers the lowest full and minimum coverage rates in Washington State. Its average full coverage rate is 39 percent lower than the statewide average, and its minimum coverage rate is 49 percent lower than the statewide average.
GEICO, Mutual of Enumclaw, and PEMCO also offer low rates in Washington State.
To lower your car insurance, consider raising your deductible (the amount you’ll pay before your insurance kicks in), bundle your home and auto, drop unnecessary coverages, look around for car insurance discounts, and compare multiple quotes.
On average, GEICO’s U.S. full coverage rate is $1,867. This is 9 percent cheaper than Progressive’s average full coverage rate of $2,060.
Bear in mind that the cost of car insurance can vary significantly based on your vehicle, location, driving record, and coverage.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed full and minimum coverage average premiums in Spokane, Washington, for drivers with a clean driving history and good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000 per accident
- Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): We evaluate the claims handling process for transparency, efficiency, fairness, and prompt resolution. We use sources like J.D. Power’s Claims Satisfaction Report, the CRASH Network Insurer Report Card, and financial strength from sources like AM Best and S&P Ratings. When possible, we include real-life customer experiences.
- Customer Experience (25%): We review every aspect of the customer journey, from getting a quote to purchasing a policy and managing documents. We take into account the quality and availability of online and agent interactions, along with the functionality of mobile apps and other online tools. We use sources like BBB ratings, the NAIC complaint index, app store reviews, and the J.D. Power studies.
- Coverage Options (10%): We favour providers that offer coverage extending beyond the state-required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.
Read more about our ratings and methodology.
Sources
Insurance Websites and Apps Miss Opportunities to Build Customer Engagement, JD Power Finds. JD Power. (2026, May 13).
https://www.jdpower.com/business/press-releases/2026-us-insurance-digital-experience-studyAuto Insurers Struggle to Maintain Seamless Interactions Across Channels, JD Power Finds. JD Power. (2026, Jun 09).
https://www.jdpower.com/business/press-releases/2026-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2026. Crash Network. (2026).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 27).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2026).
https://content.naic.org/cis_refined_results.htmWSDOT Crash Data Portal. WSDOT. (2026).
https://remoteapps.wsdot.wa.gov/highwaysafety/collision/data/portal/public/Mandatory insurance. Washington Department of Licensing. (2026).
https://dol.wa.gov/driver-licenses-and-permits/mandatory-insurance
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