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open/ WA/ spokane

Cheapest car insurance in Spokane, Washington

Washington requires minimum liability coverage of 25/50/10. Rates below are monthly estimates for the 25-55 driver, Full coverage, Fair credit bracket.

Filed per-carrier data
Methodology → All of Washington →

Pulled directly from carrier rate filings for this city.

With 228,989 residents, Spokane sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. Insurers are moderately spread out in Spokane, about 21% between the cheapest and priciest filed rate, so shopping around still moves the number. On average, drivers here pay about 17% more than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 GEICOFiled rate, credit/record adjusted $209.66
02 FarmersFiled rate, credit/record adjusted $233.33
03 ProgressiveFiled rate, credit/record adjusted $243.66
04 TravelersFiled rate, credit/record adjusted $245.11
05 AllstateFiled rate, credit/record adjusted $257.51
06 State FarmFiled rate, credit/record adjusted $263.29
07 NationwideFiled rate, credit/record adjusted $265.46
Rate explainer
Why is your best rate $209.66 and not $209.31?

Spokane is priced against 7 insurers for the 25-55 driver, Full coverage, Fair credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full $-11.39
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Fair (modeled) +$47.50
Driving record, Clean (modeled) +$0.00
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About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.