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Best Cheap Auto Insurance in Spokane, WA (2021)

Things to Remember

  • The average annual auto insurance rate for Spokane, WA is $2,904
  • The cheapest auto insurance company in Spokane, WA is Nationwide, and the second cheapest is USAA
  • Spokane, WA rates are affected by the traffic that is shared with Spokane Valley
  • The average commute time for Spokane is 21 min

Spokane, WA average annual auto insurance rates are very close to the state average. They are about the same as Spokane Valley rates.

You can save on Spokane, Washington auto insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on cheap auto insurance in Spokane, Washington for every age, credit history, and driving record.

Ready to find affordable auto insurance rates in Spokane, WA? Enter your ZIP code above to get started.

Table of Contents

What is the cheapest auto insurance company in Spokane, WA?

The cheapest auto insurance company in Spokane, based on average rates, is Nationwide.

The top auto insurance companies in Spokane, WA, ranked from cheapest to most expensive are:

  • Nationwide — $1,786
  • USAA — $1,548
  • State Farm — $2,060
  • GEICO — $2,215
  • Farmers — $2,698
  • Progressive — $1,732
  • Allstate — $2,134
  • American Family — $2,603
  • Liberty Mutual — $1,944

There are a lot of factors that determine your auto insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

What auto insurance coverage is required in Spokane, WA?

All Spokane drivers have to meet the Washinton state law minimum requirements to buy auto insurance.

In Washington, you have to carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $10,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

What affects auto insurance rates in Spokane, WA?

Spokane is the 2nd largest city in Washington. Let’s take a look at how Spokane auto insurance rates compare to other cities in Washington. The average cost of auto insurance in Washington state is $2,903.

  • Boulevard Park, WA— $3,994 (most expensive)
  • Spokane, WA — $2,904
  • Spokane Valley, WA— $2,783
  • Port Townsend, WA— $2,462 (cheapest)

INRIX ranks Spokane as the 113th most congested city in the U.S. Spokane is west of Spokane Valley, so traffic heading to a larger city can affect auto insurance rates.

City-Data reports an average commute time for Spokane is 21 minutes.

Car theft in Spokane also affects rates. The FBI’s most recent annual statistics report 1,737 car thefts in a city population of 217,066. That’s a rate of 800 cars stolen per 100,000 population.

Spokane, WA Auto Insurance: The Bottom Line

Spokane has about the same rates as the state average when compared to other cities of its size in Washington, but you can still save by shopping around and comparing.

Before you buy auto insurance in Spokane, WA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Spokane, WA auto insurance quotes.


  1. https://inrix.com/scorecard-city/?city=Spokane%2C%20WA&index=669https://inrix.com/scorecard-city/?city=Phoenix%2C%20WA&index=260
  2. http://www.city-data.com/city/Spokane-Washington.html
  3. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/washington.xls


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